Prepare Yourself

Created by Imgflip.

Money 20/20 is taking place in Las Vegas, Nevada, USA from Sunday, October 22 to Wednesday October 25.

While I am not in Las Vegas, Bredemarket will monitor the goings-on and share relevant news on Facebook (Bredemarket Identity Firm Services group), Instagram (Bredemarket), LinkedIn (Bredemarket Identity Firm Services page), bredemarket.com, and elsewhere.

#biometric

#biometrics

#contentmarketing

#finance

#financialidentity

#fintech

#identity

#money2020

Technology Firms: Drive Content Results

Does your technology firm need written content—blog posts, articles, case studies, white papers?

Why do you need this content, and what is your goal?

How will you create the content? Do you need an extra, experienced hand to help out?

Learn how Bredemarket can create content that drives results for your technology firm.

Click the image below.

#contentmarketing #technology

Inland Empire Firms: Drive Content Results

Does your Inland Empire firm need written content—blog posts, articles, case studies, white papers?

Why do you need this content, and what is your goal?

How will you create the content? Do you need an extra, experienced hand to help out?

Learn how Bredemarket can create content that drives results for your Inland Empire firm.

Click the image below.

#contentmarketing #inlandempire

The Imperfect Way to Enforce New York’s Child Data Protection Act

It’s often good to use emotion in your marketing.

For example, when biometric companies want to justify the use of their technology, they have found that it is very effective to position biometrics as a way to combat sex trafficking.

Similarly, moves to rein in social media are positioned as a way to preserve mental health.

By Marc NL at English Wikipedia – Transferred from en.wikipedia to Commons., Public Domain, https://commons.wikimedia.org/w/index.php?curid=2747237

Now that’s a not-so-pretty picture, but it effectively speaks to emotions.

“If poor vulnerable children are exposed to addictive, uncontrolled social media, YOUR child may end up in a straitjacket!”

In New York state, four government officials have declared that the ONLY way to preserve the mental health of underage social media users is via two bills, one of which is the “New York Child Data Protection Act.”

But there is a challenge to enforce ALL of the bill’s provisions…and only one way to solve it. An imperfect way—age estimation.

This post only briefly addresses the alleged mental health issues of social media before plunging into one of the two proposed bills to solve the problem. It then examines a potentially unenforceable part of the bill and a possible solution.

Does social media make children sick?

Letitia “Tish” James is the 67th Attorney General for the state of New York. From https://ag.ny.gov/about/meet-letitia-james

On October 11, a host of New York State government officials, led by New York State Attorney General Letitia James, jointly issued a release with the title “Attorney General James, Governor Hochul, Senator Gounardes, and Assemblymember Rozic Take Action to Protect Children Online.”

Because they want to protect the poor vulnerable children.

By Paolo Monti – Available in the BEIC digital library and uploaded in partnership with BEIC Foundation.The image comes from the Fondo Paolo Monti, owned by BEIC and located in the Civico Archivio Fotografico of Milan., CC BY-SA 4.0, https://commons.wikimedia.org/w/index.php?curid=48057924

And because the major U.S. social media companies are headquartered in California. But I digress.

So why do they say that children need protection?

Recent research has shown devastating mental health effects associated with children and young adults’ social media use, including increased rates of depression, anxiety, suicidal ideation, and self-harm. The advent of dangerous, viral ‘challenges’ being promoted through social media has further endangered children and young adults.

From https://ag.ny.gov/child-online-safety

Of course one can also argue that social media is harmful to adults, but the New Yorkers aren’t going to go that far.

So they are just going to protect the poor vulnerable children.

CC BY-SA 4.0.

This post isn’t going to deeply analyze one of the two bills the quartet have championed, but I will briefly mention that bill now.

  • The “Stop Addictive Feeds Exploitation (SAFE) for Kids Act” (S7694/A8148) defines “addictive feeds” as those that are arranged by a social media platform’s algorithm to maximize the platform’s use.
  • Those of us who are flat-out elderly vaguely recall that this replaced the former “chronological feed” in which the most recent content appeared first, and you had to scroll down to see that really cool post from two days ago. New York wants the chronological feed to be the default for social media users under 18.
  • The bill also proposes to limit under 18 access to social media without parental consent, especially between midnight and 6:00 am.
  • And those who love Illinois BIPA will be pleased to know that the bill allows parents (and their lawyers) to sue for damages.

