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Readers response: What are your thoughts on the increasing use of digital payments?

While technology continues to advance, so does the way we pay for things. Many shopping outlets have turned to using digital payment methods rather than cash, which has divided many who find it easier to use cold hard cash than rely on technology. We asked our readers their thoughts on digital payments and the response was overwhelming. Here's what they said. Joan Hughes - Couldn’t go shopping due to bad pains in my leg and back, so my grandson did an online shop. Tried to use my card 5 times but wouldn’t accept it, so had to use my granddaughter's. This is the 3rd time my card has been rejected. Rubbish system, cash is definitely best. Johanna Shakes - Very hard to adjust for elderly. Debra Walker - Hate it! Cash is king. Lex Jordan - I think we should all stand and boycott these companies that don't accept cash. Patricia Tebbit - Don't mind using cards but access to cash is imperative. Think of small charity raffles, garage sales & countless other things where cash is required. Lyn Bradford - I love it, I use 95% card, 5% cash. So much easier. David Taylor - Just making it easier for hackers. Jennifer Bucktin - Cash is best. If digital goes down, you can't use anything. Steve Smith - The digital age is here to stay so it's going to be better for all to get used to it. Quentin Brown - Love them both, digital and cash as it's much easier to pay bills etc. Of course you have to be smart and not gullible. Why can't we have both? Kath Sheppard - Cash is king, a lot safer as well, can't overspend either or be charged fees. Image credits: Shutterstock

Money & Banking

Savvy mum shares her unique packing hacks

A savvy mother and experienced traveller has shared her ultimate hacks for packing your suitcase when heading on your next holiday. Melbourne mum Chantel Ibbotson, who goes by the name Mama Mila online, shared the helpful hacks with her 2.8 million followers, with many people praising her ingenuity. Her go-to tips ranged from keeping your luggage smelling fresh, utilising your space, and how to prevent breakages. One tip Chantel shared, that has been labelled a “game changer”, involves placing necklaces through a straw to prevent them from tangling. One follower commented on the video saying, “I used your straw tip for necklaces last time I travelled and it was awesome.” <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C81L4KYSeAA/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C81L4KYSeAA/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Chantel Mila Ibbotson (@mama_mila_au)</a> </div> </blockquote> The mum-of-two also showed her followers how a simple button can be used to keep pairs of earrings together by fastening each earring through one hole in the button. Chantel also recommended hanging packing cubes that can be purchased online as a great solution for “making packing and unpacking so quick and easy”. The influencer also suggested spraying perfume on cotton pads to keep your suitcase smelling fresh, as well as placing cotton pads in makeup compacts to prevent breakage. Another tip was to pack a separate bag, whether it's a plastic bag or a dust bag, to hold your dirty laundry. This tip allows travellers to easily find clean clothes while also keeping dirty, smellier clothes separate in their own bag. The video racked up thousands of views, with many saying they will try out the unique tips next time they travel. Image credits: Shutterstock

Travel Tips

How Samantha Murphy's digital data could be a crucial clue

Last Friday, Victoria Police revisited the Mount Clear area after extracting information from her mobile phone data, as they continue to investigate the Ballarat mum's disappearance. Now, Former Australia Federal Police officer and professor of cybersecurity, Nigel Phair believes an "anomaly" or "change in the behaviour" of Murphy's data pattern may have prompted authorities to return to the area. Detectives have previously said that Murphy departed her residence and ran approximately 7km through Woowookarung Regional Park with data tracking her last location as Mount Clear. Phair who formerly headed investigations at the Australian High Tech Crime Centre (AHTCC), said that data from her iPhone and Apple Watch is particularly important as both devices constantly log her GPS coordinates, heart rate, altitude and can even detect falls among other biometric information. "From the second that she walked out of her door, when out on the street, they would be able to see where she was moving and how she was moving," Phair told told Liz Hayes on Channel 9's series Under Investigation. Additionally, her iPhone can be precisely located using triangulation from nearby cell phone towers. Phair said that this type of data is extremely reliable and accurate, and he believes that the disturbance in this data the 7km mark, where it stopped tracking the information, reveals some form of sophistication. "That means someone's done something active against those two devices and you have to know what you are doing to think I'm going to completely take these out," he said. "It's not just turning them off, it's destroying them and then getting rid of that piece of evidence." He added that tampering with these devices are particularly hard, because even if they may attempt to change SIM cards, mobile phones that are still on can still be traced. "A device has two signifiers. It has a phone number, which you can change, call that the software signifier," he said. "Then it has a hardware identifier, which is the IMEI number." He said that police would be notified if the IMEI number was still operational. "Regardless if you swap SIMs or don't use a SIM at all and just use it as a Wi-Fi-only device in a Wi-Fi area, it will always broadcast that IME number onto the network," he said. Phair said that it is "highly likely" that police have the data on potential predators and are tracking them, as they can see whether someone else was using a device in the Mount Clear area the day Murphy disappeared. Former Victorian detective Damian Marrett told Hayes the he believes Murphy's disappearance is the result of foul play, as changes in her digital data could suggest it was a "targeted attack". He also added that if anyone else had access to her Find My iPhone app or any of her other data, they could easily track her using this information. "Somebody who intimately knew the tracks that she takes or had access to be able to track her runs," he said. "So she could have been tracked without those people having to physically surveil her." Images: Under Investigation/ Facebook

Legal

Savvy traveller shares how to guarantee an entire row on your next flight

When it comes to flying, it's no secret that space is a hard commodity to come by. Travelling in economy often means being crammed in beside other passengers battling for real estate on your shared arm rests, and struggling to stretch out your legs in limited space for your feet and bags. However, a savvy traveller has shared a foolproof hack to get the most space you can on your next flight with Qantas. Frequent flyer Chelsea Badger has revealed how she recently managed to switch seats to a row of empty seats mere moments before her Auckland to Sydney flight, without having to pay an extra cent. “I can't believe this works,” Chelsea, who lives in Auckland, said in her now-viral TikTok. Chelsea said in order to make the hack work, you will need the Qantas app, and wait until 10 minutes before your flight to check in. “Once you've done this, open up the Qantas app and click the seat selector tool,” she said. “If there's a whole row free or even just a better seat, make a mental note of that number.” Chelsea added, “You won't be able to select that seat in the app as it's too close to boarding, so simply just go up to the desk and politely ask to have it changed.” “It's so easy and I can't believe this works!” She clarified that it has worked for her on several non-full Qantas flights, but she is not saying it will work for every airline. More than 300,000 people who viewed the video thanked Chelsea for sharing her secret trick, with many saying they would try it out for themselves. “Legit did this,” one commenter posted. “This is smart AF,” another added. A third shared her own take on the trick, “I've made mental notes of empty rows while literally boarding the plane and then just sitting in those seats upon boarding - works every time.” Image credits: Getty Images

Travel Tips

Savvy mum shares little-known tip to save big bucks at Woolworths

A savvy mother-of-five has shared a valuable hack that has seen her save up to $80 in her Woolworths grocery shop. Posting a video on TikTok sharing the little-known tip, Kate revealed how two simple steps can shave 14 per cent off the monthly grocery bill. The mum explained the steps saved her $80 on her most recent shopping trip, and how they can be repeated “every single month”. In her video, Kate explains how buying a Woolworths mobile SIM card gives you a 10 per cent discount to use each month. She goes on to explain that buying Woolworths gift cards on the supermarket’s app gives you an extra 4 per cent discount, with the gift cards themselves able to be spent on groceries. “I saved a fortune on my groceries today, and I’m going to give you a couple of little hacky hacks and tell you how because it’s f****** expensive out there,” she said. “Step one, you’re going to grab yourself a Woolworths mobile SIM card. Not only is it going to save you money because it’s not a s**** plan that has crappy inclusions - it’s actually really decent and pay-as-you-go, so you’re not going to put yourself in debt." “What this also does is give you a code every single month for 10 per cent off your grocery totals." “So, if you save that code for a week when you do a big pantry top-up - grab your nappies, grab those extra cleaning products, whatever it might be, use that 10 per cent off code. It works." “I mean, they say up to $500 but I just did one slightly over $500 and it still gave me the full 10 per cent off.” The mum then shared how buying Woolworths gift cards through the supermarket’s app can also help you save. “Once you have that grocery total, after your 10 per cent offer’s been taken off, you’re then going to log back into your Woolworths mobile account because that’s going to give you access to discounted gift cards,” she continued. “You can grab a Woolworths gift card for 4 per cent off and then pay for your groceries using that discounted gift card. That gives you a further saving of 4 per cent, making your total 14 per cent - before you’ve even shopped specials, you’ve saved some money.” She hoped that by sharing the tips she could help struggling Aussie families save some money on essentials going into the festive season. Image credits: Getty Images

