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ANU Crawford School of Public Policy presents


Risky data: The combined effect of risk preference and negative framing on intended participation in the Consumer Data Right


Hosted by Tax and Transfer Policy Institute


20th August 2019


Miller Theatre Level 1, Old Canberra House, Building 73, Lennox Crossing, The ANU


Associate Professor Nicholas Biddle, The ANU



The Consumer Data Right (CDR), which was rolled out in Australia on 1 July 2019, aims to give Australian customers the right to access data about them held by businesses, and also to share this information with accredited and trusted third parties of their choice. This enhanced flow of information in the economy is designed to benefit consumers by improving their ability to compare and switch between products and services. The policy also aims to increase the effectiveness of relevant markets.

In this paper and presentation, we examine the effects of framing and behavioural preferences on the willingness to use the CDR. This analysis was conducted in two steps. First, we examine the pure effects of loss and gain framing on the willingness to use the CDR. In the second step, we examine the joint effects of framing and trust/behavioural preferences on the decision to use the CDR. We find significant effects for both positive and gain framing (compared to neutral framing) with the effects varying based on the person’s level of trust in government and risk preference. We conclude with implications for this particular policy initiative, as well as with policy interventions that involve significant risk of data privacy breaches.

Associate Professor Nicholas Biddle is a Fellow of the Tax and Transfer Policy Institute and Associate Director of the ANU Centre for Social Research and Methods. His research interests include the economics and demography of Indigenous populations (in Australia or abroad), the patterns and determinants of income inequality, and the economics of education, in particular early childhood education. He also researches the application of behavioral economics to public policy and social research methods. He has a Bachelor of Economics (Hons.) from the University of Sydney and a Master of Education from Monash University. Biddle also has a PhD in Public Policy from the ANU where he wrote his thesis on the benefits of and participation in the education of Indigenous Australians.

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