Previous efforts to control underage use of social media have faced legal scrutinity, but since Attorney General James has sworn to uphold the U.S. Constitution, presumably she has thought about all this.

Enough about SAFE for Kids. Let’s look at the other bill.

The New York Child Data Protection Act

The second bill, and the one that concerns me, is the “New York Child Data Protection Act” (S7695/A8149). Here is how the quartet describes how this bill will protect the poor vulnerable children.

CC BY-SA 4.0.

With few privacy protections in place for minors online, children are vulnerable to having their location and other personal data tracked and shared with third parties. To protect children’s privacy, the New York Child Data Protection Act will prohibit all online sites from collecting, using, sharing, or selling personal data of anyone under the age of 18 for the purposes of advertising, unless they receive informed consent or unless doing so is strictly necessary for the purpose of the website. For users under 13, this informed consent must come from a parent.

From https://ag.ny.gov/child-online-safety

And again, this bill provides a BIPA-like mechanism for parents or guardians (and their lawyers) to sue for damages.

But let’s dig into the details. With apologies to the New York State Assembly, I’m going to dig into the Senate version of the bill (S7695). Bear in mind that this bill could be amended after I post this, and some of the portions that I cite could change.

The “definitions” section of the bill includes the following:

“MINOR” SHALL MEAN A NATURAL PERSON UNDER THE AGE OF EIGHTEEN.

From https://www.nysenate.gov/legislation/bills/2023/S7695, § 899-EE, 2.

This only applies to natural persons. So the bots are safe, regardless of age.

Speaking of age, the age of 18 isn’t the only age referenced in the bill. Here’s a part of the “privacy protection by default” section:

§ 899-FF. PRIVACY PROTECTION BY DEFAULT.

1. EXCEPT AS PROVIDED FOR IN SUBDIVISION SIX OF THIS SECTION AND SECTION EIGHT HUNDRED NINETY-NINE-JJ OF THIS ARTICLE, AN OPERATOR SHALL NOT PROCESS, OR ALLOW A THIRD PARTY TO PROCESS, THE PERSONAL DATA OF A COVERED USER COLLECTED THROUGH THE USE OF A WEBSITE, ONLINE SERVICE, ONLINE APPLICATION, MOBILE APPLICA- TION, OR CONNECTED DEVICE UNLESS AND TO THE EXTENT:

(A) THE COVERED USER IS TWELVE YEARS OF AGE OR YOUNGER AND PROCESSING IS PERMITTED UNDER 15 U.S.C. § 6502 AND ITS IMPLEMENTING REGULATIONS; OR

(B) THE COVERED USER IS THIRTEEN YEARS OF AGE OR OLDER AND PROCESSING IS STRICTLY NECESSARY FOR AN ACTIVITY SET FORTH IN SUBDIVISION TWO OF THIS SECTION, OR INFORMED CONSENT HAS BEEN OBTAINED AS SET FORTH IN SUBDIVISION THREE OF THIS SECTION.

From https://www.nysenate.gov/legislation/bills/2023/S7695

So a lot of this bill depends upon whether a person is over or under the age of eighteen, or over or under the age of thirteen.

And that’s a problem.

How old are you?

The bill needs to know whether or not a person is 18 years old. And I don’t think the quartet will be satisfied with the way that alcohol websites determine whether someone is 21 years old.

This age verification method is…not that robust.

Attorney General James and the others would presumably prefer that the social media companies verify ages with a government-issued ID such as a state driver’s license, a state identification card, or a national passport. This is how most entities verify ages when they have to satisfy legal requirements.

For some people, even some minors, this is not that much of a problem. Anyone who wants to drive in New York State must have a driver’s license, and you have to be at least 16 years old to get a driver’s license. Admittedly some people in the city never bother to get a driver’s license, but at some point these people will probably get a state ID card.

You don’t need a driver’s license to ride the New York City subway, but if the guitarist wants to open a bank account for his cash it would help him prove his financial identity. By David Shankbone – Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=2639495
  • However, there are going to be some 17 year olds who don’t have a driver’s license, government ID or passport.
  • And some 16 year olds.
  • And once you look at younger people—15 year olds, 14 year olds, 13 year olds, 12 year olds—the chances of them having a government-issued identification document are much less.

What are these people supposed to do? Provide a birth certificate? And how will the social media companies know if the birth certificate is legitimate?

But there’s another way to determine ages—age estimation.

