Anti-App routines such as anti-thief.
Wen / Ba Jiu Ling
Have you ever "been opened" to an Internet app service?
After a few months of reinstalling a video/music app, I found out that I was a member.
I accidentally saw the automatic deduction reminder of the credit card, and I vaguely identified the debit party, but I couldn't remember when I opened the automatic renewal.
When shopping, I thought there was another step, but after clicking confirm, I prompted that the transaction was successful, and I didn't know when I handed over the permission to pay without password.
Or receive a push "Your friends XXX, YYY are also watching/buying...", I don't know when to hand over the friendship permissions.
Disturbing?
If you're still at peace, let's move on to the next step – try shutting down these services/permissions.
Can you find out where to close?
In recent years, these things have become the norm for Chinese internet: default check, default recommendation of "the same faction" payment method, do not choose the default item there is a pop-up window "really want to give up XX offers", the pop-up window confirmation key is never in the right position ...
The E-Commerce Law, which came into force in 2019, clearly stipulates:
E-commerce operators tying goods or services shall draw consumers' attention in a conspicuous manner, and must not use tying goods or services as an option for tacit consent.
But what happened next fully showed what is called "the road is one foot high, and the devil is one foot high." Instead of disappearing, various bundled services have become more pervasive and invincible.
At the beginning of 2021, there was actually a "loan" incident. Many netizens shared their experiences, they just bought vegetables on their mobile phones, ordered takeaways, and somehow opened an online loan service. After the complaint, the customer service instead said: "This is the default service for quality customers." ”
There's nothing scarier about the Internet age than you've been chosen by big data.
In addition, just a few days ago, a judgment from the Nanshan District People's Court in Shenzhen told us that WeChat friendships are not personal privacy.
The more terrifying thing about the Internet era is that big data locks you in in all directions.
But at least, the post-70s, post-80s, post-90s, and post-00s are all generations that have grown up with the Internet, with rich experience in struggle and strong ability to identify routines. What about the old people who have just been targeted? In the new round of community group buying war, can they tell which giants burn money to make profits, and which ones they dig pits with their hands?
The Spring Festival is approaching, the giants want to send red envelopes, and the old people can deny the trap when they grab the pie in the sky?
Looking at the other side, Internet companies seem to be very innocent. The product manager is very innocent: the superior has set the KPI, and I can only play some tricks to complete it. Executives are also very innocent: everyone does this, and if you want a face, you can only get a face, and let the opponent get the market.
Just like stimulants, if you don't eat, you can't win, so every player eats, nothing more than eating, try not to attract attention. At the beginning, one person took one dose, and the result was still win or lose, so I had to take two doses per person... If the arms race continues in this way, it will one day cause public anger.
What to do? Shout out to the referee.
When the law bans these stimulants, users are relieved and Internet companies can be relieved.
So, how should regulation follow up? How do Internet practitioners view this issue? We asked some big heads to see what they had to say.
From the perspective of product design, the core indicator behind the App's "careful thinking" is to improve the GMV or order rate of the product.
The platform hopes to guide users to form the user habits they want to appear through product design, to form a user system and a complete route for this product, and ultimately to make this product a complete and independent use scenario. Starting from the commercial value of the platform, we must hope that our own user resources will be the masters of our own, make good use of the user resources of our own products, and maximize the realization of revenue and flow.
For example, Meituan guides users to open Meituan monthly payment, which is definitely hoping that users will reduce the steps from Meituan to WeChat Pay, and create a payment system and complete use path belonging to Meituan.
Of course, this kind of product design is inevitable to trigger user complaints and negative public opinion. In the Internet product industry, there is a word called "grayscale release", that is, between black and white, a way of publishing that can smoothly transition, the implementation of A/B testing, so that some users continue to use product feature A, some users begin to use product feature B, if the user has no objection to B, then gradually expand the scope, all users are migrated to B.
Generally speaking, when a product, version, and function are released, 80%-90% of users will give praise or no opinions, and 10%-20% of users will point out problems, complaints, poor experience, etc. This 10%-20% of the user experience may also be because it hits the user's pain point and triggers negative public opinion.
Of course, this proportion value has different indicators in each company, such as products with large-scale users like WeChat, which may control the proportion within 10%, and for example, the products I started my own business are hundreds of thousands of users, and the proportion will be adjusted to 20%-30%. But the ultimate goal is the same, is to hope for the positive and stable development of the product.
From a rational point of view, any product can not be perfect, each product faces a thousand users, after encountering negative public opinion, the product side will implement the corresponding strategy for the product. This is also a word we often mention "iteration", Internet products to constantly update the version, bug fixes, optimization, in the product life cycle is both normal and necessary.
In addition, some people will say that app guides users to bind consumption and other behaviors, infringing on the interests of users, which is illegal. In fact, at present, in terms of virtual data account assets and data privacy, China's laws are still relatively vacant.
For example, before we can use a product or activate a function, we all need to click "Agree to The Agreement", but the text of the agreement for some products is hidden. There is currently no clear definition of the legal aspect, and the user can agree to it after reading the agreement. In order to use the product or open some services quickly, many users will not read it carefully and click on the "consent agreement".
Of course, I believe that relevant laws and regulations will be issued to define it in the later stage, which requires a process.
In addition, I would also like to say that when you are facing some bad or bad experiences of the App, I hope not to easily beat this product to death, and give the product some time to iterate and optimize. From small products to large Internet industries, they are constantly iterating, and it still takes time and patience.
