Patient, client, user, consumer? Issues involved with approaching vulnerability with consumer-focused terminology

This presentation aims to build upon the central themes emerging from our ESRC seminar series on Consumer Vulnerability (2013-2014). These seminars provided a space to critically engage with the notion of consumer vulnerability in two key ways. First, they brought together international speakers from the fields of marketing, consumer research, sociology, social policy, law and medicine to ensure developments in thinking and best practice were shared across academic networks and across traditional disciplinary boundaries. Second, policy and practitioner organisations played a key role in our series, thereby adding a more practical element to discussions. An overarching concern emerging from the seminar series was the nature of the language we use when discussing those experiencing vulnerability, and how this language impacts on the relationship s between individuals and the services they used (both private and non - commercial). In particular, this presentation will consider the issues involved when approaching vulnerability with consumer - focused terminology

Understanding and protecting vulnerable financial consumers

This article considers how consumer protection law and policy should address the interests of particularly vulnerable financial consumers. Specifically, the article proposes a taxonomy of vulnerability which helps to identify (a) what makes consumers particularly vulnerable, and (b) how consumer protection law and consumer policy (broadly understood) can respond to these causes in a way that provides such consumers with appropriate protection. Changes to economic conditions, legal requirements on traders and our understanding of consumer behaviour make discussion of these issues particularly topical. There is little doubt that finding solutions is extremely difficult. Trade-offs are necessary and some enduring factors that contribute to vulnerability, in particular poverty, sometimes appear intractable. Nevertheless, it is submitted that by identifying clearly both why consumers are vulnerable and how the factors that lead to such vulnerability can be addressed, it is possible to construct an environment which respects consumer choice while ensuring that the most vulnerable are protected appropriately

The Mismatch Between Life Insurance Holdings and Financial Vulnerabilities: Evidence from the Survey of Consumer Finances

Using the 1995 Survey of Consumer Finances and an elaborate life-cycle model, we quantify the potential financial impact of each individual's death on his or her survivors, and we measure the degree to which life insurance moderates these consequences. Life insurance is essentially uncorrelated with financial vulnerability at every stage of the life cycle. As a result, the impact of insurance among at-risk households is modest, and substantial uninsured vulnerabilities are widespread, particularly among younger couples. Roughly two-thirds of poverty among surviving women and more than one-third of poverty among surviving men results from a failure to insure survivors against an undiminished living standard. We also identify a systematic gender bias: for any given level of financial vulnerability, couples provide significantly more protection for wives than for husbands.

Consumers' Perception of Food-System Vulnerability to an Agroterrorist Attack

This paper uses results from a 2004 survey (N=1,010) on consumer attitudes toward agroterrorism and food-system security to investigate heterogeneous attributes affecting vulnerability including risk perceptions and fear. Using 15 separate multinomial PROBIT regressions we distinguish between vulnerability on a number of aspects of food-system security including food type and position in the food-supply chain. Vulnerability is not found to be common across food groups or respondents, and a variety of distinguishing characteristics can be used to investigate how individuals might perceive vulnerability.Agribusiness, Food Consumption/Nutrition/Food Safety,

European Digital Libraries: Web Security Vulnerabilities

Purpose – The purpose of this paper is to investigate the web vulnerability challenges at European library web sites and how these issues can affect the data protection of their patrons. Design/methodology/approach – A web vulnerability testing tool was used to analyze 80 European library sites in four countries to determine how many security vulnerabilities each had and what were the most common types of problems. Findings – Analysis results from surveying the libraries show the majority have serious security flaws in their web applications. The research shows that despite country-specific laws mandating secure sites, system librarians have not implemented appropriate measures to secure their online information systems. Research limitations/implications – Further research on library vulnerability throughout the world can be taken to educate librarians in other countries of the serious nature of protecting their systems. Practical implications – The findings serve to remind librarians of the complexity in providing a secure online environment for their patrons and that a disregard or lack of awareness of securing systems could lead to serious vulnerabilities of the patrons' personal data and systems. Lack of consumer trust may result in a decreased use of online commerce and have serious repercussions for the municipal libraries. Several concrete examples of methods to improve security are provided. Originality/value – The paper serves as a current paper on data security issues at Western European municipal library web sites. It serves as a useful summary regarding technical and managerial measures librarians can take to mitigate inadequacies in their security implementation

GMO, CONSUMPTION AND CONSUMER VULNERABILITY IN BRAZILIAN CONSUMER LAW: THE RIGHT TO BE DULY INFORMED

N° ISBN - 978-2-7380-1284-5International audienceThe Brazilian consumer protection system is governed by the principle of vulnerability and adopts, among other mechanisms of equalization, the figure of “less sufficiency”. Often confused, these concepts are distinct and deserve detailed analysis. They are, today, even more relevant if we take into account advances in biotechnology. In this respect an important step is to ensure the right information to consumer, exposed to consumer relations involving genetically modified organisms

Are Consumers Disadvantaged or Vulnerable? An Examination of Consumer Complaints to the Better Business Bureau

Questions have emerged recently about the appropriateness of defining disadvantaged consumers based on their membership in certain demographic categories, such as income, age, education, and race. This study assessed whether these traditional classifications are useful for understanding consumer complaining behavior with the Better Business Bureau. Results of analysis of more than 24,000 consumer complaints filed with a local BBB office during a 13-year period do not provide consistent support for this disadvantaged consumer perspective. Instead, the emerging vulnerable consumer perspective may provide a more promising basis for future research

Some Properties of the Speciation Model for Food-Web Structure - Mechanisms for Degree Distributions and Intervality

We present a mathematical analysis of the speciation model for food-web structure, which had in previous work been shown to yield a good description of empirical data of food-web topology. The degree distributions of the network are derived. Properties of the speciation model are compared to those of other models that successfully describe empirical data. It is argued that the speciation model unifies the underlying ideas of previous theories. In particular, it offers a mechanistic explanation for the success of the niche model of Williams and Martinez and the frequent observation of intervality in empirical food webs.Comment: 23 pages, 6 figures, minor rewrite

Coping with Extreme Events: Institutional Flocking

Recent measurements in the North Atlantic confirm that the thermohaline circulation driving the Gulf Stream has come to a stand. Oceanographic monitoring over the last 50 years already showed that the circulation was weakening. Under the influence of the large inflow of melting water in Northern Atlantic waters during last summer, it has now virtually stopped. Consequently, the KNMI and the RIVM estimate the average . In this essay we will explore how such a new risk profile affects the distribution of risks among societal groups, and the way in which governing institutions need to adapt in order to be prepared for situations of rapid but unknown change. The next section will first introduce an analytical perspective, building upon the Risk Society thesis and a proposed model of ‘institutional flocking’.temperature to decrease by 3°C in the next 15 years