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To explain how the U.S. Securities and Exchange Commission (SEC), in its Digital Asset Securities Release, issued on December 23, 2020, laid out its vision for how broker-dealers can comply with the custody requirements of Rule 15c3-3 under the Exchange Act (the Customer Protection Rule) for investments in digital asset securities.

Explains the current regulatory uncertainty for broker-dealers doing a business in digital asset securities and developing systems and procedures that result in compliance with the custody requirements of the Customer Protection Rule; seven minimum steps that broker-dealers can take and nine terms and conditions with which they can comply to protect against SEC enforcement action; and the SEC’s request for comment in response to its position statement.

A broker-dealer operating pursuant to the terms and conditions of the position statement articulated in the Release will not be subject to SEC enforcement action on the basis that the broker-dealer deems itself to have obtained and maintained physical possession or control of customer fully paid and excess margin digital asset securities for the purposes of paragraph (b)(1) of the Customer Protection Rule.

Practical guidance from experienced financial services, broker-dealer and securities lawyer.

This paper uses the GB/T20984-2007 multiplicative method to assess the information security risk of a typical digital library in compliance with the principle and thought of ISO 27000. The purpose of this paper is to testify the feasibility of this method and provide suggestions for improving information security of the digital library.

This paper adopts convenience sampling to select respondents. The assessment of assets is through analyzing digital library-related business and function through a questionnaire which collects data to determine asset types and the importance of asset attributes. The five-point Likert scale questionnaire method is used to identify the threat possibility and its influence on the assets. The 12 respondents include directors and senior network technicians from the editorial department, comic library, children’s library, counseling department and the learning promotion centre. Three different Guttman scale questionnaires, tool testing and on-site inspection are combined to identify and assess vulnerabilities. There were different Guttman scale questionnaires for management personnel, technical personnel and general librarian. In all, 15 management librarians, 7 technical librarians and 72 ordinary librarians answered the vulnerability questionnaire. On-site inspection was conducted on the basis of 11 control domains of ISO 27002. Vulnerabilities were scanned using remote security evaluation system NSFOCUS. The scanning covered ten IP sections and a total of 81 hosts.

Overall, 2,792 risk scores were obtained. Among them, 282 items (accounting for 10.1 per cent of the total) reached the high risk level; 2 (0.1 per cent) reached the very high risk level. High-risk items involved 26 threat types (accounting for 44.1 per cent of all threat types) and 13 vulnerability types (accounting for 22.1 per cent of all vulnerability types). The evaluation revealed that this digital library faces seven major hidden dangers in information security. The assessment results were well accepted by staff members of this digital library, which testified to the applicability of this method to a Chinese digital library.

This paper is only a case study of a typical Chinese digital library using a digital library information security assessment method. More case-based explorations are necessary to prove the feasibility of the assessing strategy proposed in this study.

Based on the findings of recent literature, the authors found that very few researchers have made efforts to develop methods for calculating the indicators for digital library information security risk assessment. On the basis of ISO 27000 and other related information security standards, this case study proposed an operable method of digital library information security risk assessment and used it to assess a the information security of a typical Chinese digital library. This study can offer insights for formulating a digital library information security risk assessment scale.

This paper aims to investigate the cooperative governance mechanisms for personal information security, which can help enrich digital governance research and provide a reference for the formulation of protection policies for personal information security.

This paper constructs an evolutionary game model consisting of regulators, digital enterprises and consumers, which is combined with the simulation method to examine the influence of different factors on personal information protection and governance.

The results reveal seven stable equilibrium strategies for personal information security within the cooperative governance game system. The non-compliant processing of personal information by digital enterprises can damage the rights and interests of consumers. However, the combination of regulatory measures implemented by supervisory authorities and the rights protection measures enacted by consumers can effectively promote the self-regulation of digital enterprises. The reputation mechanism exerts a restricting effect on the opportunistic behaviour of the participants.

The authors focus on the regulation of digital enterprises and do not consider the involvement of malicious actors such as hackers, and the authors will continue to focus on the game when assessing the governance of malicious actors in subsequent research.

This study's results enhance digital governance research and offer a reference for developing policies that protect personal information security.

