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      "text": "How are the expectations of customers, employees, and communities changing in terms of data (especially privacy), transparency and outcomes of analytics, and technology security and resilience? As new technologies seek to personalize the user experience, stakeholders will expect a balance between privacy (a priority that calls for not collecting demographic data) and fairness (a priority that can use demographic data to test for and correct biases). In one study, 97% of people surveyed expressed concern that businesses and the government might misuse their data.",
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      "text": "Where are companies typically most exposed to digital and analytics risk? Improperly-decommissioned legacy systems, breaches to 3rd-party partners, and poorly configured database links, for example, are vulnerabilities that hackers can exploit. The right risk-management approach will require companies to define a mature enterprise-risk framework and conduct formal, holistic risk assessments tailored to their individual systems.",
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      "text": "How do regulators reconcile past standards with rising technologies that have inherent conflicts? Existing data privacy regulations can be at odds with emerging Web3 technologies. For example, the “right to be forgotten” from the General Data Protection Regulation in the EU enforces people’s right to have their data deleted. Storing data on the blockchain, however, creates the potential for an immutable ledger from which past data cannot be “deleted.”",
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      "text": "1Theodore Forbath et al., “Customer data: Designing for transparency and trust,” Harvard Business Review, May 2015.",
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