Tags: credit



Tuesday, November 28th, 2017


Nosedive is the first episode of season three of Black Mirror.

It’s fairly light-hearted by the standards of Black Mirror, but all the more chilling for that. It depicts a dysutopia where people rate one another for points that unlock preferential treatment. It’s like a twisted version of the whuffie from Cory Doctorow’s Down And Out In The Magic Kingdom. Cory himself points out that reputation economies are a terrible idea.

Nosedive has become a handy shortcut for pointing to the dangers of social media (in the same way that Minority Report was a handy shortcut for gestural interfaces and Her is a handy shortcut for voice interfaces).

“Social media is bad, m’kay?” is an understandable but, I think, fairly shallow reading of Nosedive. The problem isn’t with the apps, it’s with the system. A world in which we desperately need to keep our score up if we want to have any hope of advancing? That’s a nightmare scenario.

The thing is …that system exists today. Credit scores are literally a means of applying a numeric value to human beings.

Nosedive depicts a world where your score determines which seats you get in a restaurant, or which model of car you can rent. Meanwhile, in our world, your score determines whether or not you can get a mortgage.

Nosedive depicts a world in which you know your own score. Meanwhile, in our world, good luck with that:

It is very difficult for a consumer to know in advance whether they have a high enough credit score to be accepted for credit with a given lender. This situation is due to the complexity and structure of credit scoring, which differs from one lender to another.

Lenders need not reveal their credit score head, nor need they reveal the minimum credit score required for the applicant to be accepted. Owing only to this lack of information to the consumer, it is impossible for him or her to know in advance if they will pass a lender’s credit scoring requirements.

Black Mirror has a good track record of exposing what’s unsavoury about our current time and place. On the surface, Nosedive seems to be an exposé on the dangers of going to far with the presentation of self in everyday life. Scratch a little deeper though, and it reveals an even more uncomfortable truth: that we’re living in a world driven by systems even worse than what’s depicted in this dystopia.

How about this for a nightmare scenario:

Two years ago Douglas Rushkoff had an unpleasant encounter outside his Brooklyn home. Taking out the rubbish on Christmas Eve, he was mugged — held at knife-point by an assailant who took his money, his phone and his bank cards. Shaken, he went back indoors and sent an email to his local residents’ group to warn them about what had happened.

“I got two emails back within the hour,” he says. “Not from people asking if I was OK, but complaining that I’d posted the exact spot where the mugging had taken place — because it might adversely affect their property values.”

Monday, July 3rd, 2017

Social Cooling

If you feel you are being watched, you change your behavior. Big Data is supercharging this effect.

Some interesting ideas, but the tone is so alarming as to render the message meaningless.

As our weaknesses are mapped, we are becoming too transparent. This is breeding a society where self-censorship and risk-aversion are the new normal.

I stopped reading at the point where the danger was compared to climate change.

Wednesday, March 22nd, 2017

Improve Your Billing Form’s UX In One Day – Smashing Magazine

A few straightforward steps for improving the usability of credit card forms. The later steps involve JavaScript but the first step uses nothing more than straight-up HTML.

Tuesday, January 31st, 2017

The ‘Credit Card Number’ Field Must Allow and Auto-Format Spaces (80% Don’t) - Articles - Baymard Institute

A deep dive into formatting credit card numbers with spaces in online forms.

Friday, October 14th, 2016

Technical Credit by Chris Taylor

Riffing on an offhand comment I made about progressive enhancement being a form of “technical credit”, Chris dives deep into what exactly that means. There’s some really great thinking here.

With such a wide array of both expected and unexpected properties of the current technological revolution, building our systems in such a way to both be resilient to potential failures and benefit from unanticipated events surely is a no-brainer.

Thursday, June 23rd, 2011

Make Your Own Pick Using Recycled Credit Cards » Design You Trust – Social design inspiration!

This is rather brilliant: recycle your old credit cards into plectrums.

Sunday, July 26th, 2009

the Movie title stills collection

Prepare to lose yourself in this collection of movie titles from the 1920s to the present day.

Friday, June 20th, 2008

The Art of the Title Sequence -

A blog devoted to film title sequences.

Friday, March 31st, 2006

The Blog | Larisa Alexandrovna: MSM Plagiarism Strikes Again – AP Welcome to the Party | The Huffington Post

The Associated Press feels that blogs are good enough to steal from, but not good enough to credit.