Regulating Mobile Mental Health Apps

Mobile medical apps (MMAs) are a fast‐growing category of software typically installed on personal smartphones and wearable devices. A subset of MMAs are aimed at helping consumers identify mental states and/or mental illnesses. Although this is a fledgling domain, there are already enough extant mental health MMAs both to suggest a typology and to detail some of the regulatory issues they pose. As to the former, the current generation of apps includes those that facilitate self‐assessment or self‐help, connect patients with online support groups, connect patients with therapists, or predict mental health issues. Regulatory concerns with these apps include their quality, safety, and data protection. Unfortunately, the regulatory frameworks that apply have failed to provide coherent risk‐assessment models. As a result, prudent providers will need to progress with caution when it comes to recommending apps to patients or relying on app‐generated data to guide treatment

The Digitalisation of African Agriculture Report 2018-2019

An inclusive, digitally-enabled agricultural transformation could help achieve meaningful livelihood improvements for Africa’s smallholder farmers and pastoralists. It could drive greater engagement in agriculture from women and youth and create employment opportunities along the value chain. At CTA we staked a claim on this power of digitalisation to more systematically transform agriculture early on. Digitalisation, focusing on not individual ICTs but the application of these technologies to entire value chains, is a theme that cuts across all of our work. In youth entrepreneurship, we are fostering a new breed of young ICT ‘agripreneurs’. In climate-smart agriculture multiple projects provide information that can help towards building resilience for smallholder farmers. And in women empowerment we are supporting digital platforms to drive greater inclusion for women entrepreneurs in agricultural value chains

ENHANCING RURAL PUBLIC TRANSPORT ACCESSIBILITY THROUGH IMPLEMENTING A SMART SCAN-ON M-TICKETING SOLUTION: : A UNITED KINGDOM CASE STUDY APPROACH WITHIN RURAL DEREGULATED ENVIRONMENTS

Scott Copsey, Sue Walsh, Liam Fassam, Richard Southern, ‘Enhancing Rural Public Transport Accessibility Through Implementing a Smart Scan-on M Ticketing Solution: A United Kingdom Case Study Approach Within Rural Deregulated Environments’, paper presented at the European Transport Conference, Barcelona, Spain, 5-7 October, 2016.The aim of this paper is to demonstrate how two UK Local Authorities (Hertfordshire and Northamptonshire), the two Universities of Hertfordshire and Northampton and public transport providers have worked in partnership to develop a smart scan-on m-ticketing solution, that integrates into a wider ‘smart city’ solution delivering social good through connected value propositions. Based on the initial success of a Hertfordshire pilot, a specific objective of this work is to establish smart integrated multi-operator/modal solutions. This pilot is subsequently being collaboratively expanded upon, through the UK Department for Transport funded ‘Network Northamptonshire Total Transport’ initiative, a transformative project to improve connectivity, integration and accessibility for rural transport networks. This forms part of the recently signed ‘Heart of England’ economic tri-county alliance agreement, which aims to work collaboratively across three local authority regions (Buckinghamshire, Oxfordshire and Northamptonshire), consolidating £3bn of spending. This provides a further future platform for innovative transport solutions being rolled out across wider geographical areas. The initial Hertfordshire demonstrator pilot project explored how a ‘smart’ m-ticketing platform could provide a sustainable financial business model for implementing ticketing solutions for small and medium bus operators within rural Shires, outside of large urban settings. This unique project was the first scan-on bus mobile ticket product used in the UK (outside of London). It offers a partnership model and governance structure for local authorities, commercial operators and other stakeholders with an interest in integrated sustainable transport to take forward, and leads to the possibility of new, socially innovative models for procuring and delivering transport solutions. Initial user reactions have been positive, generating large digital data sets, analysis of which indicates rapid user uptake in comparison to other schemes. This data enables detailed analysis such as precise user geo-spatial distribution, supporting targeted marketing and route-specific promotions to encourage further service uptake. A critical success factor of the project was to target a reduction of on-bus cash handling by five per cent within the first 12 months. This would aid in reducing bus loading times, improve reliability and operator efficiencies. After an initial 16 month operational use, uptake growth in excess of 7 per cent of total revenue has been achieved, on specific routes the transfer to m-ticket has exceeded 12 per cent, with targets of 10 per cent of total cash to mobile conversion predicted by the middle of 2017, likely to be realised. The effectiveness of marketing campaigns, technical development aspects and implementation issues will be reported. These projects have a wider context. Public transport services in rural areas in England are deregulated, and have at present no effective statutory backing or ring-fenced funding. As a result, with reductions in funding to local authorities, funding for non-commercial bus services is being sharply reduced and many authorities are proposing to cease all funding for local bus services (Campaign for Better Transport, 2016). These projects may offer alternative cost-effective ways of providing local transport services in non-metropolitan areas, and thus provide the potential for unique future research opportunities. These include understanding the uptake of smart multi-modal solutions in rural areas to improve accessibility and connectivity through enhanced services for new users and for those with restricted or reduced mobility networks, whilst also offering efficiencies for operators. This research has added importance, because the UK Government is proposing legislation on bus services in England, which would confer significant extra powers on local authorities to intervene in the bus market in various ways. These projects may act as pathfinders for the use of these powers in non-metropolitan areas. Structures supporting a partnership approach involving all those with an interest in public transport are a critical part of improving rural connectivity and accessibility. Through the experience of establishing quality partnership models in Hertfordshire, this paper will go on to detail the subsequent work now underway developing a Social Enterprise model involving local government, universities, operators, health and education services in Northamptonshire, which will form the basis of the transformation of rural integrated sustainable transport delivery.Non peer reviewedSubmitted Versio