How old are you, part 2

As long-time readers of the Bredemarket blog know, I have struggled with the issue of age verification, especially for people who do not have driver’s licenses or other government identification. Age estimation in the absence of a government ID is still an inexact science, as even Yoti has stated.

Our technology is accurate for 6 to 12 year olds, with a mean absolute error (MAE) of 1.3 years, and of 1.4 years for 13 to 17 year olds. These are the two age ranges regulators focus upon to ensure that under 13s and 18s do not have access to age restricted goods and services.

From https://www.yoti.com/wp-content/uploads/Yoti-Age-Estimation-White-Paper-March-2023.pdf

So if a minor does not have a government ID, and the social media firm has to use age estimation to determine a minor’s age for purposes of the New York Child Data Protection Act, the following two scenarios are possible:

  • An 11 year old may be incorrectly allowed to give informed consent for purposes of the Act.
  • A 14 year old may be incorrectly denied the ability to give informed consent for purposes of the Act.

Is age estimation “good enough for government work”?

When Your Firm’s Differentiation REPELS Your Customers

I constantly preach that firms should not adopt “me too” messaging. Ideally, a firm’s messaging should not copy its competitors, but should instead state why the firm is better than all others, and why all the other firms are worthless in comparison.

But when a firm differentiates itself, there is always a danger that the firm will forget one important thing: how will the customers react to the firm’s differentiated messaging? Will the differentiation turn the customers off?

Trust me, it can happen.

A multinational’s great idea that backfired

Some time ago, I was working for a multinational firm that clearly differentiated itself from all of its competitors. This multinational had been around for some time and was known for its particular tone.

I’m not going to reveal the name of the particular multinational firm, or the tone it radiated.

The IBM illustrative example

But the tone used by that multinational was just as powerful as the tone IBM exuded in the mid-20th century.

In the 1950s and 1960s, “Big Blue” meant a particular style.

The man and his machine: Thomas Watson Jr. strikes a pose to sell the System/360. From https://www.itnews.com.au/gallery/ibm-gets-hammered-inside-big-blues-huge-clearance-auction-531538

IBM acquired an image of an army of men (this was the mid-20th century, after all), all wearing blue suits and white shirts.

Even as late as the 1980s (and beyond), the men of IBM had the look:

The men of IBM didn’t wear facial hair and wore only white shirts….IBM wanted to make sure they did not offend a prospect or a customer. Research had shown them that some people don’t like facial hair…so no facial hair. Research had also shown that people assume a degree of professionalism with a white shirt that may not be assumed if a person wore a blue or yellow shirt. So white shirts it is!

From https://bulanetwork.com/4004-dont-be-offensive-ibms-white-shirt-strategy/
The look persists today. Won Sung-shik, general manager of IBM Korea (IBM Korea). From https://www.koreaherald.com/view.php?ud=20210708000919

Back to my multinational

Let’s leave the theoretical example and return to the situation at my distinctive multinational.

Now the multinational that employed me long ago didn’t have a “blue suit-white shirt” dress code, but in other ways the multinational had a distinctive tone that radiated from the executive level down to the ranks of the worker bees like myself.

  • We all embodied this tone.
  • We spoke in this tone.
  • And our marketing messages also spoke in this tone, regardless of the market segment to which our marketers were speaking.
  • Even if the market segment had a very different tone than the one the multinational was projecting. (Imagine the Military Police selling the Vietnam War in Haight-Ashbury.)
By By S.Sgt. Albert R. Simpson. Department of Defense. Department of the Army. Office of the Deputy Chief of Staff for Operations. U.S. Army Audiovisual Center. – This tag does not indicate the copyright status of the attached work. A normal copyright tag is still required. See Commons:Licensing., Public Domain, https://commons.wikimedia.org/w/index.php?curid=1111279

When my multinational sent its marketing collateral out to prospects who used a very different tone than that used by the multinational, the prospects hated it. The marketing department received multiple complaints from salespeople whose clients were repelled by the material.

By Mindaugas Danys from Vilnius, Lithuania, Lithuania – scream and shout, CC BY 2.0, https://commons.wikimedia.org/w/index.php?curid=44907034

One of my coworkers surveyed the negative campaign reaction with dismay. The coworker had joined the company after the marketing tone was adopted. My coworker asked a simple question: “What type of customer focus group testing was conducted before we used this tone on a marketing campaign?”