This paper builds an analytical framework for cooperative governance for personal information security, which helps to understand the decision-making behaviour and motivation of different subjects and to better address issues in the governance for personal information security.

The current body of empirical research regarding the impact of trust in the cybersecurity commitment of institutions on digital payment usage has focused solely on a macro-level analysis, overlooking the intricate dynamics between institutions' cybersecurity commitments and the trust levels of digital payment users. In light of this limitation, this study aims to offer a more comprehensive understanding of this complex relationship.

A case study was conducted on digital payment users in India through the critical realist lens. To gather data, interviews and focus group discussions were conducted with digital payment users from various regions of the country.

The citizen-centric outcomes of the national cybersecurity commitment (performance and responsiveness) are the most prominent and impactful trust indicators. These outcomes play a crucial role in shaping digital payment users' perception and trust in the cybersecurity commitment of public institutions. Individuals' value positions also influence trust judgments, as it is essential to recognize the value tensions that may arise due to security implementation and their congruence with citizens' values.

The findings of this study have significant implications for policymakers. They are potentially an artifact of the security and perception of digital payment users and the cultural uniqueness of digital payment users in India.

The study proposes a holistic understanding of the relationship between institutions' cybersecurity commitments and the trust levels of digital payment users. It offers a qualitative evaluation of how digital payment users perceive and construe efficient information security management implemented by public institutions.

First, the authors analyze the key problems faced by the protection of digital library readers' data privacy and behavior privacy. Second, the authors introduce the characteristics of all kinds of existing approaches to privacy protection and their application limitations in the protection of readers' data privacy and behavior privacy. Lastly, the authors compare the advantages and disadvantages of each kind of existing approaches in terms of security, efficiency, accuracy and practicality and analyze the challenges faced by the protection of digital library reader privacy.

In this paper, the authors review a number of research achievements relevant to privacy protection and analyze and evaluate the application limitations of them in the reader privacy protection of a digital library, consequently, establishing the constraints that an ideal approach to library reader privacy protection should meet, so as to provide references for the follow-up research of the problem.

As a result, the authors conclude that an ideal approach to reader privacy protection should be able to comprehensively improve the security of all kinds of readers' privacy information on the untrusted server-side as a whole, under the premise of not changing the architecture, efficiency, accuracy and practicality of a digital library system.

Along with the rapid development of new network technologies, such as cloud computing, the server-side of a digital library is becoming more and more untrustworthy, thereby, posing a serious threat to the privacy of library readers. In fact, the problem of reader privacy has become one of the important obstacles to the further development and application of digital libraries.

This research explores the implications for risk management of “People Risk.” In particular how online digital behaviors, particularly from young people entering the workplace for the first time, might impact on the work setting and how risk management might mitigate impact on the employee and organization.

A mixed methods approach was used to consider these implications and draws from a number of data sources in the United Kingdom including a database of self-review data around online safety policy and practice from over 2000 schools, a survey of over 1000 14–16 year olds and their attitudes toward sexting, and a survey of over 500 undergraduate students. In addition the work considers existing risk management approaches and the models therein and how they might be applied to people risk.

The dataset analyzed in this exploration show an education system in the United Kingdom that is not adequately preparing young people with an awareness of the implications of digital behavior in their lives and the survey data shows distorted social norms that might have serious consequences in the workplace.

This research should raise concerns for managers in the workplace who need to be aware of the changes in “normal” behavior and how these potentially harmful practices may be mitigated in the workplace.

The research provides a strong evidence base for a change in “acceptable” social behavior by children and young people alongside an education system not promoting effective awareness. These two datasets combined highlight potential new risks to the workplace.

The concept of cyber-spirituality and digital security has recently emerged due to the increasing dependence on technology. Using technology in spiritual contexts presents opportunities for enhanced spiritual experiences and risks that can compromise one's digital security. It emphasizes how the intersection of spirituality and technology can potentially result in a more fulfilling spiritual practice while adding to the existing concerns about data security.