Money & Banking

Digital fashion and the Metaverse: a new way for people to experience fashion

Is screen wear the new street wear? As people spend more time online – in meetings, social media and video games – clothing brands and designers are increasingly interweaving digital design with physical fashion. The wave of new fashion technology encompasses everything from tailoring the look of your online gaming avatar, to digital sampling and fittings, through to virtual runways and fashion shows. Industry experts discussed the emerging trends at a <a href="https://www.youtube.com/watch?v=TH6l5Gk5dZ4" target="_blank" rel="noreferrer noopener">panel on Fashion and the Metaverse</a> <a href="https://tmice.edu.au" target="_blank" rel="noreferrer noopener">hosted by</a> The Masters Institute of Creative Education. Founder of virtual reality and streaming start up Inverse Darren Vukasinovic, says interest in digital fashion and technologies like augmented and virtual reality, surged as people shifted to online spaces like Zoom and Teams during the pandemic. He says it wasn’t long before people began thinking, “what is my identity when I’m living in a digital space?” “I saw it in the creativity of the backgrounds people were starting to use, their virtual backgrounds. You’d get on these calls and the first couple of times it’s normal… and then, all of a sudden the backgrounds and getting more elaborate and the filters are getting more elaborate.” Australian fashion designer <a href="https://www.danielavakian.com" target="_blank" rel="noreferrer noopener">Daniel Avakian</a> says, digital technologies like 3D pattern making and rendering can alleviate the cost, work, time and waste involved in traditional fashion sampling. Avakian says, “in the fashion industry in the back end … a designer creates an idea, an inspiration and they create a 2D technical drawing. And then they give it to a pattern maker and the pattern maker will create a sample. And this all costs time and money. “And then you’ve got a dozen people in the back room doing that. But upskilling them with this new technology and this new workflow saves all brands, many, many costs in that long arduous process. “And we stop having to create all that wastage in sampling … we can see it digitally … it will create a new, efficient way for people to experience fashion.” Avakian’s company has been experimenting with the use of 3D body scanning technology to create red carpet gowns. “So [for] a couple of red carpet pieces we’ve been doing in Australia, the clients have a body scan, and we’ve made them a red-carpet dress in, like, two weeks. And it’s through the body scan technology we get all their measurements… my factories are able to then custom-make the garment from the design.” The efficiencies in these new digital processes offer sustainability benefits in the form of lower greenhouse emissions, waste and transport miles involved in sending new season clothing sample sets around the world. On the flip side, some technologies like blockchain and cryptocurrencies can consume large amounts of energy. Avakian says he sees the need for upskilling and education, ensuring that fashion, textiles and design students understand these emerging digital concepts. “Having young designers learn how to be able to use 3D pattern making software to show, to see changes on a lapel, or changes on a dress.” ‘Screen wear’ is term used for the technology which allows people to add photo-realistic clothing items to their social media photographs. This gives people opportunities to purchase and ‘wear’ items that they might not otherwise choose, or be able to afford in the real world. Eugene Leung, the creative director of fashion and design company <a href="https://theinjury.com.au/" target="_blank" rel="noreferrer noopener">Injury</a>, says digital fashion and 3D rendering can also help eliminate the real-world waste that results when certain types of consumers, like Instagram influencers, buy an item of clothing and only wear it once. “Digital fashion can basically satisfy the desire for consumption, but in a more sustainable way,” he says. Increasingly there is blending between digital and physical worlds. For example, Leung says sometimes customers will buy a piece of digital clothing and later ask him to make a physical version. Digital producer and retired model <a href="https://www.caitlinlomax.com" target="_blank" rel="noreferrer noopener">Caitlin Lomax</a>, says the technology already exists for rendering digital clothing items onto a photo of a person, or an avatar in a game. “When we’re talking about fashion in a rendered, simulated thing. We can get such high-quality beautiful visuals,” she says. Lomax says, ‘digital first’ designers focus on developing the clothing and styles – known as ‘skins’ – for computer game and Metaverse avatars on the screen, rather than fashion in the physical world. Avakian says digital campaigns can also offer new ways of marketing clothing. “At <a href="https://nyfw.com/home/" target="_blank" rel="noreferrer noopener">New York fashion week</a>, our finale dress … we took a Metaverse asset and brought it into the real world and let it walk down the runway.” “We’ve sold quite a few of those dresses as the real garment, just from that Metaverse imagery,” he says. Image credits: Getty Images  <img id="cosmos-post-tracker" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=220452&title=Digital+fashion+and+the+Metaverse%3A+a+new+way+for+people+to+experience+fashion" width="1" height="1" />  <div id="contributors"> This article was originally published on <a href="https://cosmosmagazine.com/technology/digital-fashion-and-the-metaverse-a-new-way-for-people-to-experience-fashion/" target="_blank" rel="noopener">cosmosmagazine.com</a> and was written by Petra Stock. </div>

Beauty & Style

As countries ranging from Indonesia to Mexico aim to attract digital nomads, locals say ‘not so fast’

Should your community welcome <a href="https://www.merriam-webster.com/dictionary/digital%20nomad">digital nomads</a> – individuals who work remotely, allowing them freedom to bounce from country to country? <a href="https://global.oup.com/academic/product/digital-nomads-9780190931780?cc=us&lang=en&">Our research</a> has found that workers are eager to embrace the flexibility of not being tied to an office. And after experiencing economic losses due to the COVID-19 pandemic, cities and countries are concocting ways to entice visitors. One idea involves stretching the meaning of tourism to include remote workers. Today, a growing number of countries offer so-called “<a href="https://nomadgirl.co/countries-with-digital-nomad-visas/">digital nomad visas</a>.” These visas allow longer stays for remote workers and provide clarity about allowable work activities. For example, officials in Bali, Indonesia, are looking to formalize a process for remote workers to procure visas – “<a href="https://coconuts.co/bali/features/the-faster-the-better-bali-tourism-agency-head-tjokorda-bagus-pemayun-talks-digital-nomad-visa-plans-and-what-it-means-for-the-island/">the faster, the better</a>,” as the head of the island’s tourism agency put it. Yet pushback from locals in cities ranging <a href="https://time.com/6072062/barcelona-tourism-residents-covid/">from Barcelona</a> to <a href="https://nypost.com/2022/07/28/mexico-city-residents-angered-by-influx-of-americans-speaking-english-gentrifying-area-report/">Mexico City</a> has made it clear that there are costs and benefits to an influx of remote workers. As we explain in our new book, “Digital Nomads: In Search of Freedom, Community, and Meaningful Work in the New Economy,” the trend of “work tourism” <a href="https://global.oup.com/academic/product/digital-nomads-9780190931780?cc=us&lang=en&">comes with a host of drawbacks</a>. <h2>Wearing out their welcome</h2> For as long as there’s been tourism, locals have griped about the outsiders who come and go. These travelers are usually a welcome boost to the economy – <a href="https://dictionary.cambridge.org/us/dictionary/english/overtourism">up to a point</a>. They can also wear out their welcome. Perhaps the classic example is <a href="https://www.bloomberg.com/news/articles/2021-06-25/venice-reinventing-itself-as-sustainable-tourism-capital">Venice</a>, where high numbers of tourists stress the canal-filled city’s fragile infrastructure. In the U.S., New Jersey shore residents have long used the term “<a href="https://en.wikipedia.org/wiki/Shoobie">shoobies</a>” to denigrate the annual throng of short-term summer tourists. In our research on digital nomads in Bali, locals referred to digital nomads and other tourists as “bules” – a word that roughly translates as “foreigners.” Generally the terms are used to express minor annoyance over crowds and increased traffic. But conventional tourists come and go – their stays usually range from a couple of nights to a couple of weeks. Remote workers stay anywhere from weeks to months – or longer. They spend more time using places and resources traditionally dedicated to the local residents. This raises the chances that outsiders become a grating presence. Excessive numbers of visitors can also raise sustainability concerns, as waves of tourists tax the environment and infrastructure of many destinations. Many of Bali’s beautiful rice fields and surrounding lush forests, for example, are being converted into hotels and villas to serve tourism. <h2>Digital nomads look to stretch their dollars</h2> Whether they’re lazing around or plugging away on their laptops, privileged tourists ultimately change the economics and demographics of an area. Their buying power increases costs and displaces residents, while traditional businesses make way for ones that cater to their tastes. <a href="https://theconversation.com/how-food-became-the-perfect-beachhead-for-gentrification-167761">Where once there was a neighborhood food stand</a>, now there’s an upscale cafe. This dynamic is only exacerbated by long-term tourists. Services like VRBO and Airbnb make it easy for digital nomads to rent apartments for weeks or months at a time, and <a href="https://www.bbc.com/news/business-45083954">people around the world are increasingly alarmed</a> at how quickly such rentals can change the affordability and character of a place. Living a vacation lifestyle on a long-term basis implies a need to choose lower-cost destinations. This means that remote workers may particularly contribute to gentrification as they seek out places where their dollars go furthest. In <a href="https://travelnoire.com/digital-nomads-see-why-mexicans-are-fed-up-with-them">Mexico City</a>, residents fear displacement by remote workers able to pay higher rents. In response to calls to choose Mexico City as a remote working destination, one local succinctly expressed opposition: “<a href="https://www.vox.com/the-goods/22999722/mexico-city-pandemic-remote-work-gentrification">Please don’t</a>.” And in <a href="https://www.theguardian.com/us-news/2019/mar/13/new-orleans-airbnb-treme-short-term-rentals">New Orleans</a>, almost half of all properties in the historic <a href="https://nola.curbed.com/2018/5/16/17356630/treme-new-orleans-neighborhood-history-pictures">Tremé district</a> – one of the oldest Black neighborhoods in the U.S. – have been converted to short-term rentals, displacing longtime residents. <h2>Culture becomes commodified</h2> <a href="https://suitcasemag.com/articles/neocolonial-tourism">Neocolonialism</a> in tourism refers to the way processes such as overtourism and gentrification create a power imbalance that favors newcomers and erodes local ways of life. “There’s a distinction between people who want to learn about the place they are in and those who just like it because it’s cheap,” one digital nomad living in Mexico City <a href="https://www.latimes.com/world-nation/story/2022-07-27/americans-are-flooding-mexico-city-some-mexicans-want-them-to-go-home">recently told the Los Angeles Times</a>. “I’ve met a number of people who don’t really care that they’re in Mexico, they just care that it’s cheap.” Bali, where <a href="https://www.aseantoday.com/2020/10/balis-economy-struggles-to-survive-without-tourists/">as much as 80%</a> of the island’s economy is estimated to be affected by tourism, offers a stark example. People come to Bali to be immersed in the culture’s spiritual rituals, art, nature and dance. But there’s also resentment over yoga lovers, resortgoers and digital nomads “taking over” the island. And some locals come to see the tourism in and around temples and rituals as the transformation of something cherished – the nuanced and spiritual aspects of their culture – into experiences to be bought and sold. For instance, Balinese dance performances are huge tourist draws and are even featured in global promotions for tourism on the island. Yet these performances also have cultural and spiritual meaning, and the impact of tourism on these aspects of dance is <a href="https://www.researchgate.net/publication/37628994_Authenticity_and_commodification_of_Balinese_dance_performances">debated even among performers</a>. So there is inevitably friction, which can be seen in the high levels of <a href="https://coconuts.co/bali/features/living-in-a-petty-crimes-paradise-balis-unreported-thefts-and-muggings/">petty crime</a>against foreigners. Neocolonialism can also pit people from the same country or culture against one another. For example, <a href="https://www.travelmole.com/news/bali-taxi-wars-flare-again/">conflicts arise</a> between local Balinese taxi cooperatives and taxi services that employ drivers from other parts of Indonesia. Although remote employees still make up a small portion of the overall tourist population, their work-related needs and longer stays mean they’re more likely to use services and places frequented by locals. Whether this leads digital nomads to be welcomed or scorned likely depends on both government policies and tourists’ behavior. Will governments take measures such as protecting locals from mass evictions, or will landlords’ desire for higher rents prevail? Will guests live lightly and blend in, trying to learn the local language and culture? Or will they simply focus on working hard and playing harder? As remote work reaches an unprecedented scale, the answers to such questions may determine whether “<a href="https://coconuts.co/bali/features/the-faster-the-better-bali-tourism-agency-head-tjokorda-bagus-pemayun-talks-digital-nomad-visa-plans-and-what-it-means-for-the-island/">the faster, the better</a>” attitude toward digital nomad visas and other incentives continues. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/as-countries-ranging-from-indonesia-to-mexico-aim-to-attract-digital-nomads-locals-say-not-so-fast-189283" target="_blank" rel="noopener">The Conversation</a>.

