Gartner Research

Maverick* Research: Put Your Data in the Bank, Get Dividends

Published: 25 September 2014

ID: G00264262

Analyst(s): Svetlana Sicular


Abundant, valuable personal data is wealth in the digital economy. A personal data bank will keep deposited data and multiply its wealth through commercialized digital markets. (Maverick research deliberately exposes unconventional thinking and may not agree with Gartner's official positions.)

Table Of Contents


  • *Maverick Research
  • What Is a Personal Data Bank?
    • A Fresh Look at What a Bank Is
    • The Personal Data Bank and Its Functions
  • Who Are the Personal Data Bank Constituents?
    • Clients or Depositors — The Personal Data Owners
    • Buyers/Borrowers
    • Partners
    • Third Parties
  • Required Capabilities of the Personal Data Bank
  • Disruptive Effects of the PDB
    • Disrupted Business Models
    • Disrupted Marketing
    • Disrupted Social Media
    • Disrupted Financial Industry
    • Disrupted Healthcare
    • Disrupted Retail
    • Disrupted Telecommunications
  • Strengths
  • Weaknesses


  • Guidance for Potential PDBs
  • Guidance for People Who Might Use a PDB
  • Guidance for Organizations That Might Do Business With a PDB

The Details

  • Why Is the Personal Data Bank Inevitable?
    • Data Commoditization Is Happening
    • Personal Data Is Growing and Becoming More Visible
    • Personal Analytics Signifies the Shift to the Individual
    • Personal Data and Analytics Raise New Concerns
    • Privacy Is an Extraordinary Challenge
  • The Market Is Ready for the PDB
    • Organizations Are Ready
    • Customers Are Ready
    • Technologies Are Ready

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