The rapid expansion of Internet of Things (IoT) devices and services is continuing and even being catalyzed by the COVID-19 pandemic with the number of Internet-connected devices already far exceeding the number of people on the planet, leading to widespread implications for natural and digital...

E-commerce technologies are increasingly adopted and used because they give companies a competitive edge and boost their profitability through access to international markets. Even though global e-commerce has grown over the past few years, many consumers lack confidence in e-commerce purchases....

Alan Westin’s well-known and often-used privacy segmentation fails to describe privacy markets or consumer choices accurately. The segmentation divides survey respondents into “privacy fundamentalists,” “privacy pragmatists,” and the “privacy unconcerned.” It describes the average...

Payment systems that allow people to pay using their mobile phones are promised to reduce transaction fees, increase convenience, and enhance payment security. New mobile payment systems also are likely to make it easier for businesses to identify consumers, to collect more information about...

How much do consumers’ privacy valuations change under the influence of choice architecture? How does this influence affect the efficiency of data collection, by changing not only the quantity of data collected but also its representativeness? To answer these questions, we run a large-scale...

Most Americans have not heard of 'Do Not Track,' a proposal to allow Internet users to exercise more control over online advertising. However, when probed, most prefer that Do Not Track block advertisers from collecting data about their online activities. This is a much more privacy-protective...

This handbook provides an overview of various criminal activities related to cryptocurrencies, including investment scams, Ponzi schemes, rug pulls, ransomware attacks, money laundering, and darknet markets. We discuss the need for user protection and education, centralized entities and...

This paper presents a framework to study of technological resiliency of financial system architecture. Financial market infrastructures, or platforms, compete with services critical functions along various stages in the lifecycle of a trade, and make investments in technological resiliency to...