Travel Tips

This EU country is the first to trial digital passports

Finland will be the first country to trial digital passports that would allow people to travel without paper documents. Instead, travellers will be able to use a mobile app that stores digital copies of their important travel documents, as reported by the <a href="https://www.nzherald.co.nz/travel/finland-set-to-become-the-first-eu-country-to-trial-digital-passports/MDLD7UORHB4GACBOZ35SZ3NUQQ/" target="_blank" rel="noopener">NZ Herald</a>. A successful trial would be a big step towards EU-wide adoption of digital passports, but Europeans shouldn’t be ditching their paper passports just yet. Mikko Väisänen, an inspector of the Finnish Border Guard, said the trial is dependent on the Finnish government finishing the drafting of a funding application which will be submitted to the European Commission at the end of the month. Once the funding is approved, a select group of volunteers will be able to take part in the pilot run, held at Helsinki Airport for flights between Finland and Croatia. The volunteers will still need their paper passports, but will be given a mobile app to download onto their phone so they can share the necessary information with border security. Väisänen said that adopting digital passports wouldn’t just make the lives of travellers easier, especially for those who forget or lose their documents while abroad, but can also make border checks more efficient. Christoph Wolff, the Head of Mobility at the World Economic Forum, agreed, saying that electronic, paperless systems could be key to managing demand in airports. "By 2030, international air arrivals are expected to reach 1.8 billion passengers, up 50 per cent from 2016. Under today's systems, airports cannot keep up with this growth," he said. If the Finnish government’s application is successful, the trial would begin at the end of 2022. Image: Getty Images

International Travel

How to empower older adults to become digital citizens in our tech-dependent world

Living in a technology dependent world means we all want to stay connected, regardless of age. And the COVID-19 pandemic was a major catalyst <a href="https://dx.doi.org/10.1016%2Fj.ijinfomgt.2020.102171">for increasing our technological dependence</a>. It became normal to do weekly online grocery shops, attend doctors’ appointments or work via Zoom and FaceTime family and friends. The reality is however, that not everyone is fortunate enough to have access to the technological devices or skills to operate in our online world — some of the most impacted by this are older adults. This <a href="https://doi.org/10.1186/s41256-020-00154-3">magnified the pandemic for them, especially in terms of isolation</a>. Older adults were left without the main resource that has been keeping many of us connected — technology. But that’s not all the pandemic has laid bare for older adults. A <a href="https://theconversation.com/the-aging-face-of-homelessness-in-north-american-cities-111702">large number of them are also either experiencing, or are vulnerable to homelessness</a>. Older adults have become one of the <a href="https://www.homelesshub.ca/resource/%E2%80%9Cno-home-no-place%E2%80%9D-addressing-complexity-homelessness-old-age-through-community-dialogue">groups most at-risk for housing insecurities during the pandemic</a>. And one of the <a href="https://www.homelesshub.ca/about-homelessness/education-training-employment/poverty">largest barriers to housing, is low socioeconomic status</a>. Our technological dependence has created new challenges for older adults, and helped solidify pre-existing ones, like navigating online platforms to secure housing. Older adults face housing barriers due to the lack of technological resources and education on how to use them; there is a clear need to empower them to be digital citizens. <h2>Finding housing in an internet-dependent world</h2> Overall, older adults are often excluded from using the internet because they <a href="https://doi.org/10.1093/geronb/gbaa098">lack devices and connectivity, or are inexperienced in using it</a>. So when it comes to finding housing, they’re often left behind. A decade ago, it was possible to walk through the streets, sift through newspapers, notice boards and discover apartments for rent, but this is increasingly uncommon. The platforms themselves — like Kijiji, PadMapper and Facebook Marketplace — are not made with older adults in mind; meaning <a href="https://doi.org/10.1177/0308518X19869678">the ability to navigate and access these resources makes it even more difficult for them to find housing</a>. On top of having to search through unfamiliar platforms, they’re also faced with finding an apartment on a limited budget. Imagine you don’t know housing websites exist. Or know how to navigate online ads. Or have a device to access the internet. You’re put at a serious disadvantage when it comes to accessing housing. In North America “<a href="https://doi.org/10.1177/0308518X19869678">large portions of the rental housing market have moved online … more renters in urbanized areas found their current homes through a site like Craigslist than through any other information channel</a>.” Meaning the majority of rental properties are accessible through online platforms. Older adults who are not part of this digital world have limited opportunities to find housing. We don’t want to suggest that finding an apartment is impossible but, if you are an older adult lacking technological resources and digital literacy, it may feel overwhelming. <h2>Making technology more accessible</h2> How can we move forward in this digital world, when so many are being left behind? We should at least make technology accessible, so the choice is up to the user. When it comes to older adults, having the liberty to choose their involvement with technology can provide independence and autonomy. When the decision is theirs to make, their <a href="https://doi.org/10.1016/j.chb.2016.05.092">quality of life tends to increase, especially regarding social isolation</a>. While <a href="https://www.ncoa.org/article/top-10-financial-scams-targeting-seniors">older adults are more vulnerable to phishing and scams</a> and may have trouble recognizing fake housing advertisements, <a href="https://helpagecanada.ca/seniors-can-connect/">having support</a> and <a href="https://youthteachingadults.ca/resources/">educational resources</a> can <a href="https://www.connectedcanadians.ca/">promote the adoption of a conscious and cautious attitude</a> online, promote the use of trusted websites and avoid disclosing personal information such as SIN and credit card information. This can actively enable older adults to feel more comfortable and confident online. We are a part of the <a href="https://www.sfu.ca/airp/news-events/in-the-news/spike-in-homelessness-among-aged-prompts-research-for-solutions-.html">Aging in the Right Place (AIRP) Project</a> which looks at the causes of homelessness for older adults in order to evaluate <a href="https://www.seniorsservicessociety.ca/">current promising practices in place, such as temporary housing that support older adults who are at risk of experiencing homelessness</a>. An integral part of this project is to not only be in close contact with the people working towards supporting this population, but also with older people experiencing homelessness themselves. In our preliminary client interviews of those living in the temporary housing, we’re often told how invaluable technology is when searching for stable housing. <h2>Technology can improve quality of life</h2> As a society we assume older adults are not interested in various technologies, <a href="https://slate.com/technology/2020/07/seniors-technology-illiteracy-misconception-pandemic.html">not because they’re resisting but because technologies that currently exist were simply not created with them in mind</a>. Failing to include older adults as technology users further perpetuates the <a href="https://doi.org/10.1007/978-3-319-39949-2_15">social, information and digital exclusion they experience</a>. This <a href="https://www.ceeol.com/search/article-detail?id=425680">leaves very few opportunities for them to access education and awareness</a>. Opportunities that do exist to learn are often found in schools or at work — which are environments many older adults no longer frequent. Technology can improve the quality of life for older adults by providing ease, inclusion and comfort by making the essentials, like finding housing, more accessible. It’s time we <a href="https://helpagecanada.ca/seniors-can-connect/">draw on the resources</a> <a href="https://youthteachingadults.ca/resources/">and educational initiatives</a> <a href="https://www.connectedcanadians.ca/">in place and reach out to the ones who have been left behind</a>. Let’s empower older adults to be digital citizens. As digital citizens, they will have more opportunities to secure housing and tools to prevent homelessness. These supports will not only give them a sense of involvement in a technologically dependent world, but also provide a sense of belonging and inclusion in today’s society. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/how-to-empower-older-adults-to-become-digital-citizens-in-our-tech-dependent-world-167010" target="_blank" rel="noopener">The Conversation</a>.

Retirement Life

The downside of digital transformation: why organisations must allow for those who can’t or won’t move online

We hear the phrase “digital transformation” a lot these days. It’s often used to describe the process of replacing functions and services that were once done face-to-face by human beings with online interactions that are faster, more convenient and <a href="https://www.mckinsey.com/%7E/media/mckinsey/industries/public%20and%20social%20sector/our%20insights/transforming%20government%20through%20digitization/digital-by-default-a-guide-to-transforming-government-final.pdf" target="_blank" rel="noopener">“empower” the user</a>. But does digital transformation really deliver on those promises? Or does the seemingly relentless digitalisation of life actually reinforce existing social divides and inequities? Take banking, for example. Where customers once made transactions with tellers at local branches, now they’re encouraged to do it all online. As branches close it leaves many, <a href="https://www.stuff.co.nz/business/123302983/asb-set-to-close-another-23-branches-as-customers-move-online" target="_blank" rel="noopener">especially older people</a>, struggling with what was once an easy, everyday task. Or consider the now common call centre experience involving an electronic voice, menu options, <a href="https://theconversation.com/sorry-i-dont-understand-that-the-trouble-with-chatbots-and-how-to-use-them-better-171665" target="_blank" rel="noopener">chatbots</a> and a “user journey” aimed at pushing customers online. As organisations and government agencies in Aotearoa New Zealand and elsewhere grapple with the call to become more “digital”, we have been examining the consequences for those who find the process difficult or marginalising. Since 2021 we’ve been working with the <a href="https://www.cab.org.nz/" target="_blank" rel="noopener">Citizens Advice Bureau</a> (CAB) and talking with public and private sector organisations that use digital channels to deliver services. Our findings suggest there is much still to be done to find the right balance between the digital and non-digital. The ‘problematic’ non-user The dominant view now suggests the pursuit of a digitally enabled society will allow everyone to lead a “frictionless” life. As the government’s own policy document, <a href="https://www.digital.govt.nz/dmsdocument/193%7Etowards-a-digital-strategy-for-aotearoa/html" target="_blank" rel="noopener">Towards a Digital Strategy for Aotearoa</a>, states: <blockquote> Digital tools and services can enable us to learn new skills, transact with ease, and to receive health and well-being support at a time that suits us and without the need to travel from our homes. </blockquote> Of course, we’re already experiencing this new world. Many public and private services increasingly are available digitally <a href="https://www.theguardian.com/public-leaders-network/2014/jan/07/new-zealand-uk-digital-revolution" target="_blank" rel="noopener">by default</a>. Non-digital alternatives are becoming restricted or even disappearing. There are two underlying assumptions to the view that everyone can or should interact digitally. First, it implies that those who can’t access digital services (or prefer non-digital options) are problematic or deficient in some way – and that this can be overcome simply through greater provision of technology, training or “nudging” non-users to get on board. Second, it assumes digital inclusion – through increasing the provision of digital services – will automatically increase social inclusion. Neither assumption is necessarily true. ‘Digital enforcement’ The CAB (which has mainly face-to-face branches throughout New Zealand) has documented a significant increase in the number of people who struggle to access government services because the digital channel was the default or only option. The bureau argues that <a href="https://inclusioncampaign.cab.org.nz/" target="_blank" rel="noopener">access to public services is a human right</a> and, by implication, the move to digital public services that aren’t universally accessible deprives some people of that right. In earlier research, we refer to this form of deprivation as “<a href="https://onlinelibrary.wiley.com/doi/10.1111/isj.12306" target="_blank" rel="noopener">digital enforcement</a>” – defined as a process of dispossession that reduces choices for individuals. Through our current research we find the reality of a digitally enabled society is, in fact, far from perfect and frictionless. Our preliminary findings point to the need to better understand the outcomes of digital transformation at a more nuanced, individual level. Reasons vary as to why a significant number of people find accessing and navigating online services difficult. And it’s often an intersection of multiple causes related to finance, education, culture, language, trust or well-being. Even when given access to digital technology and skills, the complexity of many online requirements and the chaotic life situations some people experience limit their ability to engage with digital services in a productive and meaningful way. The human factor The resulting sense of disenfranchisement and loss of control is regrettable, but it isn’t inevitable. Some organisations are now looking for alternatives to a single-minded focus on transferring services online. They’re not completely removing call centre or client support staff, but instead using digital technology to improve <a href="https://deloitte.wsj.com/articles/at-contact-energy-digital-powers-human-centric-cx-01643821371" target="_blank" rel="noopener">human-centred service delivery</a>. Other organisations are considering partnerships with intermediaries who can work with individuals who find engaging with digital services difficult. The Ministry of Health, for example, is supporting a community-based Māori health and social services provider to establish a <a href="https://www.health.govt.nz/our-work/digital-health/digital-enablement/digital-enablement-stories/digital-health-hub-supports-taranaki-whanau-access-services-closer-home" target="_blank" rel="noopener">digital health hub</a> to improve local access to health care. Our research is continuing, but we can already see evidence – from the CAB itself and other large organisations – of the benefits of moving away from an uncritical focus on digital transformation. By doing so, the goal is to move beyond a divide between those who are digitally included and excluded, and instead to encourage social inclusion in the digital age. That way, organisations can still move forward technologically – but not at the <a href="https://www.theguardian.com/commentisfree/2022/jun/23/the-guardian-view-on-digital-exclusion-online-must-not-be-the-only-option">expense of the humans</a> they serve.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/186905/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/angsana-a-techatassanasoontorn-1292067" target="_blank" rel="noopener">Angsana A. Techatassanasoontorn</a>, Associate Professor of Information Systems, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137" target="_blank" rel="noopener">Auckland University of Technology</a>; <a href="https://theconversation.com/profiles/antonio-diaz-andrade-1361842" target="_blank" rel="noopener">Antonio Diaz Andrade</a>, Professor of Business Information Systems, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137" target="_blank" rel="noopener">Auckland University of Technology</a>; <a href="https://theconversation.com/profiles/bill-doolin-1361879" target="_blank" rel="noopener">Bill Doolin</a>, Professor of Technology and Organisation, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137" target="_blank" rel="noopener">Auckland University of Technology</a>, and <a href="https://theconversation.com/profiles/harminder-singh-1361833" target="_blank" rel="noopener">Harminder Singh</a>, Associate Professor of Business Information Systems, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137" target="_blank" rel="noopener">Auckland University of Technology</a> This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-downside-of-digital-transformation-why-organisations-must-allow-for-those-who-cant-or-wont-move-online-186905" target="_blank" rel="noopener">original article</a>. Image: Getty Images

