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Research on online user privacy shows that empirical evidence on how privacy literacy relates to users' information privacy empowerment is missing. To fill this gap, this paper investigated the respective influence of two primary dimensions of online privacy literacy – namely declarative and procedural knowledge – on online users' information privacy empowerment.

An empirical analysis is conducted using a dataset collected in Europe. This survey was conducted in 2019 among 27,524 representative respondents of the European population.

The main results show that users' procedural knowledge is positively linked to users' privacy empowerment. The relationship between users' declarative knowledge and users' privacy empowerment is partially supported. While greater awareness about firms and organizations practices in terms of data collections and further uses conditions was found to be significantly associated with increased users' privacy empowerment, unpredictably, results revealed that the awareness about the GDPR and user’s privacy empowerment are negatively associated. The empirical findings reveal also that greater online privacy literacy is associated with heightened users' information privacy empowerment.

While few advanced studies made systematic efforts to measure changes occurred on websites since the GDPR enforcement, it remains unclear, however, how individuals perceive, understand and apply the GDPR rights/guarantees and their likelihood to strengthen users' information privacy control. Therefore, this paper contributes empirically to understanding how online users' privacy literacy shaped by both users' declarative and procedural knowledge is likely to affect users' information privacy empowerment. The study empirically investigates the effectiveness of the GDPR in raising users' information privacy empowerment from user-based perspective. Results stress the importance of greater transparency of data tracking and processing decisions made by online businesses and services to strengthen users' control over information privacy. Study findings also put emphasis on the crucial need for more educational efforts to raise users' awareness about the GDPR rights/guarantees related to data protection. Empirical findings also show that users who are more likely to adopt self-protective approaches to reinforce personal data privacy are more likely to perceive greater control over personal data. A broad implication of this finding for practitioners and E-businesses stresses the need for empowering users with adequate privacy protection tools to ensure more confidential transactions.

This paper examines data protection related ex ante transaction costs borne by the private sector in the context of smart city service (SCS) public tendering in the European Union after the introduction of the General Data Protection Regulation. This study aims to establish the determinants of ex ante transaction costs related to data protection as well as to determine their relevance toward (tender) competition.

A statistical analysis of a survey sample of 72 SCS tender bids.

The potential of relationship management to foster more private sector investment in data protection for SCSs is established, i.e. stronger ties between parties lead to higher private sector investment. Furthermore, it is found that investing more in data protection can further boost both internal capabilities and the organizational reputation of tendering organizations. Finally, the analysis exposes a potential problem concerning the market for data protection originating from the dominant approach concerning SCS tender bid evaluation.

SCS tender bid evaluation is not perceived by the evaluated companies as having data protection as a (core) component. As a consequence, there is no strong competition in that specific area. To induce the private sector to structurally develop SCSs that can be expected to safeguard the fundamental rights of citizens, a more thorough evaluation of data protection aspects of bids imposes itself. Such an overhaul is likely to demand additional public sector resources and expertise.

This paper constitutes an early investigation into data protection related ex ante transaction costs borne by private sector actors. Incentives for data protection investment in the context of public procurement procedures are discussed.

This chapter reviews possible regulatory updates needed to address the four general challenges arising from digitalization of financial services, regardless of the business models of the financial services providers. These challenges are customers' data rights, artificial intelligence (AI) ethics, cybersecurity and financial exclusion.

Data protection is a significant area of law in a country like India, which is digitalising at a fast rate. Recently, India passed comprehensive data protection legislation after discussing several draft data protection frameworks. This paper aims to analyse the provisions of India’s first comprehensive data protection legislation, the Digital Personal Data Protection Act (DPDPA), 2023.

The paper aims to analyse how the DPDPA’s provisions should be interpreted. The methodology involves studying the act’s provisions, identifying shortcomings and suggesting ways of addressing the shortcomings through legal interpretation. The paper interprets DPDPA provisions through a comparative analysis with the proposed American Privacy Rights Act 2024 and EU General Data Protection Regulation. The methodology can be broadly classified as doctrinal and comparative legal research.

The paper makes several recommendations for interpreting the provisions of the DPDPA, which are discussed throughout the paper and summarised in the way forward section.

The analysis of this paper is limited to present-day data protection concerns. In the future, research can assess how the DPDPA can be interpreted to solve the challenges presented by societal and technological progress.

The originality and contribution of the paper are analysis and interpretation of the provisions of the DPDPA that will provide data principals with strong control over personal data and ensure stringent data protection obligations on data fiduciaries.

