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Increasingly, they judge our character.

Upstart has over the last 15 months lent $135 million to people with mostly negligible credit ratings. Typically, they are recent graduates without mortgages, car payments or credit card settlements.

ZestFinance, is a former Google executive whose company writes loans to subprime borrowers through nonstandard data signals.

Next to the clicks on the links I share in social media, shares (or retweets) of my updates is the second most important metric I monitor (depending on what I am working on, it can be the most important metric). Isn’t that what we are all looking for? Shares by others give my posts and content an additional audience. Posts getting viral (meaning an endless number of people share our post) is the ultimate success in social media – or isn’t it?

One of the basic metrics to show success of a Blog, a Tweet or a Facebook post is the number of retweets or shares the post gets. If you want to grow in social media, you have to get yourself and your content in front of a larger audience. One legitimate way to achieve this success is to get your content shared by third parties. Otherwise you will always and forever be talking to yourself and already existing friends and family.

This isn’t the first time this has happened, that big data sets full of personal information – supposedly obscured, or de-identified, as the process is called – have been reverse engineered to reveal some or even all of the identities contained within. It makes you wonder: Is there really such a thing as a truly anonymous data set in the age of big data?

That might sound like a bore, but think about it this way: there’s more than taxi cab data at stake here. Pretty much everything you do on the Internet these days is a potential data set. And data has value. The posts you like on Facebook, your spending habits as tracked by Mint, the searches you make on Google – the argument goes that the social, economic and academic potential of sharing these immensely detailed so-called “high dimensional” data sets with third parties is too great to ignore.

University of Colorado Law School associate professor Paul Ohm’s 2009 paper on the topic made the bold claim that “data can be either useful or perfectly anonymous but never both.”

The expression "Big Brother" has become dated. Experts would seem to have reached consensus on the term "Big Data" to describe the new favorite topic of discussion in boardrooms, at conventions like Berlin's re:publica last week, and in a number of new books. Big Data promises both total control and the logical management of our future in all aspects of life.

New is the way companies, government agencies and scientists are now beginning to interpret and analyze their data resources. Because storage space costs almost nothing nowadays, computers, which are getting faster and faster, can link and correlate a wide variety of data around the clock. Algorithms are what create order from this chaos. They dig through, discovering previously unknown patterns and promptly revealing new relationships, insights and business models. Though the term Big Data means very little to most people, the power of algorithms is already everywhere. Credit card companies can quickly recognize unusual usage patterns, and hence automatically warn cardholders when large sums are suddenly being charged to their cards in places where they have never been. Energy companies use weather

According to official figures, since the Swedish capital Stockholm began using algorithms to manage traffic, drive times through the city's downtown area have been cut in half and emissions reduced by 10 percent. Online merchants have recently started using the analyses to optimize their selling strategies. The widespread phrase "Customers who bought this item also bought …" is only one example of the approach.

exponentially increases the power of assessment by increasing assessments, giving students a firsthand account of what they understand, and giving instructors the opportunity to intervene before a student falls behind. Assessment should mirror good instruction, happen continuously as part of instruction, and provide educators with information about students' level of understanding.

By reaching students at the exact moment they are trying to understand and requiring full comprehension before they move on, we can help prevent students from falling through the cracks later on in their education.

To accelerate their completion of remedial courses and stay on track to complete a certificate or degree program, students should take advantage of personalized learning technology that provides assistance outside of classroom time, such as online self-paced learning and assessment tools. These resources help students test their knowledge to determine areas of strength and struggle. Then, students can work at their own pace to master difficult concepts, and monitor their progress along the way.

INCIVILITY also hijacks workplace focus

According to a survey of more than 4,500 doctors, nurses and other hospital personnel, 71 percent tied disruptive behavior, such as abusive, condescending or insulting personal conduct, to medical errors, and 27 percent tied such behavior to patient deaths.

incivility miss information that is right in front of them. They are no longer able to process it as well or as efficiently as they would otherwise.

teachers are far more likely to use technology to make their own jobs easier and to supplement traditional instructional strategies than to put students in control of their own learning. Case study after case study describe a common pattern inside schools: A handful of "early adopters" embrace innovative uses of new technology, while their colleagues make incremental or no changes to what they already do.

numerous culprits

Washington-based International Society for Technology in Education

The key is to develop the capacity to move rapidly to reap the most benefit from influence, leverage and learning. Firms and other institutions need to cultivate the ability to participate in an expanding range of knowledge flows effectively. 

They must also find ways to effectively filter through this expanding range of knowledge flows to extract the insights and approaches that have the potential to create the most value. Finally, they also need to quickly turn around and apply these insights and approaches both within their organization and across a broader range of participants in the system. In sum, the winners will be those who master the techniques required for scalable learning.

These are proactive strategies of movement – designed to strengthen influence points by harnessing their learning potential. If done right, it creates a powerful virtuous cycle – more effective learning attracts others and expands influence which in turn increases the potential for further learning.  To borrow a favorite phrase from my colleague, John Seely Brown, we trigger a generative dance between position and movement that takes us to unforeseen levels of impact.

Use Your Towards Maturity Learning Landscape Audit to find out:Your staff's preferences for different types of learning resources or modes of deliveryTheir willingness to use their own technologies and to share their learning with othersHow actively they are using social media and apps in their day-to-day life and workWhat formal learning they are involved with - both inside and outside workTheir views on working online - what works, what doesn’t work, what they find most helpful and what gets in the wayA comparison of the key findings for different groups of staff – managers, job roles, age, experience, location and othersWhen is it useful to conduct a Learning Landscape Audit?When designing new learning and performance solutionsWhen you are setting strategy and agreeing long term business plansWhen allocating resourcesWhen making the business case for changeWhen you need to set a benchmark prior to introducing change

Collaboration requires a different way of working. It requires attitudes, values, goals, and practices that are based on interdependent work. Not silo-based work, not workflow-based work but all-together-in-one-melting-pot-based work.

3 Types of collaboration

the adoption or participation you're going to get on your intranet is directly related to the culture of collaboration that exists in the organisation. Having the right collaboration technology does play a part, but only as a sidekick to the culture of collaboration.