Technology

Savvy shopper reveals how to score free groceries at Coles and Woolies

An Australian mum has shared her tips on snagging free groceries at the till. The woman from Sydney's north shore took to Facebook to reveal her secrets which managed to bag her a one kilogram tin of Milo and a roast chicken for free last week. “Is everyone aware of the Code of Scanning Practice 1984 at supermarkets?” she asked. “If the price on the shelf is lower than the price the item scans, you get it free." “Check your receipts before leaving [the] shop ladies. They have to refund [you] and give you [the] item." “I usually find two to three items every week!” The Scanning Code of Practice is a voluntary code that many supermarkets have signed up to, including Woolies, Coles, and some IGA and Aldi stores. Under the policy, if an item scans higher than what the shelf price says, the customer is entitled to receive the first item for free. Any subsequent item will be charged at the lower price. The code however, does exclude alcohol, tobacco and items without a barcode, while purchases disputed must be under $50. The policy is well detailed on Coles' website as part of its "promise on price scanning". <div> “If a single item scans at a higher price than the advertised or ticket shelf price for that item, we will give you that item free,” it says. Many people shared their experiences of utilising the policy on the Facebook post, while others shared times they have still been charged full price. “A lot of the time they think people don’t know this, and they will try to just change it to the shelf price,” someone said. “At the service desk, they have a Code of Scanning Practice brochure,” another wrote. “ If they try to argue, I whip it out of my purse.” “I never used to bother saying anything but got sick of getting ripped off at every shop,” someone else added. Image credits: Getty Images </div>

Money & Banking

Alcohol marketing has crossed borders and entered the metaverse – how do we regulate the new digital risk?

The World Health Organization’s newly <a href="https://www.who.int/publications/i/item/9789240046504" target="_blank" rel="noopener">released report</a> on regulating cross-border alcohol marketing raises the alarm for countries like Australia and New Zealand, given their light touch towards alcohol advertising. Alcohol is widely consumed in Australasia but there is ongoing tension over how much restraint, if any, should be placed on the marketing of these products. Australia and New Zealand are at the unrestrained end of the marketing continuum. Both countries rely on industry-led policy in the form of voluntary codes – an approach identified as insufficient by the WHO report. What is cross-border alcohol marketing? Alcohol marketing, created and disseminated in one country and spread across borders into others, is commonly used by multinational corporations striving to increase sales and normalise alcohol as an everyday product. Much of this advertising is taking place in the digital media sphere. The increased use of these media platforms by alcohol corporations allows them access to cheap advertising opportunities. For as <a href="https://au.reset.tech/uploads/resettechaustralia_profiling-children-for-advertising-1.pdf" target="_blank" rel="noopener">little as US$2</a>, an advertising campaign based in Australia could reach a thousand young people profiled as interested in alcohol, for example. Marketing across digital media has also increased the impact of those messages. Brands interact with users on social media platforms, encouraging the posting, sharing and liking of <a href="https://pubmed.ncbi.nlm.nih.gov/33573719/" target="_blank" rel="noopener">branded images and messages</a>. Higher user engagement is associated with <a href="https://pubmed.ncbi.nlm.nih.gov/32079562/" target="_blank" rel="noopener">more drinking</a>. <figure class="align-center "><img src="https://images.theconversation.com/files/464113/original/file-20220518-21284-beeqsu.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/464113/original/file-20220518-21284-beeqsu.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/464113/original/file-20220518-21284-beeqsu.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/464113/original/file-20220518-21284-beeqsu.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/464113/original/file-20220518-21284-beeqsu.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/464113/original/file-20220518-21284-beeqsu.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/464113/original/file-20220518-21284-beeqsu.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="AB InBev logo behind a smartphone also showing the logo" /><figcaption>Multinational corporations like AB InBev have been quick to embrace digital platforms as a new way to advertise alcohol products. <a class="source" href="https://www.gettyimages.com.au/detail/news-photo/in-this-photo-illustration-an-ab-inbev-logo-is-seen-on-a-news-photo/1234971135?adppopup=true" target="_blank" rel="noopener">Pavlo Gonchar/Getty Images</a></figcaption></figure> Targeting the individual The increased power of these advertisements reflects the effectiveness of “personalised marketing”. Companies can now target individuals and “look alike” audiences. This approach is made possible thanks to the enormous amount of data collected as we interact together, purchase products and indicate our interests and passions through our clicks and likes. This data is extremely valuable to marketers and alcohol corporations. It gives them insight into the best time of day, the best brand of alcohol and the best type of marketing message to send our way. All groups across society are vulnerable to being bombarded by messages encouraging the purchase and consumption of alcohol. Digital advertising can target everyone: teenagers looking for brands which exemplify their identity; young adults, the heaviest “occasion drinkers” in Australia and New Zealand, some of whom are developing drinking habits that may be hard to change in later life; and adults of all ages who wish to reduce their consumption, often for health reasons. Digital media has become an all-encompassing marketing environment in which the “buy” button – with home delivery and often no checks on age or intoxication – provides a seamless marketing and distribution system. In New Zealand, <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/dar.13222" target="_blank" rel="noopener">online sales</a> increased significantly during the COVID-19 lockdowns, particularly among heavier drinkers. Entering the metaverse The alcohol industry is now showing its initiative by entering the emerging <a href="https://www.ypulse.com/article/2022/02/03/metaverse-mansions-more-tiktok-how-brands-are-marketing-for-this-years-super-bowl/" target="_blank" rel="noopener">metaverse</a>. To understand the metaverse, <a href="https://thedecisionlab.com/insights/technology/brave-new-world-how-the-metaverse-may-shape-our-psychology" target="_blank" rel="noopener">according to one commentator</a>, you should <blockquote> take today’s social media, add a splash of sophisticated 3D, fold in a plethora of options for entertainment and gaming, garnish it all with data-driven personalisation, and you are all set to take away your order of a supersized social media network, the metaverse. </blockquote> In terms of marketing, this provides a new opportunity. The biometric data essential to a virtual reality experience is also available to develop “<a href="https://scholarship.law.vanderbilt.edu/jetlaw/vol23/iss1/1/" target="_blank" rel="noopener">biometric psychographics</a>”, allowing for the even greater personalisation of advertising. Virtual alcohol brands created and used by avatars in the metaverse support the development of brand allegiance in real life, and virtual reality will transform e-commerce experiences and increase the power of sponsorship. AB InBev, the largest global alcohol corporation, was an early adopter of the metaverse. One of its brands, <a href="https://sifted.eu/articles/metaverse-brands-nft/" target="_blank" rel="noopener">Stella Artois</a>, is sponsoring the Australian Zed Run platform on which virtual horses can be raced, bred and traded. The Zed Run platform experienced 1,000% growth in early 2021. <figure class="align-center "><img src="https://images.theconversation.com/files/464116/original/file-20220518-23-f6cjil.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/464116/original/file-20220518-23-f6cjil.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/464116/original/file-20220518-23-f6cjil.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/464116/original/file-20220518-23-f6cjil.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/464116/original/file-20220518-23-f6cjil.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/464116/original/file-20220518-23-f6cjil.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/464116/original/file-20220518-23-f6cjil.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="Two people stand in front of a screen with a digital image of a horse." /><figcaption>Digital horse racing game Zed Run has exploded in popularity, with alcohol companies using the digital platform to reach a new audience. <a class="source" href="https://www.gettyimages.com.au/detail/news-photo/performers-tyra-cartledge-and-kendall-drury-takes-part-in-a-news-photo/1329475903?adppopup=true" target="_blank" rel="noopener">Lisa Maree Williams/Getty Images</a></figcaption></figure> Regulating to reduce alcohol harm The digital world is extremely dynamic. It is also opaque to most policy makers and public health practitioners. It is telling that there is no reference to the metaverse as a cross-border alcohol marketing opportunity in the WHO report. There is an urgent need for debate regarding how policy makers should better understand the risks involved with the targeted marketing of hazardous products such as alcohol. The WHO report outlines various partial and unsuccessful approaches to regulating marketing in the digital media. Attempts, such as <a href="https://helda.helsinki.fi/bitstream/handle/10138/303690/Alcohol_marketing_on_social_media_sites_in_Finland_and_Sweden_2019.pdf" target="_blank" rel="noopener">Finland’s</a> regulation of user-shared branded material, have failed because they did not interfere with the basic architecture of the social media platforms, which is predicated on engagement via sharing and liking. The most successful examples offered by the WHO report have been countries like Norway, which have imposed a complete ban on alcohol marketing including in the digital media. The report emphasises the need for surveillance and enforcement, suggesting ways in which alcohol companies could be penalised for marketing breaches. The support provided by international agreements such as the <a href="https://fctc.who.int/who-fctc/overview" target="_blank" rel="noopener">Framework Convention on Tobacco Control</a> is identified as a possible template for future discussions. The response to tobacco marketing provides a good and largely effective model for officials and policy makers. That said, the public health goal for alcohol is not equivalent to the smokefree goal. Advocates are not trying to eliminate alcohol altogether. However, there are parallel arguments in favour of creating a healthier media environment through regulation to prevent the promotion of alcohol products via increasingly sophisticated technological and psychological tools. These products are significant causes of reduced well-being, and this marketing increases consumption and therefore harm. The messages of the WHO report are timely and should be heeded.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/183334/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/sally-casswell-862029" target="_blank" rel="noopener">Sally Casswell</a>, Professor of public health policy, <a href="https://theconversation.com/institutions/massey-university-806" target="_blank" rel="noopener">Massey University</a> This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/alcohol-marketing-has-crossed-borders-and-entered-the-metaverse-how-do-we-regulate-the-new-digital-risk-183334" target="_blank" rel="noopener">original article</a>. Image: Getty Images

