The COVID-19 pandemic accelerated the acceptance of digital banking services such as online payment and banking apps.As bank clients become more likely to use online services and contactless payment,the amount of cons...The COVID-19 pandemic accelerated the acceptance of digital banking services such as online payment and banking apps.As bank clients become more likely to use online services and contactless payment,the amount of consumer data available for banks’digitalization strategies has increased.This acceleration in digital banking has placed a spotlight on retail banks’efforts to protect personal data.Bank staff are on the frontlines of both protecting personal data and communicating their banks’efforts in this respect to maintain consumer trust.Our study aimed to answer the following question:How did the sudden increase in digitalization during the pandemic affect bank staff’s capabilities in protecting personal data?In a two-stage qualitative study,we collected empirical data on bank staff’s data protection efforts during accelerated digitalization.Analyzing our findings from the perspective of technological mediation theory,which focuses on the relationships between technologies,practices,and social arrangements,we found that in banking platformization,bank staff are disempowered in supporting clients,who are responsibilized for protecting themselves from fraud.Competitive pressures push retail banks into using client data in ways beyond sector norms,endangering the contextual integrity of data flows.Further,our findings show that digitalization presents bank clients with new risks,of which they are informed only after changing their banking practices,and it may be difficult to return to former arrangements.The application of mediation theory,combined with contextual integrity theory,clarified the shifting positions of different digital technology users in the infrastructural network of platformized banking and allowed for an in-depth analysis of conflicting interests.By clarifying these interests,difficulties were identified that need to be addressed in public policy and digital innovation projects to prevent loss of trust among bank clients.展开更多
As Vehicular ad hoc networks (VANETs) become more sophisticated, the importance of integrating data protection and cybersecurity is increasingly evident. This paper offers a comprehensive investigation into the challe...As Vehicular ad hoc networks (VANETs) become more sophisticated, the importance of integrating data protection and cybersecurity is increasingly evident. This paper offers a comprehensive investigation into the challenges and solutions associated with the privacy implications within VANETs, rooted in an intricate landscape of cross-jurisdictional data protection regulations. Our examination underscores the unique nature of VANETs, which, unlike other ad-hoc networks, demand heightened security and privacy considerations due to their exposure to sensitive data such as vehicle identifiers, routes, and more. Through a rigorous exploration of pseudonymization schemes, with a notable emphasis on the Density-based Location Privacy (DLP) method, we elucidate the potential to mitigate and sometimes sidestep the heavy compliance burdens associated with data protection laws. Furthermore, this paper illuminates the cybersecurity vulnerabilities inherent to VANETs, proposing robust countermeasures, including secure data transmission protocols. In synthesizing our findings, we advocate for the proactive adoption of protective mechanisms to facilitate the broader acceptance of VANET technology while concurrently addressing regulatory and cybersecurity hurdles.展开更多
文摘The COVID-19 pandemic accelerated the acceptance of digital banking services such as online payment and banking apps.As bank clients become more likely to use online services and contactless payment,the amount of consumer data available for banks’digitalization strategies has increased.This acceleration in digital banking has placed a spotlight on retail banks’efforts to protect personal data.Bank staff are on the frontlines of both protecting personal data and communicating their banks’efforts in this respect to maintain consumer trust.Our study aimed to answer the following question:How did the sudden increase in digitalization during the pandemic affect bank staff’s capabilities in protecting personal data?In a two-stage qualitative study,we collected empirical data on bank staff’s data protection efforts during accelerated digitalization.Analyzing our findings from the perspective of technological mediation theory,which focuses on the relationships between technologies,practices,and social arrangements,we found that in banking platformization,bank staff are disempowered in supporting clients,who are responsibilized for protecting themselves from fraud.Competitive pressures push retail banks into using client data in ways beyond sector norms,endangering the contextual integrity of data flows.Further,our findings show that digitalization presents bank clients with new risks,of which they are informed only after changing their banking practices,and it may be difficult to return to former arrangements.The application of mediation theory,combined with contextual integrity theory,clarified the shifting positions of different digital technology users in the infrastructural network of platformized banking and allowed for an in-depth analysis of conflicting interests.By clarifying these interests,difficulties were identified that need to be addressed in public policy and digital innovation projects to prevent loss of trust among bank clients.
文摘As Vehicular ad hoc networks (VANETs) become more sophisticated, the importance of integrating data protection and cybersecurity is increasingly evident. This paper offers a comprehensive investigation into the challenges and solutions associated with the privacy implications within VANETs, rooted in an intricate landscape of cross-jurisdictional data protection regulations. Our examination underscores the unique nature of VANETs, which, unlike other ad-hoc networks, demand heightened security and privacy considerations due to their exposure to sensitive data such as vehicle identifiers, routes, and more. Through a rigorous exploration of pseudonymization schemes, with a notable emphasis on the Density-based Location Privacy (DLP) method, we elucidate the potential to mitigate and sometimes sidestep the heavy compliance burdens associated with data protection laws. Furthermore, this paper illuminates the cybersecurity vulnerabilities inherent to VANETs, proposing robust countermeasures, including secure data transmission protocols. In synthesizing our findings, we advocate for the proactive adoption of protective mechanisms to facilitate the broader acceptance of VANET technology while concurrently addressing regulatory and cybersecurity hurdles.