Cooperation for Innovation in Payment Systems: The Case of Mobile Payments

In this paper, we provide a definition of mobile payments and we analyze the markets that could be targeted by mobile payment service providers, both in developed and in developing countries. Focusing on the case of developed countries, we introduce five cooperation models that have emerged or could emerge between banks, mobile network operators, and payment systems, for the development of this payment method.mobile payments; payment systems; mobile banking; mobile commerce.

APIs and Your Privacy

Application programming interfaces, or APIs, have been the topic of much recent discussion. Newsworthy events, including those involving Facebook’s API and Cambridge Analytica obtaining information about millions of Facebook users, have highlighted the technical capabilities of APIs for prominent websites and mobile applications. At the same time, media coverage of ways that APIs have been misused has sparked concern for potential privacy invasions and other issues of public policy. This paper seeks to educate consumers on how APIs work and how they are used within popular websites and mobile apps to gather, share, and utilize data. APIs are used in mobile games, search engines, social media platforms, news and shopping websites, video and music streaming services, dating apps, and mobile payment systems. If a third-party company, like an app developer or advertiser, would like to gain access to your information through a website you visit or a mobile app or online service you use, what data might they obtain about you through APIs and how? This report analyzes 11 prominent online services to observe general trends and provide you an overview of the role APIs play in collecting and distributing information about consumers. For example, how might your data be gathered and shared when using your Facebook account login to sign up for Venmo or to access the Tinder dating app? How might advertisers use Pandora’s API when you are streaming music? After explaining what APIs are and how they work, this report categorizes and characterizes different kinds of APIs that companies offer to web and app developers. Services may offer content-focused APIs, feature APIs, unofficial APIs, and analytics APIs that developers of other apps and websites may access and use in different ways. Likewise, advertisers can use APIs to target a desired subset of a service’s users and possibly extract user data. This report explains how websites and apps can create user profiles based on your online behavior and generate revenue from advertiser-access to their APIs. The report concludes with observations on how various companies and platforms connecting through APIs may be able to learn information about you and aggregate it with your personal data from other sources when you are browsing the internet or using different apps on your smartphone or tablet. While the paper does not make policy recommendations, it demonstrates the importance of approaching consumer privacy from a broad perspective that includes first parties and third parties, and that considers the integral role of APIs in today’s online ecosystem

Regulating Habit-Forming Technology

Tech developers, like slot machine designers, strive to maximize the user’s “time on device.” They do so by designing habit-forming products— products that draw consciously on the same behavioral design strategies that the casino industry pioneered. The predictable result is that most tech users spend more time on device than they would like, about five hours of phone time a day, while a substantial minority develop life-changing behavioral problems similar to problem gambling. Other countries have begun to regulate habit-forming tech, and American jurisdictions may soon follow suit. Several state legislatures today are considering bills to regulate “loot boxes,” a highly addictive slot-machine- like mechanic that is common in online video games. The Federal Trade Commission has also announced an investigation into the practice. As public concern mounts, it is surprisingly easy to envision consumer regulation extending beyond video games to other types of apps. Just as tobacco regulations might prohibit brightly colored packaging and fruity flavors, a social media regulation might limit the use of red notification badges or “streaks” that reward users for daily use. It is unclear how much of this regulation could survive First Amendment scrutiny; software, unlike other consumer products, is widely understood as a form of protected “expression.” But it is also unclear whether well-drawn laws to combat compulsive technology use would seriously threaten First Amendment values. At a very low cost to the expressive interests of tech companies, these laws may well enhance the quality and efficacy of online speech by mitigating distraction and promoting deliberation

