The digitalization of finance has accelerated the diffusion of FinTech and raised new questions about how AI, data security and blockchain shape consumer behaviour. This article examines current FinTech users, focusing on mobile banking, security perceptions, AI-enabled personalisation and trust...

This study aims to investigate the key factors influencing the adoption of financial technology among digital immigrants and natives by extending the diffusion of innovation theory. A convenience sampling technique was employed to collect data from 160 digital immigrants and 193 digital natives,...

Purpose: The purpose of this study was to investigate how optimised data management systems (DMS) can enhance the scalability of small and medium enterprises (SMEs) in South Africa from a vendor perspective. Design/methodology/approach: A qualitative case study was employed, focusing on a...

Using China's Cybersecurity Law (CSL) as an exogenous shock, I examine how personal data security affects stock crash risk. I find that the stock crash risk of treatment firms (which collect personal data) significantly decreases after the CSL, and such decrease is larger when firms face greater...

Interest in artificial intelligence (AI) is widespread across several industries, such as marketing, but worries about its ethical and legal consequences are increasing. This article examines concerns regarding data security and privacy in AI-powered marketing and discusses possible remedies....

This study empirically investigates the performance of Elastic Machine Learning, an industrial, unsupervised anomaly detection tool, in the identification of fraudulent behavior in banking transactions. Using AI-generated datasets that were designed to simulate realistic banking environments,...

Credit card fraud detection remains a critical challenge for financial institutions, particularly due to extreme class imbalance and the continuously evolving nature of fraudulent behavior. This study investigates two complementary approaches: anomaly detection based on multivariate normal...

We propose a quantitative framework to track systemic risk arising from cyber vulnerabilities of the U.S. financial system. Synthesizing financial, economic, cyber, and network data that covers thousands of financial institutions and technological firms, we develop an index that tracks...

Millions of parents across Europe use mobile baby-tracking applications. These digital aides generate intimate data sets by accessing sensitive information about (un)born babies, pregnancies, and family caregiving routines. Crucially, the tracking infrastructures embedded in these apps enable...

This thesis operationalises the European Health Data Space (EHDS) notion of a Secure Processing Environment (SPE) by translating technology-neutral regulatory obligations into implementable and testable platform requirements. Following a Design Science Research approach, it introduces a...

As Thailand's financial sector accelerates its digital transformation, cybersecurity has transitioned from a mere technical support function to a strategic imperative that governs operational risk and financial stability. This study empirically examines the efficacy of cyber risk controls and...

Background: Blockchain has been extensively discussed for enhancing transparency, traceability, and trust in general; however, there is fragmented empirical evidence available with respect to this issue within maritime logistics. The objective is to integrate and categorize peer-reviewed...

The paper synthesizes global experiences and key lessons in the regulation and supervision of cyber risk in the financial sector. It draws on the IMF’s financial stability surveillance and technical assistance work. It underscores the increasing frequency and complexity of cyber threats. These...

This study examines how collaborative open innovation mechanisms can enhance cyber resilience in small and medium-sized enterprises (SMEs) operating under increasing digital risk and resource constraints. Employing a mixed-method research design, the study integrates a systematic literature...

Investment in cybersecurity in an interconnected banking system has public-good properties: positive externalities can generate systemic underinvestment. Using confidential supervisory data from the European Central Bank, we first identify "laggard" European banks that underinvest relative to...

"This pioneering book examines the legal, economic, and technological foundations of the proposed digital euro, and explores the potential design of an EU Central Bank Digital Currency (CBDC). Annelieke A.M. Mooij provides insights into the suggested legal framework behind the digital euro, as...

We examine how cybercrime impacts victims' risk-taking and returns. The results from our difference-in-differences analysis of a sample of victim and matched non-victim investors on the Ethereum blockchain are in line with prospect theory and suggests that victims increase their long-term total...

Digitalisation of health services brings many benefits to patients, including electronic health records, telemedicine, and AI-driven diagnostics. However, healthcare is one of the most targeted sectors by cyber and ransomware attacks. To better protect its healthcare systems and create a safer...

Digitalisation of health services brings many benefits to patients, including electronic health records, telemedicine, and AI-driven diagnostics. However, healthcare is one of the most targeted sectors by cyber and ransomware attacks. To better protect its healthcare systems and create a safer...

Managing electronic health records (EHRs) within hospitals presents significant challenges, particularly in ensuring the security, privacy, and accessibility of sensitive patient data. Traditional systems are often vulnerable to breaches and inefficiencies, demanding the need for exploration of...

This article delves into the transformative impact of blockchain technology on enhancing transaction quality and efficiency. Since the emergence of blockchain alongside Bitcoin in 2008, its decentralised and transparent nature has significantly improved transaction speed, security, and cost...

This study investigates the relationship between cyber risks and dividend policy, as well as how boards, as a governance mechanism, affect the dividend policy under cyber risk. This study collected firm-level financing, corporate governance, and control variables from the Bloomberg database...

The purpose of this study is to examine the effect of the two determinants of the technology acceptance model (TAM3), perceived ease of use (PEOU), and perceived usefulness (PU) on auditors' intention to adopt and use blockchain technology (BT) in Lebanon. This study also aims to investigate the...

The digital revolution is transforming the financial services sector. Risk is not static; emerging risks continue to pose threats to the financial services sector which influences financial stability and consumer protection regulation mandates. This novel study presents a comparative bibliometric...

As governments across the world increasingly undergo digitalisation processes, ensuring cybersecurity of these provisions cannot be 100% guaranteed. How, then, can governments best respond to a cybersecurity crisis in order to bolster cybersecurity in the future? Even Estonia, one of the...

The digitisation of seaports has brought about a significant improvement in efficiency, productivity, and communication within the maritime industry. However, the increasing reliance on technology exposes seaports to cyber threats, constituting significant risk to the economy and national...

This article provides an overview of the current state-of-the-art in cyber risk and cyber risk management, focusing on the mathematical models that have been created to help with risk quantification and insurance pricing. We discuss the main ways that cyber risk is measured, starting with...

In today's dynamic technological environment, the integration of IoT into Supply Chain Management Systems (SCMS) has significantly enhanced functionality, visibility, and decision-making. However, integrating Industrial-IoT (IIoT) with Supply Chain Networks (SCN) is an equally significant...

Health entities across Europe are increasingly reliant on digital solutions - from electronic health records and telemedicine to connected medical devices and AI-powered diagnostics. This digital transformation also brings greater exposure to cyber threats such as ransomware, phishing and the...