Gaming The System: Ethical Dilemmas In Student Loan Management

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Gaming The System: Ethical Dilemmas In Student Loan Management

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A more holistic approach to the major ethical dilemmas facing today’s technology industry can help companies differentiate, preserve their reputations, and better prepare and protect for the future.

There is no doubt that the technology industry has achieved tremendous success. Its ubiquitous products and services power our digital society. Prolonged ubiquity, scale and influence, however, have forced the industry to confront many unexpected, difficult ethical dilemmas. These dilemmas are not necessarily created by the tech industry, but many in the industry find themselves at a “convergence point” where they can no longer leave these issues on the margins.

Because of the perceived power, lagging regulation, and absence of common industry practices of “big tech,” many consumers, investors, employees, and governments are demanding greater overall accountability from the industry. The tech industry is becoming more introspective, examining its own ethical principles and exploring how to better manage its size and authority. Regardless of who said it first, it is widely believed that the more power you have, the more responsibility you must exercise wisely. The technology industry is now being asked to do more in a growing number of areas. Without a holistic approach to these issues, technology companies will likely fail to address today’s biggest concerns and prepare for tomorrow.

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While these aren’t the only challenges, here are five areas of concern for the tech industry right now. Action is being taken, but is it enough?

Data use: According to the United Nations, 128 out of 194 countries currently have data protection and privacy laws in place.

This attention is due to multiple industry issues, including the misuse of consumer data and massive data breaches. Until clear and universal standards emerge, the industry continues to work on this dilemma. This includes making data privacy a core principle and competitive differentiator, such as Apple, which recently released an app tracking transparency feature.

Will companies simply do the minimum required to comply with data-related regulations, or will they go above and beyond to collect, use and protect data in a more equitable way for everyone?

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Environmental sustainability: There is a push for technology companies to go beyond what is required by law regarding environmental sustainability. There are those who challenge the industry for its energy use, supply chains that can be more efficient, production waste and water use in semiconductor fabrication. The good news is that technology companies have the power to create significant changes in the marketplace. Tech companies are the world’s biggest buyers of renewable energy and are working to run their massive data centers off of that energy

Some focus on promoting zero waste initiatives, improving recycling and circular economy policies. Cisco’s takeback and reuse program and Microsoft’s 2030 zero waste goal are examples.

Others work toward net-zero carbon through The Climate Pledge, led by Amazon, or private efforts, such as Apple’s pledge to be carbon-neutral across its businesses by 2030.

Trusted AI: The rapid deployment of AI in societal decision-making—from health care recommendations to hiring decisions and autonomous driving—has catalyzed an ongoing ethics conversation. It is increasingly important that AI-powered systems operate under principles that benefit society and avoid issues of bias, fairness, transparency and interpretability. To address these issues, we’ve seen tech industry players establish advisory panels, guide policies and sponsor academic programs.

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We have seen action beyond policy statements. Some major technology players have decided to stop supplying AI-powered facial recognition systems to police departments until there are clear guidelines or legislation in 2020.

As a result, we see an increasing likelihood of government action and regulation, such as the EU’s proposed artificial intelligence legislation and recent statements by the US Federal Trade Commission.

Threats to Truth: There are many people and groups using disinformation, disinformation, deepfake and data weapons to attack, manipulate and influence for personal gain or to sow chaos. To help solve this complex problem, tech companies have asked the government to pass regulations clearly outlining responsibilities and standards.

They are cooperating more with law enforcement and intelligence agencies, making public reports of their findings, and increasing overall vigilance and action.

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In addition, many companies have signed up to the EU’s Voluntary Code of Practice on Disinformation, which is currently being strengthened.

Physical and mental health: The technology industry can not only affect the physical and mental well-being of consumers who use and overuse its products and services, but also through direct involvement in health care, which has been accelerated by the pandemic.

We are still working to better understand the effects of technology on health, and there is a lot of research and debate going on.

While the impact of both is difficult and complex to measure, the tech industry has shown that it can improve health-related fields with wearable technology and telehealth for chronic disease monitoring, through better access to providers through sensors, devices and apps, and advanced analytics and AI. Improving diagnosis through

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Addressing these dilemmas is critically important, but what are tech industry leaders most concerned about right now? In a Deloitte survey of technology industry professionals, the vast majority found all dilemmas critical, but data privacy was seen as the most (Figure 1).

This focus may be due to the current regulatory landscape. The problem is more real for leaders and can affect their day-to-day operations. Other dilemmas may be seen to have more impact on their organization in the future or, more intensively.

These five dilemmas raise some significant ethical questions that tech companies should ask themselves: What are our responsibilities to the planet, the well-being of our users, the public good, truth, and social stability? How can we dramatically reduce our company culture and product bias? What applications of AI will we pursue? How do we interpret privacy as a fundamental human right?

Tech companies are starting to think

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