Legal

Digital inequality: why can I enter your building – but your website shows me the door?

When people hear the term “accessibility” in the context of disability, most will see images of ramps, automatic doors, elevators, or tactile paving (textured ground which helps vision impaired people navigate public spaces). These are physical examples of inclusive practice that most people understand. You may even use these features yourself, for convenience, as you go about your day. However, such efforts to create an inclusive physical world aren’t being translated into designing the digital world. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/463211/original/file-20220516-25-nl8hd8.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/463211/original/file-20220516-25-nl8hd8.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/463211/original/file-20220516-25-nl8hd8.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/463211/original/file-20220516-25-nl8hd8.jpeg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/463211/original/file-20220516-25-nl8hd8.jpeg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/463211/original/file-20220516-25-nl8hd8.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/463211/original/file-20220516-25-nl8hd8.jpeg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/463211/original/file-20220516-25-nl8hd8.jpeg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="A large wheelchair sign is visible to the left of a wheelchair ramp." /></a><figcaption>New buildings are required to comply with a range of physical access requirements, which may include tactile paving (seen in yellow). Shutterstock</figcaption></figure> Accessibility fails Digital accessibility refers to the way people with a lived experience of disability interact with the cyber world. One example comes from an author of this article, <a href="https://www.abc.net.au/news/science/2019-07-13/dark-patterns-online-captcha-accessibility-disability-community/11301054" target="_blank" rel="noopener">Scott</a>, who is legally blind. Scott is unable to purchase football tickets online because the ticketing website uses an image-based “CAPTCHA” test. It’s a seemingly simple task, but fraught with challenges when considering accessibility issues. Despite Scott having an IT-related PhD, and two decades of digital accessibility experience in academic and commercial arenas, it falls on his teenage son to complete the online ticket purchase. Screen readers, high-contrast colour schemes and text magnifiers are all assistive technology tools that enable legally blind users to interact with websites. Unfortunately, they are useless if a website has not been designed with an inclusive approach. The other author of this article, Justin, uses a wheelchair for mobility and can’t even purchase wheelchair seating tickets over the web. He has to phone a special access number to do so. Both of these are examples of digital accessibility fails. And they’re more common than most people realise. We can clearly do better The term “disability” covers a spectrum of <a href="https://www.apsc.gov.au/working-aps/diversity-and-inclusion/disability/definition-disability" target="_blank" rel="noopener">physical and cognitive conditions</a>. It can can range from short-term conditions to lifelong ones. “Digital accessibility” applies to a broad range of users <a href="https://www.w3.org/WAI/people-use-web/abilities-barriers/" target="_blank" rel="noopener">with varying abilities</a>. At last count, nearly <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/2018" target="_blank" rel="noopener">one in five Australians (17.7%)</a> lived with some form of disability. This figure increases significantly when you consider the physical and cognitive impacts of ageing. At the same time, Australians are becoming increasingly reliant on digital services. According to a <a href="https://www.pwc.com.au/consulting/connected-government/potential-of-digital-inclusion.html" target="_blank" rel="noopener">2022 survey</a> by consulting firm PricewaterhouseCoopers, 45% of respondents in New South Wales and Victoria increased their use of digital channels during the COVID-19 pandemic. In contrast, research undertaken by <a href="https://www.infosys.com/australia/digital-accessibility-journey/executive-summary.html" target="_blank" rel="noopener">Infosys in December 2021</a> found only 3% of leading companies in Australia and New Zealand had effective digital accessibility processes. But have we improved? Areas that have shown accessibility improvement include <a href="https://blog.hootsuite.com/inclusive-design-social-media/" target="_blank" rel="noopener">social media platforms</a> such as YouTube, Facebook and Instagram, food ordering services such as <a href="https://www.afb.org/aw/20/4/16411" target="_blank" rel="noopener">Uber Eats</a>, and media platforms such as the ABC News app. Challenges still persist in <a href="https://www.forbes.com/sites/cognizant/2022/03/03/how-to-make-online-banking-disabled-people-friendly/?sh=21a3d5dda4a5" target="_blank" rel="noopener">online banking</a>, <a href="https://www.travelweekly.com/Travel-News/Travel-Agent-Issues/Websites-critiqued-on-accessibility-to-disabled-customers" target="_blank" rel="noopener">travel booking sites</a>, <a href="https://www.forbes.com/sites/sarahkim/2020/12/30/accessibility-of-online-shopping/?sh=66a9d883e49e" target="_blank" rel="noopener">shopping sites</a> and <a href="https://link.springer.com/article/10.1007/s10209-021-00792-5" target="_blank" rel="noopener">educational websites and content</a>. Data from the United States indicates lawsuits relating to accessibility <a href="https://www.essentialaccessibility.com/blog/web-accessibility-lawsuits">are on the rise</a>, with outcomes including financial penalties and requirements for business owners to remedy the accessibility of their website/s. In Australia, however, it’s often hard to obtain exact figures for the scale of accessibility complaints lodged with site owners. <a href="https://humanrights.gov.au/our-work/disability-rights/publications/overlooked-consumers-20-australian-population-disabilities" target="_blank" rel="noopener">This 1997 article</a> from the Australian Human Right Commission suggests the conversation hasn’t shifted much in 25 years. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/463213/original/file-20220516-19-vjfht8.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/463213/original/file-20220516-19-vjfht8.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/463213/original/file-20220516-19-vjfht8.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=257&fit=crop&dpr=1 600w, https://images.theconversation.com/files/463213/original/file-20220516-19-vjfht8.jpeg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=257&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/463213/original/file-20220516-19-vjfht8.jpeg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=257&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/463213/original/file-20220516-19-vjfht8.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=323&fit=crop&dpr=1 754w, https://images.theconversation.com/files/463213/original/file-20220516-19-vjfht8.jpeg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=323&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/463213/original/file-20220516-19-vjfht8.jpeg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=323&fit=crop&dpr=3 2262w" alt="A rendered illustration of a disabled man in a wheelchair and woman with a hearing aid lifting weights." /></a><figcaption>It’s a human right to have fair and equal access to the web and all its services. Shutterstock</figcaption></figure> There are solutions at hand There’s a clear solution to the digital divide. The World Wide Web Consortium’s <a href="https://www.w3.org/TR/WCAG21/" target="_blank" rel="noopener">Web Content Accessibility Guidelines</a> (WCAG) standard has been widely adopted across the globe. It’s universally available, and is a requirement for all Australian public-facing government websites. It guides website and app developers on how to use web languages (such as HTML and CSS) in ways that enable end users who rely on assistive technologies. There are no specialist technologies or techniques required to make websites or apps accessible. All that’s needed is an adherence to good practice. Unfortunately, WCAG is rarely treated as an <a href="https://www.rev.com/blog/web-accessibility-laws-australia-new-zealand" target="_blank" rel="noopener">enforceable standard</a>. All too often, adherence to WCAG requirements in Australia is reduced to a box-ticking exercise. Our academic work and experience liaising with a range of vendors has revealed that even where specific accessibility requirements are stated, many vendors will tick “yes” regardless of their knowledge of accessibility principles, or their ability to deliver against the standards. In cases where vendors do genuinely work towards WCAG compliance, they often rely on automated testing (via online tools), rather than human <a href="https://zoonou.com/resources/blog/why-automated-accessibility-testing-tools-are-not-enough/" target="_blank" rel="noopener">testing</a>. As a result, genuine accessibility and usability issues can go <a href="https://www.researchgate.net/publication/262352732_Benchmarking_web_accessibility_evaluation_tools_Measuring_the_harm_of_sole_reliance_on_automated_tests" target="_blank" rel="noopener">unreported</a>. While the coding of each element of a website might be WCAG compliant, the sum of all the parts may not be. In 2016, the Australian government adopted <a href="https://www.accessibility.org.au/policy-and-research/australian-policy/" target="_blank" rel="noopener">standard EN 301549</a> (a direct implementation of an existing European standard). It’s aimed at preventing inaccessible products (hardware, software, websites and services) entering the government’s digital ecosystem. Yet the new standard seems to have achieved little. Few, if any, references to it appear in academic literature or the public web. It seems to have met a similar fate to the government’s <a href="https://www.governmentnews.com.au/national-transition-strategy-web-accessibility-in-transition/" target="_blank" rel="noopener">National Transition Strategy</a> for digital accessibility, which quietly disappeared in 2015. The carrot, not the stick Accessibility advocates take different approaches to advancing the accessibility agenda with reticent organisations. Some instil the fear of legal action, often citing the <a href="https://www.youtube.com/watch?v=A1RbzjUBT1s" target="_blank" rel="noopener">Maguire v SOCOG case</a>, where the 2000 Olympic website was found to be inaccessible. In a more recent example, the <a href="https://www.abc.net.au/news/2014-11-05/blind-woman-launches-court-action-against-coles-over-its-website/5869874?nw=0&r=HtmlFragment" target="_blank" rel="noopener">Manage v Coles settlement</a> saw Coles agree to make improvements to their website’s accessibility after being sued by a legally blind woman. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/463210/original/file-20220516-21-7tu89a.png?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/463210/original/file-20220516-21-7tu89a.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/463210/original/file-20220516-21-7tu89a.png?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=448&fit=crop&dpr=1 600w, https://images.theconversation.com/files/463210/original/file-20220516-21-7tu89a.png?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=448&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/463210/original/file-20220516-21-7tu89a.png?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=448&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/463210/original/file-20220516-21-7tu89a.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=563&fit=crop&dpr=1 754w, https://images.theconversation.com/files/463210/original/file-20220516-21-7tu89a.png?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=563&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/463210/original/file-20220516-21-7tu89a.png?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=563&fit=crop&dpr=3 2262w" alt="Screenshot of the top of Coles's 'accessibility' section on the company's website, with a red Coles logo on the top-left." /></a><figcaption>After getting sued by a legally blind customer in 2014, Coles made improvements to its website’s accessibility features. Screenshot/Coles</figcaption></figure> In the Coles case, the stick became the carrot; Coles went on to win a <a href="https://www.accessibility.org.au/award-winners-2019/" target="_blank" rel="noopener">national website accessibility award</a> after the original complainant nominated them following their remediation efforts. But while the financial impact of being sued might spur an organisation into action, it’s more likely to commit to genuine effort if this will generate a <a href="https://www.w3.org/WAI/business-case/" target="_blank" rel="noopener">positive return on investment</a>. Accessible by default We can attest to the common misconception that disability implies a need for help and support. Most people living with disability are seeking to live independently and with self-determination. To break the cycle of financial and social dependence frequently associated with the equity space, governments, corporations and educational institutions need to become accessible by default. The technologies and policies are all in place, ready to go. What is needed is leadership from government and non-government sectors to define digital accessibility as a right, and not a privilege. <img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/182432/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/scott-hollier-1337594" target="_blank" rel="noopener">Scott Hollier</a>, Adjunct Senior Lecturer - Science and Mathematics, <a href="https://theconversation.com/institutions/edith-cowan-university-720" target="_blank" rel="noopener">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/justin-brown-1344442" target="_blank" rel="noopener">Justin Brown</a>, Associate Dean (Teaching and Learning), School of Science, <a href="https://theconversation.com/institutions/edith-cowan-university-720" target="_blank" rel="noopener">Edith Cowan University</a> This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/digital-inequality-why-can-i-enter-your-building-but-your-website-shows-me-the-door-182432" target="_blank" rel="noopener">original article</a>. Image: Getty Images