China officially implemented the Cybersecurity Law of the People's Republic of China in 2017, but the law does not restrict all network behaviors, and even leaves many behaviors that should be constrained by law to moral constraints.
For example, the "opened" and "loaned" Meituan monthly payment exposed by netizens may not be able to determine that the Meituan is in violation of the law, but it hurts the foundation of the social integrity system.
In contrast, the General Data Protection Regulation of the European Union in May 2018 provides for the protection of personal data more strictly, for example by considering "consent" as one of the legal bases for processing personal data and defining the consent of the data subject as "a specific, informed and clear instruction freely given by the data subject in accordance with his or her wishes." Such instructions, made by means of a statement or clear affirmation, shall be deemed to indicate that the data subject has given his consent to the processing of personal data concerning him/her".
At the same time, the regulation stipulates that fines for illegal enterprises can reach up to 20 million euros (about 150 million yuan) or 4% of their global turnover, whichever is higher; stipulates that website operators must explain to customers in advance that customer search and shopping records will be automatically recorded, and obtain users' consent, otherwise they will be treated illegally according to "failure to inform and record user behavior"; stipulate that enterprises can no longer use vague and incomprehensible language or lengthy privacy policies to obtain data use licenses from users; and stipulate that users have " right to be forgotten", i.e. the individual user can ask the responsible party to delete the data records about himself.
Compared with the EU's protection of citizens' personal data, the scope of protection of citizens' personal data in China is still too narrow and the protection is still too small.
In the process of using the App, the user's right to speak is very weak, and in the long run, the trend must be getting weaker and weaker.
For most users, the Internet was originally an efficiency and pastime tool, but now the user in turn has become a tool of the Internet.
The reason why the user's autonomy is weak is that on the one hand, the "privacy clauses" set by many apps should essentially be called "hidden regulations" or "mandatory regulations". For users, either you provide private data or don't use products and services. When users use the App, they are actually in the situation of "being induced" and "being voluntarily" and have no power to fight back.
On the other hand, once many companies have mastered user data, it will in turn be easier to understand users and control user decisions, thereby further reducing user autonomy.
With the further advancement of the digital process, the nerve endings used by Internet companies to collect private data have penetrated into all aspects of individual lives. In terms of privacy data integrity, it can be said that there are almost no dead ends.
If the giants connect private data horizontally with each other and tap the characteristics of individuals, they can completely influence or predict individual decisions, etc., so as to understand users better than users. It can be said that there are no more "hermits" in the Internet age.
Today, many Internet companies collect privacy data, in addition to some companies in order to better understand users, service users, there are some do not necessarily understand the value of this data, some even because of ignorance and fascinated. Little consideration is given to data security and the far-reaching implications of privacy breaches. Some companies even collect data through some devices and obtain benefits through data exchange.
Therefore, if the relevant laws and regulations are not improved in a timely manner at the national level, individuals believe that the consequences are quite serious. It is no exaggeration to say that when human beings become privacy-free one day, it is when individual personality, dignity and freedom collapse.
When Brandeis and Warren first discussed privacy in the Harvard Law Review more than 130 years ago, they simply spied on private privacy through cameras, phones, and other tools. Today, when privacy snooping is so convenient and unbridled, it's time to start exploring once again how to protect privacy.
I have a friend around me who consulted, about the problem of the impact of credit reporting caused by the overdue online credit loan, it is necessary to go to the People's Bank of China to reflect the situation and submit relevant materials to prove that consumers are unaware of the act of opening App credit loans, and they also need to wait for the review of the People's Bank of China, and finally may not be able to revoke.
I think that China's so-called Internet finance, Internet giants, they do not have any advantages in competing with banks in the consumer finance scene, if we are in the same competitive environment, break this online monopoly, the bank itself is not as weak as everyone thinks, to say that the only advantage of the Internet App is probably out of regulation, barbaric or even no bottom line.
Now the supervision is also slowly following up, and some penalties have landed, but it takes a certain amount of time, and the whole thing is more complicated.
On January 11, the People's Bank of China announced the Measures for the Administration of Credit Reporting Business (Draft for Solicitation of Comments), which is a major new regulation ushered in by the credit reporting industry. In terms of time, this is inseparable from the current domestic Internet development process, the expansion of credit information demand but the lack of management, and the general trend of world data protection at the macro level.
The person in charge of the central bank said: In the era of digital economy, the rapid development and application of new technologies such as blockchain, cloud computing, and big data have made it easier to collect and process a large amount of data involving credit information, and it is possible to increase the effective supply of credit information. Credit reporting services are gradually expanding from bank credit to commercial credit and credit-related alternative data.
At the same time, due to the lack of clear credit reporting business rules in the new format, there have been problems such as unauthorized collection and inadequate protection measures for the rights and interests of information subjects. To fundamentally solve the problem, it is necessary to "get the original source" from the legal level.
In this regard, Reuters said that it will further promote technology giants such as Ant Group, Tencent Holdings and JD.com Group to share their consumer loan data to prevent excessive lending and fraud. Although it has not received a positive response from the authorities and various groups, combined with the current regulatory attitude towards giants such as Ant and JD.com, especially the loan business and wealth management business, the above content is a high probability event.
Because the large amount of consumer data held by the platform is no longer the private property of each platform in the traditional sense, it may involve national security, personal information security, etc., which belongs to social resources and is also part of social services, so it needs to be shared. Moreover, data security issues can only be solved from the level of national supervision.
Author | Li Mengqing | Wood has a medicine man | When the value is edited | Yang Shuai
Responsible Editor | He Mengfei | Editor-in-Chief | Zheng Yuanmei