ALL YOU CAN PAY: HOW COMPANIES USE OUR DATA TO EMPTY OUR WALLETS
Book ID/图书代码： 12844014B76591
English Summary/英文概要： While millions of consumers carry on unaware, powerful companies are racing to gain more knowledge and data than anyone, including any government, has ever had. The goal is to understand consumer behavior and desires, from mundane matters to our most private and intimate affairs. This massive trove of data represents an immense prize for these companies. In economic terms, it is one of the most valuable assets on the planet.
In All You Can Pay, Anna Bernasek and D.T. Mongan show how companies use what they know about you to determine how much you are willing to pay for certain products and services. Colleges calculate the price you pay based on the information revealed in the application almost all parents submit for federal aid. Hotels, sports events and health products and services are also using this strategy. The price of everything online—from airline tickets to toilet paper—now fluctuates from moment to moment. Through a toxic combination of price discrimination and cutting-edge technology, sellers can instantly change the price they charge an individual based on their calculations of demand and supply at that point in time. Online stores use your zip code to charge you a different price from someone in another zip code.
Bernasek and Mongan offer a dire warning and demonstrate how big data threatens the very icon of the American way: the free market. The ability to understand consumers on a granular level, in real time, and simultaneously to customize the price each person is offered, shifts the balance of power away from the consumer so dramatically that the freedom of markets is at risk. The trend is alarming and, if left unchecked, the destination is clear. Yet consumers and companies can still choose a different path, and in this chilling and illuminating book, Bernasek and Mongan show us how.
Chinese Summary/中文概要： 在一切皆可數據化的時代，從經濟學的角度分析，數據是最有價值的無形資產之一。但是當我們不知不覺透露出我們的慾望與消費行為，各大公司甚至各國政府單位不斷獲取及計算各種數據，透過擷取資料與分析從中找到大量商機，將我們口袋裡的錢都轉到他們的口袋。
過去一般環境還算小康的家庭(中產階級)，已經趕不上現今市場的價格變動。隨著每家公司運用各種數據及統計資料，服務或是產品價格已經不只是只會隨著需求而漲跌。現在不管是入學申請、生病住院或是健保醫療，你曾經填寫的資料都會化為數據被仔細分析。舉凡網路購物，大至機票小至廁紙，只要精算數據，賣家就可以依你的需求立即改變產品價格，消費者只能憑賣家掌握消費行為被任人宰割。
經濟學定義下的自由市場，是在買賣雙方都滿意的價格進行自由交換，但漸漸的巨量資料分析已打破當前市場平衡。在急速發展的數據時代，我們該如何避免自己的口袋被掏空??(Chris)
Awards/获奖情况："A well-written, vivid, and harrowing look at the microcosm of surveillance. A must read for all concerned citizens." --Robert Scheer, author of They Know Everything About You and The Great American Stickup "There have been plenty of warnings about corporations profiting from data and compromising privacy, but this straightforward analysis never succumbs to alarmism while letting the facts speak for themselves. [The authors] build a case that will hit home with the personal finances of any reader who has ever done anything online. [They] understand how to write about specialized topics for a general readership, and they deliver their most frightening news in the most understated, straightforward manner... Hope lies in what the authors call ’Data Environmentalism,’ raising the consciousness about this threat the way Silent Spring sparked the environmental movement. Well informed and useful." --Kirkus Reviews "Anna Bernasek and D.T. Mongan have produced a model of lucidity--and urgency--on a topic that needs to be ’top-of-mind’ for all of us. Everybody--in the true meaning of that word--ought to read this book. Now. " --Tom Peters, international bestselling author of In Search of Excellence "All You Can Pay is a truly devastating critique of today’s information-based, predatory capitalism that everyone must read. Indeed, it’s arguably the Das Kapital of the 21st Century." --Laurence Kotlikoff, economist and bestselling author of The Coming Generational Storm
About the Author/作者介绍： Anna Bernasek writes the Datapoints column for the New York Times and is a writer for Newsweek. She has covered economics and business as a journalist and author for more than twenty years, in outlets such as Fortune, Time, the Sydney Morning Herald, and the Australian Financial Review. Bernasek holds a B.A. in economics from the University of Michigan and a Masters in Public Policy from Princeton.
D.T. Mongan is a lawyer based in New York specializing in finance and corporate transactions. He is the spouse of Anna Bernasek and holds a degree in chemical engineering from the University of Delaware and a law degree from the University of Pennsylvania.
Format:HARDCOVER
Rights Status/版权销售情况：Simplified Chinese/简体中文：SOLD
Complex/Traditional Chinese/繁体中文：AVAILABLE(到期可授)
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