Technology

7 savvy ways to grow your wealth

You don’t need to start with a fortune to grow wealth – but you do need good foundations on which to build. From where you get investment ideas to how you manage your taxes, it is the little things that add up to quickly grow wealth. Lay the groundwork with these easy-to-implement tips: 1. Start early The longer your investments have to grow, the more wealth you should accumulate. That’s thanks to a combination of value growth over time and the compound effect of reinvesting profits and dividends. So start investing now. Additionally, good habits formed early are more likely to become ingrained. 2. Create a savings and investments plan I hate the word ‘budget’ – it’s the financial equivalent of a diet. A savings and investments plan both sounds nicer and is more encompassing. This plan gives you visibility over your incomings and outgoings, your assets, and liabilities. Then you can determine if debts are being paid down as fast as possible and whether any surplus funds are being invested prudently. 3. Have an emergency fund This might seem counter-intuitive – squirrel money away that you could be used to invest and grow your wealth. But having available cash should disaster unexpectedly strike – such as redundancy, illness, even another pandemic – means you won’t have to sell assets to make ends meet. Forced sales may generate below fair value for a quick result or occur at a low point in the investment cycle. Plus, that asset and its growth potential are gone for good. 4. Reduce your tax bill No one likes paying taxes. Surprisingly, though, many people pay more than they need to. Avoid under-declaring your deductions: good record-keeping will help you claim your rightful deductions, such as for donations, investment expenses, business costs, and even financial advice fees. Embrace legitimate tax breaks: for instance, spousal super contributions and certain investment structures (like family trusts) can be used to cut your income tax or get taxed at a lower rate. Look at the calendar: Which financial year you sell an asset or claim a benefit can affect your tax liability. 5. Invest wisely A gung-ho approach to investing can be a costly mistake, so invest wisely. If something seems too good to be true, it probably is. Only invest what you can afford to lose – while the aim is for investments to grow in value, you shouldn’t be left destitute if things go pear-shaped. Have a clear exit strategy – know when and how you will sell to maximise your returns, keep costs down and minimise your tax on the profits. 6. Get good advice Your father, sister, friend, or hairdresser may mean well, but unless they are qualified to give advice, you could be making a mistake. Money matters are complicated and most people simply don’t know what they need to know. Plus, everyone’s circumstances are different – so what worked for dad, Julie, Tom, or Bev might not be beneficial for you. Just as you want medical advice from a doctor, seek advice about money from those qualified and registered to give it: your financial adviser, tax accountant, estates solicitor, and mortgage or insurance broker. Chances are the cost of that advice is far less than you stand to lose through an avoidable mistake. 7. Invest in you You are an asset that, when in tip top condition, can deliver a solid return on investment. Invest in education and training: gaining extra qualifications and skills allows you to boost your earning potential. Invest in your wellbeing: Good mental health equals wiser decision-making, better productivity, and hence more room to grow your income. Invest in your health: Good health means lower healthcare costs, fewer lost work hours and cheaper life and disability insurances. Not to mention a longer lifespan allows you to enjoy the fruits of your wealth-building efforts! Helen Baker is a licensed Australian financial adviser and author of the new book, On Your Own Two Feet: The Essential Guide to Financial Independence for all Women (Ventura Press, $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at www.onyourowntwofeet.com.au Image: Shutterstock

Money & Banking

Cheaper in Oz: One Kiwi shopper’s savvy way to save on groceries

A New Zealand woman has shared the unusual way that she saved 35 percent on her usual grocery bill - and it involves and it even comes with free shipping. The woman, who asked not to be identified, told the <a href="https://www.nzherald.co.nz/lifestyle/kiwi-shopper-saves-35-per-cent-ordering-groceries-from-australia/BL3RATPOZGLJQASWDRVY3DC4O4/" target="_blank" rel="noopener">NZ Herald</a> that purchasing her usual groceries from Australia and shipping them to New Zealand ended up being significantly cheaper than shopping at her local supermarket. The Otago woman ordered 13 items from the neighbouring country, including pasta, nuts, dried fruit, rolled oats, toothbrushes, shampoo and hair dye, via Amazon. She told the publication she received her goods within five days, having paid just $AUD 93.30 ($NZD 100.59). “I only bought items that were included in a free shipping promotion, so I wasn’t charged for shipping. According to the receipt, shipping would have added $15,” she said. When she compared prices using the Countdown online shopping app, she found that the same items would have cost her an upwards of $30 more, totalling $NZD 139.96 ($AUD 129.82). She found the best deal was on toothpaste, which she paid $AUD 2.50 ($NZD2.69) for. “All the items were long-shelf life items. I don’t think ordering from Australia would work for fresh food,” she said. Though she made a significant saving, the savvy shopper says she might not repeat her “crazy little experiment” due to the carbon footprint that came with it. Image: Getty Images

Money & Banking

Model drops over $100,000 on digital home

A supermodel has joined the growing number of celebrities buying digital property in the metaverse. Sara Sampaio, a former model for Sports Illustrated and Victoria’s Secret, <a href="https://www.domain.com.au/news/supermodel-drops-110000-on-digital-island-in-the-metaverse-1119732/" target="_blank" rel="noopener">has bought</a> a digital island getaway for a hefty price in The Sandbox metaverse. According to The Sandbox’s <a href="https://sandboxgame.gitbook.io/the-sandbox/" target="_blank" rel="noopener">website</a>, it is a “community-driven”, online platform where people can monetise games, art, and other digital assets to generate a passive income. In order to create these assets and earn money, people buy a piece of digital real estate in the online world using a digital currency called Ethereum (ETH). Sampaio paid 25 ETH for the non-tangible asset, which is equivalent to almost $110,000. <img src="https://oversixtydev.blob.core.windows.net/media/2022/02/metaverse-home.jpg" alt="" width="1396" height="785" /> Sara Sampaio bought a digital island getaway in The Sandbox metaverse. Image: Exclusible Her new property was sold through the website <a href="https://exclusible.com/Exclusible/Exclusible-Private-Islands" target="_blank" rel="noopener">Exclusible</a>, which describes itself as a “premium, curated NFT website”. Sampaio’s island was one of 25 offered on the site’s exclusive archipelago, which is said to be close to rapper Snoop Dogg’s digital property that is also found in The Sandbox’s version of the metaverse. Although Sampaio spent a relatively small amount considering her million-dollar status, her latest investment comes after she made a loss on her (real-world) three-bedroom apartment in Manhattan. Having spent $3.65 million on the flat in the fashionable area of East Village, Sampaio went on to sell it for a loss of $150,000. Image: @sarasampaio (Instagram) / Exclusible

Real Estate

‘You can’t stop it’: in rural Australia, digital coercive control can be inescapable

