This document is an overview of the state-of-the-art in the economics of Privacy and Cyber-security (PACS). It is the Deliverable D4.1 under the FP7-financed project “Innovation Framework for Privacy and Cyber-security Market Opportunities.” This is the most comprehensive overview on the...

Deliverable 4.2 (“Horizontal and Vertical Analysis of Privacy and Cyber-Security Markets”) provides an in-depth discussion of economic incentives, stakeholder engagement and market opportunities in privacy and cyber-security. This report first introduces the reader to the horizontal market...

This document is an IPACSO service document for the European Commission. It’s main purpose is to outline the contribution and integration of work package 4 into the IPACSO framework. Moreover, it explains stakeholder engagement and the economic incentivization techniques for enabling the...

With the large-scale deployment of Information and Communication Technologies markets for products and services related to personal data and privacy are thriving. Yet, to date, there has been little effort to systematically map these markets. In this IPACSO White Paper, a methodology is proposed...

One of the most popular questions in information security economics is whether there are any special features relating to privacy and cyber-security products and services that separate these from traditional goods, like apples or cars. This paper is a contribution to this discussion. First,...

Without a birth certificate, no identity card can be issued and without identity card, there is no access to formal financial services. This link seems to be trivial in industrialized countries, where the ability of the individual to participate in economic life is rarely hindered by a lack of...

When granting credit, banks depend on reliable information about the creditworthiness and risk structure of potential borrowers. This information is typically gathered by national credit bureaus. Nationally established banks depend on information from credit bureaus more than ever, particularly...

Der Wettbewerb unter Kreditauskunfteien in Deutschland hat sich in den vergangenen Jahren stark intensiviert. Auskunfteien sammeln persönliche Daten über Verbraucher, die von Kreditinstituten, Leasing- und Telekommunikationsunternehmen, aber auch von Handelsfirmen sowie Energieversorgern...