In the growing and dynamic economy of nineteenth-century America, businesses sold vast quantities of goods to one another, mostly on credit. This book explains how business people solved the problem of whom to trust--how they determined who was deserving of credit, and for how much. In the process, a business system based largely on information circulating through personal networks became dependent on more formalized methods and institutions. First to appear in the 1830s was the credit reporting agency, whose pioneers included the abolitionist Lewis Tappan, and businessmen John Bradstreet and Robert G. Dun (whose firms merged in 1933 to form Dun & Bradstreet). Later, groups of business creditors formed interchanges and bureaus to share information on their customers' payment records. In 1896, the National Association of Credit Men was established, and by 1920, credit men had established both a national credit information clearinghouse and a bureau for American exporters.
These developments forced American businesses, large and small, to make their financial situations more transparent to creditors and credit reporting firms. Rowena Olegario traces the way resistance, mutual suspicion, skepticism, and legal challenges were overcome in the relentless quest to make information on business borrowers more accurate and available.
Reimagining transparency and secrecy in the era of digital data
When total data surveillance delimits agency and revelations of political wrongdoing fail to have consequences, is transparency the social panacea liberal democracies purport it to be? This book sets forth the provocative argument that progressive social goals would be better served by a radical form of secrecy, at least while state and corporate forces hold an asymmetrical advantage over the less powerful in data control. Clare Birchall asks: How might transparency actually serve agendas that are far from transparent? Can we imagine a secrecy that could act in the service of, rather than against, a progressive politics?
To move beyond atomizing calls for privacy and to interrupt the perennial tension between state security and the public’s right to know, Birchall adapts Édouard Glissant’s thinking to propose a digital “right to opacity.” As a crucial element of radical secrecy, she argues, this would eventually give rise to a “postsecret” society, offering an understanding and experience of the political that is free from the false choice between secrecy and transparency. She grounds her arresting story in case studies including the varied presidential styles of George W. Bush, Barack Obama, and Donald Trump; the Snowden revelations; conspiracy theories espoused or endorsed by Trump; WikiLeaks and guerrilla transparency; and the opening of the state through data portals.
Postsecrecy is the necessary condition for imagining, finally, an alternative vision of “the good,” of equality, as neither shaped by neoliberal incarnations of transparency nor undermined by secret state surveillance. Not least, postsecrecy reimagines collective resistance in the era of digital data.
In this collection leading anthropologists reveal the variations and commonalities in conspiratorial thinking or occult cosmologies around the globe—in Korea, Tanzania, Mozambique, New York City, Indonesia, Mongolia, Nigeria, and Orange County, California. The contributors chronicle how people express profound suspicions of the United Nations, the state, political parties, police, courts, international financial institutions, banks, traders and shopkeepers, media, churches, intellectuals, and the wealthy. Rather than focusing on the veracity of these convictions, Transparency and Conspiracy investigates who believes what and why. It makes a compelling argument against the dismissal of conspiracy theories and occult cosmologies as antimodern, irrational oversimplifications, showing how these beliefs render the world more complex by calling attention to its contradictions and proposing alternative ways of understanding it.
Contributors. Misty Bastian, Karen McCarthy Brown, Jean Comaroff, John Comaroff, Susan Harding, Daniel Hellinger, Caroline Humphrey, Laurel Kendall, Todd Sanders, Albert Schrauwers, Kathleen Stewart, Harry G. West
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