Related papers: Libra: Is it Really about Money?
In recent years, electronic retail payment mechanisms, especially e-commerce and card payments at the point of sale, have increasingly replaced cash in many developed countries. As a result, societies are losing a critical public retail…
This paper empirically analyzes a dataset published by the European Banking Authority. Our main aim was to study how the Leverage Ratio is affected by adverse financial scenarios. This was be followed by observing how Leverage Ratio…
The European Central Bank (ECB) is working on the "digital euro", an envisioned retail central bank digital currency for the Euro area. In this article, we take a closer look at the "digital euro FAQ", which provides answers to 26…
Most companies' new business practices are based on customer data. These practices have raised privacy concerns because of the associated risks. Privacy laws require companies to gain customer consent before using their information, which…
The rising importance of cryptocurrencies as financial assets pushed their applicability from an object of speculation closer to standard financial instruments such as loans. In this work, we initiate the study of secure protocols that…
In the banking industry, ransomware is a well-known threat, but since the beginning of 2022, cryptojacking, an emerging threat is posing a considerable challenge to the banking industry. Ransomware has variants, and the attackers keep…
Designed to compete with fiat currencies, bitcoin proposes it is a crypto-currency alternative. Bitcoin makes a number of false claims, including: solving the double-spending problem is a good thing; bitcoin can be a reserve currency for…
Nowadays, privacy has become a very serious issue with smart and mobile platforms. Users tend to allow intrusive apps access much sensible information without really knowing the potential threats. To solve this issue several solutions (e.g.…
In the past few years, the research community has dedicated growing interest to the issue of false news circulating on social networks. The widespread attention on detecting and characterizing false news has been motivated by considerable…
Social networks such as Facebook (FB) and Instagram are known for tracking user online behaviour for commercial gain. To this day, there is practically no other way of achieving privacy in said platforms other than renouncing their use.…
Cyber Security plays an important role in the field of information technology .Securing the information have become one of the biggest challenges in the present day. When ever we think about the cyber security the first thing that comes to…
Todays modern society is extremely dependent on computer based information systems. Many of the organizations would simply not be able to function properly without services provided by these systems, just like financing organizations.…
As our lives migrate to the digital realm, our online identity has evolved to become an increasingly robust collection of data about every aspect of our online and offline lives. This data is extremely appealing to companies who wish to use…
This paper gives an absolute new search system that builds the information retrieval infrastructure for Internet. Now most search engine companies are mainly concerned with how to make profit from company users by advertisement and ranking…
Cryptocurrencies have gained tremendous popularity over the past few years. The purpose of this study is to try to understand the factors that are driving cryptocurrency-related trading activities. Focusing on the well-established…
The data revolution in low- and middle-income countries is quickly transforming how companies approach emerging markets. As mobile phones and mobile money proliferate, they generate new streams of data that enable innovation in consumer…
In the area of information technology, cybersecurity is critical. Information security is one of todays highest priorities. Cyber attacks, which are on the rise and include Ransomware, are the first thing that springs to mind when we think…
This paper addresses critical questions surrounding the security of government-issued identity documents and their potential misuse, with an emphasis on understanding the perspectives of ordinary citizens across Europe and the United States…
This study investigates how media influence and educational resources shape individual engagement with cryptocurrencies. As digital assets become increasingly mainstream, social media platforms, influencers, and financial analysts play a…
Today, financial institutions (FIs) store and share consumers' financial data for various reasons such as offering loans, processing payments, and protecting against fraud and financial crime. Such sharing of sensitive data have been…