In contemporary times, the impact of technology on mental health has emerged as a critical concern that demands ethical conduct in cyberspace. People are increasingly invested in fostering interfaith dialogues, achieving social equity, and promoting fair play within online communities. This chapter highlights the imperative need to approach technology with mindfulness while prioritizing digital safety in the fast-paced world.

In today's interconnected world, internet users are constantly exposed to a host of risks, including cyberattacks, cyberbullying, cyber-victimizations, and privacy violations. This chapter critically examines these severe threats to personal safety as well as overall societal well-being caused by increasing digitization. Focusing on critical factors such as digital literacy, digital citizenship, cybersecurity practices, and the legal framework concerning data protection, it stresses responsible conduct in the virtual space through informed decision-making by individuals.

Overall, this chapter aims to investigate how cyber-spirituality intersects with digital security in the context of the workplace. Accordingly, it advocates for an introspective attitude toward technology usage that underscores responsible behavior while helping us strike a balanced relationship with digital tools. Through this approach, we can not only safeguard against potential threats but also enhance our emotional well-being.

Digital technology is gaining attention among many scholars as a way to facilitate trade. This study aims to investigate three important digital dimensions (DD), namely, digital infrastructure, digital usage and digital security on trade using selected Asian countries and 20 selected trade partners. Digital infrastructure focussed on the availability and accessibility of digital infrastructure in exporting and importing countries. The second dimension, digital usage, highlights the importance of household usage of mobile phones, broadband data and the internet. Finally, the third dimension focusses on digital security as many online transactions occur across the globe.

The study uses the gravity model to investigate the impact of DD as tools to facilitate trade in selected Asian countries with selected trading partners between 2003 and 2017. The Hausman test is used to determine whether to use the random effect model or fixed effect model. However, for robustness, the Hausman and Taylor estimation is used to allow the time-invariant model to be included and at the same time to remove correlations between the error terms.

The result of this study confirmed that having digital infrastructure is not sufficient for trade facilitation, but it must be supported with an intensity of use by businesses and consumers and be accompanied by strong internet security for trade. The study also revealed that a narrowing digital divide in terms internet users and security will be a benefit to both trade partners in a transaction through better and efficient trade facilitation.

The study contributes to the literature in three ways. First, the classification of DD is used to identify which dimensions need to be addressed for policymakers. Most studies focussed on the first two dimensions without including security dimensions. Second, the authors estimate digital trade facilitation variables for both exporters and importers to ensure unbiased results between two trade partners. Finally, this study introduces new variables in the analysis of the digital user gap and the digital security gap as indicators for the digital divide.

The purpose of this paper is to investigate and analyze the adoption of digital technologies in the banking industry and its impact on the rise of digital fraudulent activities, specifically focusing on online banking frauds. This paper aims to provide insights into the current technologies implemented by banks to secure their online banking systems and explores the methods used by cybercriminals to exploit security vulnerabilities in these systems.

In order to understand how digital technologies in banking can be secured against online fraud, this research conducted a systematic literature review (SLR) on digital banking, online banking fraud, and security measurements. The review encompasses a variety of sources from online databases such as Emerald Insight, Google Scholar, IEEE, JSTOR, Springer and Science Direct.

The key finding of the paper is that the adoption of digital technologies in the banking industry has led to a significant increase in digital fraudulent activities, particularly in the form of online banking frauds. This paper emphasizes that these frauds have become a global concern and have evolved into an industry where cybercriminals use sophisticated tools such as phishing attacks, denial-of-service attacks, Trojan horses, malware infections, identity theft and computer viruses.

This study relies solely on a literature review without incorporating primary data or case studies; therefore, it might miss out on the firsthand experiences and perspectives of banks and cybersecurity professionals.

This study emphasizes the need for banks to adopt advanced security measures to safeguard their online banking systems.

This study underscores the importance of ongoing training and awareness programs for both bank employees and customers.

This study specifically addresses the adoption of digital technologies in the banking industry and its correlation with the increase in digital fraudulent activities. This focus on the intersection of technology and fraud in the banking sector is a distinctive aspect. This study conducts a SLR to examine the current technologies implemented by banks to safeguard their online banking systems. This comprehensive approach provides insights into the diverse security measures used by banks to protect against various types of cyber threats.