Impacts of WeChat on Millennials’ Perceptions and Consumption Behaviors in the Hotel Industry

Social media, known as interactive Web 2.0 Internet-based applications, has deeply changed and reformed interpersonal communication and business operation with the wide spread of Internet and the development of technology. In the past few years, since mobile apps are becoming more and more popular, the access of social media is not limited to tablet computers only, but is also available for almost all kinds of smart phone devices, such as iPhone, Android, Symbian and so on. The function of social media is not confined to real- time message transmission or information sharing any more. It has expanded to a widely range of features, such as online purchase and payment, e-commerce business, and service for different types of social events. Social media plays an increasingly important role in daily personal life as well as in business activities. People are not merely considered as social media users, but also the component of social media itself. As a result, it is very crucial for people to realize the importance and impacts of social media, especially for those business operators. WeChat (Weixin in Chinses, literally “micro message”) is a cross-platform instant text and voice messaging communication service for multiple mobile devices, developed by Tecent in China, first released in the January of 2011. It is claimed to provide “the new way to connect” and create “a way of life”. It is free to download, install and register, and support all kinds of smart phone platforms with multiple language versions, such as Chinese, English, Japanese, French, and Spanish. WeChat provides its users different ways to communicate and interact with friends innovatively through instant text messaging, hold-to-talk voice messaging, group messaging, lively video sharing, location sharing, money transferring, and contact information sharing. Among all the WeChat users, Millennials is the majority. With the growing-up of Millennials, they are becoming more and more powerful and important to the society and will be the next target segmentation for most of the industries in the very near future. Especially for the hotel industry, the industry that urges to attract Millennials patrons for further substantial development, how to attract Millennials is becoming a critical issue for those hotel operators

The future of the USO - Economic rationale for universal services and implications for a future-oriented USO

Universal service obligations (USO) in the postal sector currently enjoy considerable attention among politicians, practitioners and academics. The primary areas of interest have been the viability, costing and funding of the USO in a completely liberalized market. However, the purpose and the scope of the USO itself have so far not been questioned fundamentally. In this paper we first analyze the possible rationale for USO from an economic point of view. Then, we discuss the impact of converging postal and telecommunications markets on potential alternative means to provide USO in a more efficient way.Universal service, USO, covergence, postal sector

Facilitators and barriers to the implementation of a Mobile Health Wallet for pregnancy-related health care: A qualitative study of stakeholders’ perceptions in Madagascar

Financial barriers are a major obstacle to accessing maternal health care services in low-resource settings. In Madagascar, less than half of live births are attended by skilled health staff. Although mobile money-based savings and payment systems are often used to pay for a variety of services, including health care, data on the implications of a dedicated mobile money wallet restricted to health-related spending during pregnancy–a mobile health wallet (MHW)–are not well understood. In cooperation with the Madagascan Ministry of Health, this study aims to elicit the perceptions, experiences, and recommendations of key stakeholders in relation to a MHW amid a pilot study in 31 state-funded health care facilities. We conducted a two-stage qualitative study using semi-structured in-depth interviews with stakeholders (N = 21) representing the following groups: community representatives, health care providers, health officials and representatives from phone provider companies. Interviews were conducted in Atsimondrano and Renivohitra districts, between November and December of 2017. Data was coded thematically using inductive and deductive approaches, and found to align with a social ecological model. Key facilitators for successful implementation of the MHW, include (i) close collaboration with existing communal structures and (ii) creation of an incentive scheme to reward pregnant women to save. Key barriers to the application of the MHW in the study zone include (i) disruption of informal benefits for health care providers related to the current cash-based payment system, (ii) low mobile phone ownership, (iii) illiteracy among the target population, and (iv) failure of the MHW to overcome essential access barriers towards institutional health care services such as fear of unpredictable expenses. The MHW was perceived as a potential solution to reduce disparities in access to maternal health care. To ensure success of the MHW, direct demand-side and provider-side financial incentives merit consideration