One of the most notable developments in financial markets over the last 50 years is the growth of digital technology—a trend often referred to as “fintech.” This chapter examines fintech through the lens of consumer financial privacy, focusing on the implications of artificial intelligence...

Credibly representing category-of-goods mental accounting in an intertemporal optimisation framework is notoriously difficult. Although agent-based models provide the flexibility necessary to represent much more types of consumer behaviour than standard optimisation techniques, no comprehensive...

In recent years, most mobile apps have started tracking consumers' location and movement patterns. This type of tracking can allow firms that access these data to better predict consumers' future behaviors and to send targeted communications. However, such tracking also raises privacy concerns...

This research paper was conducted in anticipation of the European Union’s new General Data Protection Regulation taking effect on the 25th May 2018. This research is carried out with the intent to discover if the new legislation has a significant impact on consumer rights and consumer...

Programmers can distribute new software to online users either for a fee as shareware or bundle it with advertising banners and distribute it for free as adware. In this paper we study the programmers' choice between these two modes of distribution in the context of a model that take explicit...