Domestic and family violence perpetrators commonly use technology such as phones and other devices as a weapon to control and entrap victims and survivors, alongside other forms of abuse. This “<a href="https://academic.oup.com/bjc/article/59/3/530/5172990?login=true" target="_blank" rel="noopener">digital coercive control</a>” is not bound to a particular location and can follow targets anywhere, any time they access devices or digital media.For women outside urban Australia, technology-enabled abuse can pose more risk than for those in cities. In research funded by the <a href="https://www.aic.gov.au" target="_blank" rel="noopener">Australian Institute of Criminology</a>, we spoke to <a href="https://doi.org/10.52922/ti78405" target="_blank" rel="noopener">13 such women who have been subjected to digital coercive control</a> to understand what it is like.The disturbing side of technology<blockquote>… you see a side of a phone that you probably wish you didn’t know about [Shelly]</blockquote>The women reported that abusers used technology to harass and stalk. The majority experienced image-based sexual abuse (the creation and/or release of intimate images without consent) or recordings made of victims or survivors, overtly or covertly.Some experienced doxxing (release of personal and identifiable information). Perpetrators in some cases impersonated real or fake people and initiated contact with women or their children. Authorised functions of phones and other devices and accounts were sometimes impaired, or unauthorised functions enabled.<blockquote>I think you can feel a lot safer knowing they are not in proximity; they can’t hurt me. When it comes to technology it can – I guess you’re more hyper-vigilant because they can come any time and you can’t stop it. Even if you block someone, they find another way. They do; he always found other means to make contact with me. I never – I guess you never got to escape, which I hadn’t experienced before, because every other type of abuse I was able to – it ended at some point. [Kira]</blockquote>It is different outside the citiesThese behaviours have also been observed in <a href="https://accan.org.au/Domestic%20Violence%20and%20Communication%20Technology%20final%20report%2020190801.pdf" target="_blank" rel="noopener">urban settings in Australia</a>. Also, like in cities, we found that violence persisted (and often increased) after separation.However, women outside cities face higher barriers when seeking help and responding to family violence, and they can also be at greater risk.Domestic violence agencies are further from women’s homes in non-urban areas, as we have observed in this study and in <a href="https://eprints.qut.edu.au/104420/13/Landscapes%2Bof%2BViolence%2BCW%2Bedit%2BFINAL.pdf" target="_blank" rel="noopener">other work</a>. Legal services can be limited and there are shortages in alternative and crisis accommodation.Complicated financial arrangements and pressures may hinder women’s ability to exit violent relationships, such as where they work on farms or other small businesses and there may be few employment and educational opportunities in the region.No anonymityNumerous survivors spoke of the lack of anonymity in rural areas, so they and/or their abusers were more likely to be known when disclosing and reporting violence. This can be confronting, especially when perpetrators are well-known and well liked.<blockquote>He is established - he knows people and he’s well liked … he’s in a boys’ club and knows lots of people … whereas I don’t. [Fiona]</blockquote>This could be heightened for women with family and networks out of the region or overseas, culturally and linguistically diverse women, criminalised women, or those viewed as “different” outsiders.As well as actively destroying women’s social networks, abusers would challenge women’s accounts of abuse and attempt to gather allies, as Claire explains:<blockquote>He went around the streets telling people that I’m crazy … Because we’re in a small country town he was going in and out of shops … He affiliated himself with one of the local churches and got them on his side.</blockquote>Isolation and fearAbusers socially isolate women, and those in non-urban areas are often socially further from family, friends and support services than those urban areas. We found too, that some abusers sought to extend geographic isolation, by moving women to more remote locations.Technology could provide channels to communicate with others and to seek assistance and support. Natalie had “a good amount of friends” and so would be “on the phone, or I’d be texting, and that was my outlet for a crazy situation”. However, some women felt this was not always possible when devices had been taken over or were monitored by abusers.<blockquote>[I was] too scared to use it [technology]. I just couldn’t reach out to people … I didn’t want to use it just in case [Lola]</blockquote>Fear loomed large in women’s accounts of digital coercive control. All those we spoke to had contact with police.Some had positive encounters, most commonly with specialist (domestic and family violence liaison officers, who are less available in many rural areas) but more spoke of negative encounters. Women who were dissatisfied with police felt that officers were dismissive of digital coercive control.‘Homicide flags’We believe digital coercive control warrants attention. Coercive control, obsessive tendencies, stalking, and threats to kill or self-harm have all been noted as signals of fatal violence by <a href="https://www.courts.qld.gov.au/__data/assets/pdf_file/0003/586182/domestic-and-family-violence-death-review-and-advisory-board-annual-report-2017-18.pdf" target="_blank" rel="noopener">death review teams</a>.The women we interviewed reported all these behaviours. Non-fatal strangulation is another “homicide flag” and was reported by 46% of our participants.Firearm ownership and threats to use firearms also signal high risk. Firearm ownership is common on farms and in many rural areas.An assault can become a homicide in rural areas, because of the sheer distance between the site of an attack and a hospital or medic.It is imperative that we acknowledge and address how technology is used against survivors and the impact that technology-facilitated abuse has on women across landscapes. We must also recognise that women in rural locations face elevated risks, and that digital coercive control can provide evidence and signal risk of fatal violence.<hr />Pseudonyms have been used for the women quoted in this article.The National Sexual Assault, Family & Domestic Violence Counselling Line – <a href="https://www.1800respect.org.au" target="_blank" rel="noopener">1800 RESPECT</a> (1800 737 732) – is available 24 hours a day, seven days a week for any Australian who has experienced, or is at risk of, family and domestic violence and/or sexual assault.<img style="border: none !important;margin: 0 !important;max-height: 1px !important;max-width: 1px !important;min-height: 1px !important;min-width: 1px !important;padding: 0 !important" src="https://counter.theconversation.com/content/176980/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><a href="https://theconversation.com/profiles/bridget-harris-547362" target="_blank" rel="noopener">Bridget Harris</a>, Associate professor, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847" target="_blank" rel="noopener">Queensland University of Technology</a> and <a href="https://theconversation.com/profiles/delanie-woodlock-1287646" target="_blank" rel="noopener">Delanie Woodlock</a>, , <a href="https://theconversation.com/institutions/unsw-sydney-1414" target="_blank" rel="noopener">UNSW Sydney</a>This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/you-cant-stop-it-in-rural-australia-digital-coercive-control-can-be-inescapable-176980" target="_blank" rel="noopener">original article</a>.Image: Getty Images

Technology

How to organise your digital clutter

Getting your digital clutter under control The days of bursting file cabinets and desks buried under paper may be behind us, but that doesn’t mean our 21st-century lives are any more organised. With wireless technology integrated into our daily routines, many of us have simply traded paper clutter for digital disarray. You might take it for granted, but it’s there: Your overflowing inbox, that mess of files on your desktop screen, and those alerts that your phone’s storage is at capacity. The shift from working in the office to remotely from home during the pandemic has blurred the division of personal and business files even further, making organisation that much more of a challenge. “When one of the digital areas of our life is getting full, it can feel overwhelming,” says productivity coach Clare Kumar. Here’s a step-by-step guide to getting that digital clutter under control. Set aside time for a digital clean-up Don’t expect to clean up your digital clutter at the end of a workday when you’re already feeling fatigued. It’s best to schedule this task for a day that you’ll have the time and energy to complete it, just as you might set aside a day for spring-cleaning your house. “As with any organising project, it takes some mental energy, strategic thinking and planning,” says Kumar. It’s also important to tune into how satisfied you feel after doing a bit organising – that will motivate you to keep going. If you find that a periodic mass clean-up of your devices is way too overwhelming, figure out what frequency works for you. Like putting your clothes away at the end of the day, it might feel easier to delete unwanted photos right after you take them. Expert tip: Think about organising your digital clutter from a legacy point of view. Your next of kin needs to be aware of what you own – passwords, finances, legal documents – and where these files are located in case of an emergency. Establish priorities for what you want to keep - or delete According to Kumar, the first thing to do when you’re setting out to organise all your files, whether they’re online banking statements or videos from your last holiday, is to think about what’s important to you. In the same way that you would sort through physical clutter in a room – think junk drawers, old magazines, day-old dishes – imagine it’s your spam emails and outdated documents that are taking up precious space in your digital environment. “You do want to be intentional about this because it’s quite abstract,” she says. The key questions to ask yourself are: What files do you want to keep and how do you want to use them? For example, if your passion is photography, you’ll want to make sure that you have enough room on your devices to store photos, and an organisational strategy to find them again. Expert tip: Start by dividing all the files across your devices that you want to organise into broad categories like photos, work and taxes. Choose the right storage option Chances are, you’ve received a warning from at least one of your smart devices that you’re dangerously close to reaching your storage limit. Luckily, there are a number of different digital storage options you can tap to transfer those files from your device. These options can be divided into two broad categories: physical storage devices (like USB flash drives or external hard drives) that plug into your device, and cloud-based storage (like Dropbox and Microsoft OneDrive) that are accessed online and store your files on a remote server. When might you choose one over the other? Well, it depends on what types of files you’re storing, how large they are and how you want to access them in the future. For example, if you’re storing digital photo files you’d like to share with family members, a cloud-based storage would be better because it allows multiple users shared access to the same documents. While it might be tempting to save all your files into a single location, Kumar notes that there’s nothing wrong with using several options – provided they make not only storage but also retrieval as effortless as possible. “My iPhone is backed up to iCloud because that’s natural in that environment, and I use Google Drive because my Gmail’s backed up within that,” she says. Expert tip: Don’t forget to factor in legal requirements for work-related files that might need to be held in more secure storage. Create an organising system that makes sense to you It’s certainly easier in the moment to leave digital files with their automatically-generated file names, but being more deliberate with your labelling pays off in the long run. If you’re looking for a cherished family photo from a few holidays back, you’ll have an easier time finding it under the file name “family-holiday-fiji-july-2019.jpg” versus “10077892.jpg.” “The sole purpose of organisation is to help you find it later,” says Kumar. “You’re paying yourself forward whenever you create a file name that is going to be easy to find.” There are two aspects to this – how you find things and the way that you name things. File hierarchies can become complex and maze-like the more levels you add, so it’s best to keep things as simple as possible. For example, nesting your photo in the folders “Photos – > 2021 – > March” will make them a breeze to track down later. If you’re a more visual person, apply that to your organising strategy. Love downloading apps on your phone but not how they clutter the home screen? Group them together by colour. “Put only as much structure as you need, and not more,” advises Kumar. The same rule applies to naming files – make it as easy as possible for your brain. Expert tip: When naming files, start with the date and then topic like “yyyy-mm-dd-taxes.” That will allow you to sort files chronologically so you can always see the oldest or the most recent. Take advantage of organising apps There are plenty of different apps on the market that are designed to help with digital decluttering. For those who want to get their inbox and email subscriptions under control, Kumar recommends Unroll.Me for your smartphone. The tool allows you to easily unsubscribe from unwanted emails or combine your favourite subscriptions into a single email. If you find yourself keeping multiple tabs open day after day, the browser extension OneTab consolidates them into a single list to save your device’s memory (and your time). To scrub your social media accounts of old – and possibly embarrassing – posts, you can often delete or archive within the app. Expert tip: If you’ve hit an all-time high number of emails in your inbox, it might be time for a clean sweep. “I highly recommend saving emails that really matter from a sentimental or a business documentation point of view, and then you can do mass delete by time,” says Kumar. Schedule regular decluttering in your routine Kumar recommends checking in on all your devices and files on a quarterly basis. At the minimum, do a yearly audit of the storage you’re using. You could be missing out on a new app that’s more efficient or realise that your storage solution is outdated (or even full). If you still have some old documents on outdated technology like floppy disks, it might be time to think about transferring them to a more reliable supported location before they’re permanently lost. You can still copy data over to a modern computer using an external or internal floppy drive, but technology may have evolved to a point where certain old file formats can no longer be read. “There’s a window when the services are fairly affordable to convert those things and it’s worthwhile jumping on before it becomes a really exclusive and expensive service,” says Kumar. Expert tip: Kumar recommends reading The Organised Mind: Thinking Straight in the Age of Information Overload by Daniel J. Levitin for a neuroscientist’s take on how to navigate all the data we consume. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/true-stories-lifestyle/science-technology/how-to-organise-your-digital-clutter">Reader's Digest</a>.

