Reference entries (20)
- reference Durable member edge has shifted from headline sold price to the deeper structured layer (relisting chains, sub-market absorption, list-vs-sold spreads, off-market, ListTrac analytics)
- research-notes Gaps: information-asymmetry decision-edge brief (June 2026) — designated next-pass research
- reference Caveats: information-asymmetry decision-edge brief (June 2026) — vendor-recycled magnitudes + modeled projections
- reference Tesco / Computing on dunnhumby sale — "Using CRM data from loyalty cards is now common practice rather than the unique differentiator that it once used to be"
- reference PMC peer-reviewed — excluding alternative data led to "a significant decline in model performance" (PMC11108212)
- reference J-PAL Agarwal et al. 2019 India — mobile / social-footprint ML predicts loan defaults more effectively than credit-only models
- reference IFC / World Bank — "Cracking the Credit Code: Alternative Data and AI for Financial Inclusion" (2026)
- reference NBER WP 29840 (Di Maggio, Ratnadiwakara, Carmichael, 2022) — "Invisible Primes: Fintech Lending with Alternative Data"
- reference Progressive — pricing accuracy framed as individuals vs actuarial class ("customers want to be treated as individuals — not as members of an actuarial class")
- reference Progressive CIO Ray Voelker — Snapshot "given us access to segments of the auto insurance markets that we normally did not attract"
- reference Progressive Snapshot — first UBI ("Autograph") 1996; modern Snapshot 2010; surcharge capability 2014
- reference Lord MacLaurin epigraph — "you know more about my customers after three months than I know after 30 years" (Tesco Clubcard, 1994)
- reference Tesco Clubcard — overtook Sainsbury's in 1995 within a year of launch; helped double grocery market share within ~3 years
- reference Tesco Clubcard 1994 trial — 9-14 stores over 3 months, >50 million transactions; dunnhumby analysed ~10pct sample
- reference American Airlines yield management — $1.4B over 3 years, ~5-7pct incremental revenue, Franz Edelman Award 1991 (Smith Leimkuhler Darrow, Interfaces 1992)
- reference Synthesis: the five inward decisions a proprietary information advantage actually changes
- reference Levin (Stanford) — making private information public unambiguously improves trade; the edge erodes as data diffuses
- reference Akerlof 1970 — "The Market for Lemons"; asymmetric information can collapse markets (Nobel 2001)
- reference Stigler 1961 — "The Economics of Information"; costly search produces price dispersion (JPE 69:213-225)
- research-notes Research notes (capture-layer): the affirmative, inward decision-edge case for data intelligence — information asymmetry applied to pricing, demand, risk, retention, targeting (June 2026)