“We didn’t conduct any focus group testing,” my coworker was told. “We didn’t need any.”

In retrospect, I guess we did need to test the messaging before we delivered it.

Four ways to balance customer focus and a firm’s distinctive messaging

If you’ve been reading recent Bredemarket blog posts, you’re probably not surprised that this is turning into yet another blog post about customer focus. But how do you balance a firm’s distinctive differentiators with a focus on its customers?

  1. First, you need to ensure that you are truly focusing on the customer, and not what you think the customer is. If a military police officer were to try to put himself in the shoes of a hippie to imagine what the hippie’s life was like, the MP would fail utterly.
  2. Second, you need to ensure that your messaging to the customer is something the customer cares about. It’s fine to adopt your “big blue” tone, but make sure that your messaging resonates with the customer.
  3. Third, your messaging should also explain why you do what you do. Why did IBM create System/360 computers, after all?
  4. Fourth, your messaging needs some smarts. Just because your prospect bought a refrigerator on Monday doesn’t mean that they’ll want a second refrigerator on Tuesday.

If you follow these and similar steps, then it (almost) doesn’t matter if your firm’s generic messaging is antithetical to the values of your prospects. Because your prospects won’t get generic messaging, but messaging that is focused for them.

EBM (Etowah Brunch Market), not IBM. But close enough. From https://www.instagram.com/p/Cs_m-vNOAN3/

Identity/Biometric Firms: Drive Content Results

Does your identity/biometric firm need written content—blog posts, articles, case studies, white papers?

Why do you need this content, and what is your goal?

How will you create the content? Do you need an extra, experienced hand to help out?

Learn how Bredemarket can create content that drives results for your identity/biometric firm.

Click the image below.

#biometric #contentmarketing #identity

One (Just One) of Jessica Morisette’s Six Genius Tips for Increasing Instagram Engagement

Before I launch into the post…

Milestone time

This is the 500th Bredemarket blog post. Woo hoo! But I’m not going to celebrate now, because we have to get down to business.

Back to Instagram engagement

Do you want to increase engagement to solidify commitment?

Photo by Derek Ramsey (Ram-Man) – Self-photographed, CC BY-SA 2.5, https://commons.wikimedia.org/w/index.php?curid=1051815

No, not THAT type of engagement, although there are parallels between engagement with a person and engagement with content.

In the same way that content impressions can move a prospect to awareness, content engagement can move a prospect to consideration. And even if you don’t believe in the traditional funnel, it’s obviously a good idea to get prospects to engage with your content.

Morisette’s six-step strategy

Jessica Morisette of JM Virtual Solutions recently wrote a blog post entitled “Increase Instagram Engagement With This One-Hour Strategy.” Although I’m sure that she wouldn’t object if you spent 59 or 61 minutes (rather than an exact 60 minutes) on daily engagement, and she DEFINITELY wouldn’t mind if you took some of her techniques and applied them to social media platforms other than Instagram.

Personally, I started trying to put her engagement strategy in practice over the weekend, both on Instagram and (with some adaptation) on LinkedIn. Depending upon time, I may try to apply it on your favorite social platform.

Morisette introduces the post with the following:

Building engagement on Instagram involves creating a genuine connection with your audience. It’s not just about getting likes and comments; it’s about creating meaningful interactions that lead to brand loyalty and growth. To achieve this, you need a strategy that focuses on targeted accounts, not just random. 

From https://jmvirtualsolutions.org/blog/f/increase-instagram-engagement-with-this-one-hour-strategy

She then lists six steps to her suggested media engagement strategy. Now I could rip her off and reprint all six here, but then you wouldn’t read her post (which you should do).

So instead I’m going to briefly cover her step 5, engaging with your peers and community.

Skipping to step 5

After devoting time to particular portions of the Instagram platform, Morisette suggests that you start engagement with particular segments. One of those segments is peers and community.

Why?

Supporting others in your niche can encourage them to reciprocate.

From https://jmvirtualsolutions.org/blog/f/increase-instagram-engagement-with-this-one-hour-strategy

I know that content creators are often perceived to be in competition with other content creators, but since each of us is targeting different ideal clients, that competition is less than you think. Since content creators are all in this together, there’s a clear benefit from us supporting each other.

In fact, Morisette believes that this mutual support is so important that she recommends that you engage with your peers and community BEFORE you engage with your ideal client (step 6).

Why does Morisette believe that?

CTA time

Well…you’ll have to read her post for the answer.