Technology

Digital toys for kids you don’t have to feel guilty about

Guilt has perhaps always been part of selecting and giving gifts for children. However, in 2021, after two years of increased screen time for children thanks to COVID, parents may be experiencing even more uncertainty around what to buy. But what if the power of play could counter some of these fears? The <a href="https://publications.aap.org/pediatrics/article/142/3/e20182058/38649/The-Power-of-Play-A-Pediatric-Role-in-Enhancing?autologincheck=redirected">importance of play</a> is well recognised. Play holds developmental <a href="https://www.youtube.com/watch?v=wuu59E97igU">power</a> to facilitate communication, increase personal strengths, foster emotional well-being and enhance social relationships. This can be true of digital gifts as well as more traditional presents. Here are some ideas for screen-based toys that are good for both a child’s development and easing parental guilt. <h2>Screen time – is there such a thing as too much?</h2> Firstly, let’s address the key concern many parents have: can too much screen time harm a child’s development? The answer lies in knowing and balancing the risks and benefits of screen time. A recent University of Colorado Boulder <a href="https://theconversation.com/kids-and-their-computers-several-hours-a-day-of-screen-time-is-ok-study-suggests-168022">study</a> of nine and ten year-olds found even when kids spend five hours a day on screens, “it doesn’t appear to be harmful”. The study also suggests screen time can improve social relationships. "While parents should make sure their children are using screens in appropriate ways, our early research suggests lengthy time on screen is not likely to yield dire consequences." Research also indicates the <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/s12966-019-0881-7">type of screen time</a> is important. This suggests active engagement (such as playing a game or doing an activity) may be beneficial, whereas prolonged periods of passive screen time (such as watching TV or YouTube) could be detrimental. There are <a href="https://www.who.int/publications/i/item/9789240015128">international</a> and <a href="https://www.health.gov.au/health-topics/physical-activity-and-exercise/physical-activity-and-exercise-guidelines-for-all-australians#summary-by-age">Australian</a> recommendations on how much screen time is suitable for children, which vary depending on age. Guidelines also advise negotiating clear boundaries for screen time, limiting sedentary screen time, and incorporating <a href="https://raisingchildren.net.au/preschoolers/play-learning/screen-time-healthy-screen-use/screen-time-physical-activity">physical activity</a> and <a href="https://raisingchildren.net.au/preschoolers/play-learning/screen-time-healthy-screen-use/shared-screen-time">social relationships</a>. For children, this may mean sharing a family device, having clear boundaries about usage and a parent supervising. Ultimately, screens are a part of modern life – children need to learn how to navigate them. Modelling <a href="https://raisingchildren.net.au/babies/family-life/family-media-entertainment/parent-technology-use">healthy screen time</a> as well as selecting developmentally appropriate digital toys or platforms for play are two ways parents can assist children in developing a healthy relationship with screen time. <h2>Digital toys across age groups</h2> Babies and toddlers Video-chatting is <a href="https://raisingchildren.net.au/babies/play-learning/media-technology/healthy-screen-time-0-2-years">the only</a> recommended form of screen time for babies and toddlers. Digital devices and apps may assist parents when used together with their baby or toddler, to maintain relationships with friends and family. Apps on a parent’s device, such as <a href="https://apps.apple.com/au/app/baby-karaoke/id426373998">Baby Karaoke</a> can help parents to <a href="https://raisingchildren.net.au/guides/baby-karaoke">remember </a>and sing along to nursery rhymes and children’s songs. Joining together with your child in playful rhythm and rhyme time in the <a href="https://raisingchildren.net.au/guides/first-1000-days">first 1,000 days</a> supports many aspects of brain development. Pre-schoolers (3-5 years) Screen time, when supervised by a parent and part of a balanced <a href="https://raisingchildren.net.au/toddlers/play-learning/screen-time-media/healthy-screen-time-2-5-years">healthy</a> family lifestyle, can support children’s developing imagination, creativity, and storytelling. Apps and digital games like <a href="https://www.playosmo.com/en/">Osmo</a>, where players use objects in the real world to interact with the digital world on their device, can develop communication, social and problem-solving skills. School-age (5-9 years) Apps and digital games that support learning, social skills and creativity are <a href="https://raisingchildren.net.au/school-age/play-media-technology/media/good-apps-games-movies-school-age">recommended for school-age</a> children. App ideas include <a href="https://freeappsforme.com/stop-motion-apps/">Stop Motion</a>, where children use physical toys such as Lego minifigures or plasticine models to create short animated movies. <a href="https://khankids.zendesk.com/hc/en-us/articles/360004559231-Welcome-to-Khan-Academy-Kids">Khan Academy for Kids</a> allows children to read books, create and draw, solve puzzles and play games that promote social skills. Pre-teens (9-12 years) Pre-teens may be starting to conduct a significant part of their <a href="https://raisingchildren.net.au/pre-teens/entertainment-technology/digital-life/screen-time-social-life">social life</a> online. Supporting their developing sense of <a href="https://raisingchildren.net.au/pre-teens/entertainment-technology/digital-life/digital-citizenship">digital citizenship</a> is a crucial step and should be considered when choosing digital gifts. So, digital games that promote learning, hold positive messages, and allow for a sense of achievement are <a href="https://raisingchildren.net.au/pre-teens/entertainment-technology/gaming-gambling/video-games-apps">recommended for pre-teens</a>. As a parent of two pre-teens, Kate shares that two current favourite apps in her house are the drawing/art app <a href="https://procreate.art/">Procreate</a> and the meditation, ambient sounds and bedtime stories app <a href="https://www.calm.com/">Calm</a>. Other ideas include learning a new skill like a musical instrument with apps like <a href="https://www.joytunes.com/simply-piano">Simply Piano</a> or <a href="https://simplyguitar.joytunes.com/">Simply Guitar</a>. <a href="https://www.warnerbros.com/games-and-apps/heads">Heads Up!</a> allows you to play charades online, while popular video game <a href="https://www.commonsensemedia.org/app-reviews/minecraft">Minecraft</a> promotes creativity. Finally, work together as a family to remember, preserve and write family stories using <a href="https://storycorps.org/">Story Corps</a>. Teenagers (13-18 years) Screen time can be included in the <a href="https://raisingchildren.net.au/teens/entertainment-technology/screen-time-healthy-screen-use/healthy-screen-time-teens">healthy lifestyle</a> of teenagers. Digital activities that foster interests and hobbies, and enhance social connections are an important consideration for development, health, and well-being. As a parent of a teenager, Judi shares that the current favourite at her house is the virtual reality headset <a href="https://www.oculus.com/">Oculus Quest 2</a>, which enables social connection through <a href="https://hello.vrchat.com/">VRChat</a>, <a href="https://altvr.com/">Altspace</a> and meditation with <a href="https://www.tripp.com/">TRIPP</a> and <a href="https://www.oculus.com/experiences/quest/2616537008386430/">Nature Treks </a>. Other ideas include getting out in nature for a family treasure hunt adventure using <a href="https://www.geocaching.com/play">Geocaching </a>. Or host a trivia party with family or friends using <a href="https://www.sporcle.com/groups/topics/766d10e0f72b">Sporcle</a>. Games like <a href="https://www.spore.com/">Spore</a> allow players to design their own species by evolving microscopic organisms into their own creations. <h2>What to bear in mind</h2> If you’re doing your own searches, use terms like “creative apps for preschoolers” and use a review site like <a href="https://www.commonsensemedia.org/">Common Sense Media</a> to check your choice. And consider physically active screen time choices. Examples include the <a href="https://www.nintendo.com.au/nintendo-switch-family/switch">Nintendo Switch</a> that promote <a href="https://www.thegamer.com/10-games-like-ring-fit-adventure-on-the-nintendo-switch/">physical activity</a> such as dancing (<a href="https://www.ubisoft.com/en-au/game/just-dance/2022">Just Dance</a>) or real-life exercises, including jogging and yoga (<a href="https://www.nintendo.com.au/games/nintendo-switch/ring-fit-adventure">Ring Fit Adventure</a>). There is also virtual reality, which enables enjoyment, exploration and experiencing through multi-modes including movement (<a href="https://www.oculus.com/experiences/rift/1304877726278670/">Beat Saber</a>), art-making (<a href="https://www.oculus.com/experiences/quest/2322529091093901?ranking_trace=0_2322529091093901_QUESTSEARCH_85b10f4f-d9f3-44a1-b964-47c4da2e9cb8">Tilt Brush</a>), and immersive experiences (<a href="https://www.oculus.com/experiences/quest/2078376005587859?ranking_trace=0_2078376005587859_QUESTSEARCH_f4176e13-59ec-45c0-9b14-21117290e72b">Wander</a>). So, pause for a moment when considering digital gifts for children and ask yourself three things: 1) Is there a physical component? 2) Will this gift be used together within a relationship? 3) What is the play value? Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/digital-toys-for-kids-you-dont-have-to-feel-guilty-about-172612">The Conversation</a>.

Technology

Overhaul of payments system to cover digital wallets, buy now pay later, cryptocurrency

Treasurer Josh Frydenberg will announce on Wednesday a comprehensive reform of regulations governing the payments system, to bring it up to date with innovations such as digital wallets and cryptocurrency. The government says without the changes – the biggest in 25 years – Australians businesses and consumers could increasingly be making transactions in spaces beyond the full reach of Australian law, where rules were determined by foreign governments and multinationals. It points out that in three decades payment methods have gone from cash to cheques, cheques to credit cards, credit cards to debit cards and now to “tap and go” via digital wallets on phones or watches. Around a decade ago, cryptocurrency was a concept. Currently, there are more than 220 million participants in the worldwide crypto market, including many in Australia. The planned reforms will centralise oversight of the payment system by ensuring government plays a greater leadership role. The treasurer will be given more power to intervene in certain circumstances. Consumer protection will be strengthened, and more competition and innovation will be promoted. The reform program will be in two phases. There will be consultations in the first half of next year on those that are most urgent and easy to implement. Consultations on the rest will be done by the end of the year. The government says the present one-size-fits-all licensing framework for payment service providers will be replaced graduated, risk-based regulatory requirements. There will be consideration of the feasibility of a retail central bank digital currency, and an examination of “de-banking” (where a bank declines to offer a service to a business or individual). Frydenberg says the comprehensive payments and crypto asset reform program would “firmly place Australia among a handful of lead countries in the world. "It is how we will capitalise on the opportunity for Australia to lead the world in this emerging and fast-growing area which has almost endless potential applications across the economy,” he says. “For businesses, these reforms will address the ambiguity that can exist about the regulatory and tax treatment of crypto assets and new payment methods. "In doing so, it will drive even more consumer interest, facilitate even more new entrants and enable even more innovation to take place. "For consumers, these changes will establish a regulatory framework to underpin their growing use of crypto assets and clarify the treatment of new payment methods.”<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important; text-shadow: none !important;" src="https://counter.theconversation.com/content/173331/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/michelle-grattan-20316">Michelle Grattan</a>, Professorial Fellow, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/overhaul-of-payments-system-to-cover-digital-wallets-buy-now-pay-later-cryptocurrency-173331">original article</a>. Image: Shutterstock

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