Prior to the application of the EU General Data Protection Regulation (GDPR), one of the results of the relatively-low-level of legislatively permitted data protection violation administrative fines was, arguably, a lack of compliance by U.S. Tech Giants, among others. At least on paper, this...

Dieser Artikel befasst sich mit der Vereinbarkeit der Nutzung von Big Data und Künstlicher Intelligenz (KI) durch FinTechs mit den europäischen Datenschutzgrundsätzen. FinTechs ersetzen zunehmend traditionelle Kreditinstitute und gewinnen bei der Bereitstellung von Finanzdienstleistungen an...

The current legal analysis on the blockchain technology focuses on the financial regulation of the cryptocurrencies and little investigation is done in the area of privacy regulation of this technology.This research shows that the blockchains are much more nuanced than could be served by a...

China's Social Credit System (SCS) has captured the imagination and power of big data technology. Launched at the national level in 2014, the system's aim is to assess the trustworthiness of Chinese citizens in keeping their promises and complying with legal rules, moral norms, and professional...

Online public record access brings a wealth of benefits ranging from greater government access and accountability to increased cost-savings and efficiencies. However, due to the presence of highly sensitive, personal data, an increase in public records access also brings potential dangers,...

We are frequently asked how, during our recent tenure at the Federal Trade Commission, we came to create the National Do Not Call Registry, one of the most popular government actions ever under- taken. The answer lies in our search for an approach to regulate the exchange of consumer information...

The advent of a retail central bank digital currency (CBDC) could reshape the US payments system. A retail CBDC would be a digital representation of the US dollar in the form of an account or token that is widely accessible to the general public. It would be a third form of US fiat money that is...

Recent prominent judicial opinions have assumed that common carriers have few to no First Amendment rights and that calling an actor a common carrier or public accommodation could justify limiting its right to exclude and mandating that it provide nondiscriminatory access. A review of the...

China has become one of the largest mobile payment markets in the world. While mobile payments bring great benefits such as convenience, flexibility, and efficiency, they are not without risks. This article focuses on one of the major risks, namely the data privacy risk, which is in large part...

This chapter first describes the standard economic analysis of privacy, data protection and surveillance, looking at the costs and benefits to different parties and the incentives each therefore has, as well as the aggregate social welfare impacts of their decisions. It then considers the market...