For those who are keeping track, that’s the call to action (CTA) for MY post.

Oh, and also follow @jmsocialsolutions on Instagram. And meaningfully engage!

Customer Focus When You Are NOT the Customer

All of us talk about customer focus. Heck, I just spent the past few days talking about it 31 times, starting here.

But when you are talking about customer focus, make sure that you are talking about the customer’s true focus.

Let me explain.

Walking in the customer’s shoes is not a good fit

By Ericavalle – Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=20018109

(See the alternate interpretation at the end of the post.)

Back in 2015, Scott Faucheux wrote a piece on what he called consumer focus. When talking about the voice of the consumer, Faucheux said this:

Many marketers (and most non-marketers), when asked to consider the VOC, will ask themselves, “What would I do if I were in that consumer’s shoes?”

From https://www.linkedin.com/pulse/wwcd-what-would-consumer-do-scott-faucheux/

Sounds reasonable, but Faucheux points out an inherent flaw in this approach.

[T]he perspective considered would be based on how I would respond if I were placed in that situation, which is still anchored in my own personal biography and is therefore subject to my own personal biases.

From https://www.linkedin.com/pulse/wwcd-what-would-consumer-do-scott-faucheux/

But what is the customer saying?

But even if you understand the true voice of the customer, you might go in the wrong direction. Bill McDonald describes what happens when you take VOC as gospel:

The basic concept behind “voice of the customer” calls for you to sell to his or her stated needs. After all, your customers (clients/prospects) know their situation and what they need.  Right?

From https://pleinairestrategies.com/2017/07/3-reasons-to-ignore-voice-of-customer/
By Created by Uwe Kils (iceberg) and User:Wiska Bodo (sky). – (Work by Uwe Kils) http://www.ecoscope.com/iceberg/, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=209674

But this assumes that the customer knows what they need. Often they may not know what they truly need.

To stand out from the crowd, you need a different approach. You need a way to lay the groundwork for change by telling prospects something they don’t already know about their status quo situation.

From https://pleinairestrategies.com/2017/07/3-reasons-to-ignore-voice-of-customer/

I won’t go as far as McDonald and say that VOC should be ignored. Instead, VOC should be augmented by probing questions—and responses—that go beyond “we need a better mousetrap” surface solutions.

By Evan-Amos – Own work, Public Domain, https://commons.wikimedia.org/w/index.php?curid=11489714

Maybe your customer needs a hungry cat.

By DecafPotato – Own work, CC BY-SA 4.0, https://commons.wikimedia.org/w/index.php?curid=125544790

“Walking in My Shoes” (Not Taylor’s version)

As for me, when I hear the phrase “walking in my shoes,” I don’t think about shoes. I think about a song.

From https://www.youtube.com/watch?v=GrC_yuzO-Ss

LLM vs. LMM (Acronyms Are Fun)

Document processing with GPT-4V. The model’s mistake is highlighted in red. From https://huyenchip.com/2023/10/10/multimodal.html?utm_source=tldrai

I just ran across a use of “multimodal” that has nothing to do with fingers, faces, or irises. But it has everything to do with generative AI.

Earlier this week, Chip Huyen published “Multimodality and Large Multimodal Models (LMMs)” at his website huyenchip.com. He starts as follows:

For a long time, each ML (machine learning) model operated in one data mode – text (translation, language modeling), image (object detection, image classification), or audio (speech recognition).

However, natural intelligence is not limited to just a single modality. Humans can read and write text. We can see images and watch videos. We listen to music to relax and watch out for strange noises to detect danger. Being able to work with multimodal data is essential for us or any AI to operate in the real world.

From https://huyenchip.com/2023/10/10/multimodal.html?utm_source=tldrai

As you can see from the title, Huyen uses an acronym “LMM” that is very similar to another generative AI acronym, “LLM” (large language model).

So what’s the difference?

Not all multimodal systems are LMMs. For example, text-to-image models like Midjourney, Stable Diffusion, and Dall-E are multimodal but don’t have a language model component.

From https://huyenchip.com/2023/10/10/multimodal.html?utm_source=tldrai

If you’re interested in delving into the topic, Huyen’s long three-part post covers the context for multimodality, the fundamentals of a multimodal system, and active research areas.

You can find the post at https://huyenchip.com/2023/10/10/multimodal.html?utm_source=tldrai. And I guess you can figure out how I came across it.