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Surge-Your-Worth Economics

August 26, 2025

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Financial Express Chandigarh

Once upon a not-so-distant time, business was governed by a certain egalitarian clarity.

- M MUNEER

A price tag spoke the same truth to all who beheld it. Whether you were a maidservant or an investment banker, the fare for your journey, the cost of your tea, or the value of your bread bore no reflection of your identity. Pricing stood as an impartial arbiter between value and exchange.

That familiar world is vanishing.

Consider this real-life incident: two travelers, seated in economy class on the same flight, departing as scheduled, both with the same benefits on their tickets, booked via the same platform, yet one paid almost twice what the other did. What changed? The divergence lies solely in the traveler's digital footprint—her browsing patterns, hour of purchase, postcode, the number of times she returned to check prices, and whether she booked during a moment of urgency or calm. The algorithm saw her, understood her, assessed her likely ceiling, and charged accordingly.

This is no evolution of yield management but a quiet revolution in digital economics, where traditional market dynamics are eclipsed by a more intimate, if not insidious, metric: you. It isn't about preferences but psychology. And not simply your history, but your hesitation.

Witness the rise of hyper-personalized pricing: A system in which artificial intelligence (AI) doesn't just respond to consumer demand but actively anticipates and shapes it. It watches, it learns, it infers, and then it monetizes, not based on cost or value but based on your willingness to yield. You are no longer a participant in the market; you are its measure.

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