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For most insurers, business intelligence means point solutions at best. But those carriers that weave analytics into the fabric of their organizations are equipped to drive more precision in pricing and greater profitability to the bottom line. For businesses that run on the analysis of information, insurers have proven notably reluctant to apply business intelligence (BI) and analytic technologies to risk management at both the corporate strategic level and in the front lines of underwriting. For a variety of reasons, enterprise risk management (ERM) solutions have been talked about far more than implemented, and BI and predictive analytics generally have been applied haphazardly or piecemeal, if at all. The financial crisis, however, has heightened interest in risk management technologies, owing to senior executives' fears of disastrous overexposure to risk. Their concerns are legitimate, but for insurance more than any other financial services sector, risk also is opportunity, and BI should be utilized more as a competitive weapon than a defensive shield. As insurance has become commoditized and investment returns have become less reliable, carriers' ability to more precisely analyze and underwrite risks can be a key source of competitive differentiation.

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"Web users are not yet deleting Flash cookies as often as they shed more traditional cookies, but that doesn't mean it's a good idea to use Flash technology to track consumers online. That's according to a new report commissioned by media audit company BPA Worldwide. The report, authored by analytics expert Eric Peterson, warns that the use of Flash cookies, also called "local shared objects," to override consumers' choices could invite new privacy laws. "With the attention given to consumer privacy on the Internet at both individual and governmental levels, we believe that companies making inappropriate or irresponsible use of the Flash technology are very likely asking for trouble, (and potentially putting the rest of the online industry at risk of additional government regulation)," writes Peterson, CEO and principal consultant at Web Analytics Demystified. "

Flash cookies may draw additional legislation for the online advertising industry.

"There's a known weakness in browsers which we wrote about in the book. Every time we talked with someone about it, they'd ask us why we didn't start a company that took advantage of the loophole, and the answer was, well, it's creepy. The loophole basically lets you see where else your visitors have been on the Internet. Well, it's now out in the open, in two forms: Beencounter, and Haveyourfriendsbeenthere. To be perfectly clear, the site won't show you everything your visitors surf-just whether or not they've been to a set of sites you define. Here's how it works:"

"Lora Bentley spoke with Anzen analysts Megan Brister and Jordan Prokopy via e-mail regarding behavioral advertising - what companies are doing, what regulators want to do and what we, as advertising consumers, need to know. With their coworker Miyo Yamashita, the analysts recently wrote a guest opinion for IT Business Edge. Bentley: Why are so many concerned about privacy when it comes to behavioral advertising? What is it about the Internet that convinces consumers that information they share there is not being used? Brister and Prokopy: Most concerns stem from the lack of transparency around data disclosure practices. While consumers may value a Web site's product and service offerings, they are generally unaware that businesses share their information with an extensive group of other businesses in order to deliver targeted advertising. This group includes news Web sites, advertising networks, profiling services, and Web analytics providers, to name a few. As Pamela Jones Harbour, a Commissioner at the Federal Trade Commission (FTC), discussed at the FTC Roundtable earlier this week, there is an asymmetry between consumer perceptions and business realities. Once consumers are informed of businesses' data handling practices, they will want to have more control over how businesses manage their information. As we discuss in our article, some businesses engaged in online behavioral advertising have been slow to adopt transparent consumer data management policies. This is a concern particularly for vulnerable groups, such as minors or non-English speaking consumers, because they may not understand legally written policies. Consumer advocacy groups argue that without knowledge and control over the collection, use, and disclosure of data, Web sites may misuse or expose sensitive data about consumers' health, lifestyles and finances."

In a world of increasingly savvy and inter-connected customers, an organization's approach to information privacy may offer precisely the competitive advantage needed to succeed. Privacy is essential to creating an environment that fosters trusting, long-term relationships with existing customers, while attracting opportunity and facilitating the development of new ones. Spend the morning with me and nine privacy leaders from major corporations: Intel; IBM; Sun Microsystems, Inc.; Microsoft; Facebook; HP; Privacy Analytics Inc.; Ontario Lottery and Gaming Corporation; Peratech Limited; and GS1 Canada as they present their latest innovations in Privacy-Enhancing Technologies (PETs). You will appreciate how "Privacy by Design" - embedding PETs into the architecture of new systems - protects privacy, without compromising performance or security - a positive-sum not zero-sum outcome.

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One of the more interesting panel discussions at the IDC Cloud Computing Forum on Feb 18th in San Francisco was about managing the complexities of security, privacy and compliance in the Cloud. The simple answer according to panelists Carolyn Lawson, CIO of California Public Utilities Commission, and Michael Mucha, CISO of Stanford Hospital and Clinics is "it ain't easy!" "Both of us, in government and in health, are on the front-lines," Lawson proclaimed. "Article 1 of the California Constitution guarantees an individual's right to privacy and if I violate that I've violated a public trust. That's a level of responsibility that most computer security people don't have to face. If I violate that trust I can end up in jail or hauled before the legislature," she said. "Of course, these days with the turmoil in the legislature, she joked, "the former may be preferable to the later." Stanford's Mucha said that his security infrastructure was built on a two-tiered approach using identity management and enterprise access control. Mucha said that the movement to computerize heath records nationwide was moving along in fits and starts, as shown by proposed systems likeMicrosoft (NSDQ: MSFT)'s Health Vault and Google (NSDQ: GOOG)'s Personal Health Record. "The key problem is who is going to pay for the computerized of health records. It's not as much of a problem at Stanford as it is at a lot of smaller hospitals, but it's still a huge problem." Mucha said that from his perspective security service providers in the cloud and elsewhere are dealing with a shrinking security parameter or fence, which is progressing from filing cabinets, to devices, to files, and finally to the individual, who under the latest Health Insurance Portability and Accountability Act (HIPAA) privacy rules has certain rights, including rights to access and amend their health information and to obtain a record of when and why their Protected Health Information (PHI) record has bee