Ethics and Privacy
Based on a wealth of personal information
It threatens to become an intensely personal form of ''redlining''--the controversial practice of identifying and avoiding unprofitable neighborhoods or types of people.
New tiers are not only highly individualized but they are often invisible.
- You don't know when you're being directed to a different telephone queue or sales promotion. You don't hear about the benefits you're missing. You don't realize your power to negotiate with everyone from gate agents to bank employees is predetermined by the code that pops up next to your name on a computer screen.