This study aims to investigate the impact of ex-ante regulatory interventions on emerging digital markets related to data sharing and combination practices. Specifically, it evaluates how such interventions influence market contestability by considering data network effects and the economic value of data.

The research uses agent-based modeling and simulations to analyze the dynamics of value generation and market competition related to the regulatory obligations on data sharing and combination practices.

Results show that while the promotion of data sharing through data portability and interoperability has a positive impact on the market, restricting data combination may damage value generation or, at best, have no positive impact even when it is imposed only on those platforms with very large market shares. More generally, the results emphasize the role of regulators in enabling the market through interoperability and service multihoming. Data sharing through portability fosters competition, while the usage of complementary data enhances platform value without necessarily harming the market. Service provider multihoming complements these efforts.

Although agent-based modeling and simulations describe the dynamics of data markets and platform competition, they do not provide accurate forecasts of possible market outcomes.

This paper presents a novel approach to understanding the dynamics of data value generation and the effects of related regulatory interventions. In the absence of real-world data, agent-based modeling provides a means to understand the general dynamics of data markets under different regulatory decisions that have yet to be implemented. This analysis is timely given the emergence of regulatory concerns on how to stimulate a competitive digital market and a shift toward ex-ante regulation, such as the regulatory obligations to large gatekeepers set in the Digital Markets Act.

This study aims to explore the implementation of artificial intelligence (AI) into recruitment by considering its potential to maximise the effectiveness of the human resources (HR) processes, challenges associated with the implementation and ethical concerns.

A qualitative research approach was used to reach the stated objectives within the context of the small open economy – the Czech Republic. Interviews were conducted with four participants, Czech-based recruiters, each with five or more years of experience in their field. The interviews were conducted in Autumn 2023 within the online platform. The answers were transcribed and thematically analysed.

The participants who were interviewed heavily emphasised the importance of the role of the human factor in recruitment, yet several observations and insights were obtained. In particular, some interviewees indicated a possible usage of a chatbot for the first round of the candidates' selection, but they see it as problematic in the final decision on the position fulfilment, where the human factor is not replaceable so far. The key ethical challenges of the broader implementation of AI in the recruitment practices of the respondents remain the risks regarding privacy and data protection, especially the General Data Protection Regulation (GDPR) legislation.

This article delivers pertinent insights for recruiters on using AI in recruitment, bringing forth a more subtle understanding of the faceted subject of AI-based recruitment.

This paper aims to explore explainable artificial intelligence (XAI) in democracy, proposing an applicable framework. With artificial intelligence’s (AI) increasing use in democracies, the demand for transparency and accountability in AI decision-making is recognized. XAI addresses AI “black boxes” by enhancing model transparency.

This study includes a thorough literature review of XAI. The methodology chosen was design science research to enable design theory and problem identification about XAI’s state of the art. Thereby finding and gathering crucial information to build a framework that aims to help solve issues and gaps where XAI can be of major influence in the service of democracy.

This framework has four main steps to be applied in the service of democracy by applying the different possible XAI techniques that may help mitigate existing challenges and risks for the democratic system. The proposed artifact intends to display and include all the necessary steps to select the most suitable XAI technology. Examples were given for every step of the artifact to provide a clear understanding of what was being proposed.

An evaluation of the proposed framework was made through interviews with specialists from different areas related to the topics in the study. The interviews were important for measuring the framework’s validity and originality.

While research on privacy concerns is rich in understanding and depth, there is still not a clear understanding of why people express having privacy concerns, but do not behave consistently with their concern. We propose that this misalignment derives from a diverse set of privacy boundaries, depending on the user. This research builds on prior Communication Privacy Management Theory research to further define individual privacy boundaries. Beyond that, we evaluate the relationship between the privacy boundaries people set, and their ability to protect themselves.

A survey was conducted to assess how private individuals find twenty items. Along with measuring the sensitivity of information, we collected responses on the Online Privacy Information Literacy test to measure differences in sensitivity based on privacy knowledge. 285 participant’s responses were evaluated using exploratory factor analysis and K-means clustering.

We identify five different groups of privacy indicators. Our findings also suggest that users have limited understanding of how to keep data private, even if they have high privacy concerns.

We contribute to theory by offering guidance on how to better apply theoretical understanding, based on our results. More explicitly, we offer analysis that suggests boundary conditions might be absent from current theoretical understanding. Practically, we offer guidance for understanding privacy differences, which is important to understanding how to implement privacy protection laws.

This paper examines the nexus between financial inclusion and the economic growth of an emerging market.

We use dataset from the World Bank and Heritage Foundations over the period 2005–2016 and fully modified least squares (FMOLS) and dynamic OLS (DOLS) to examine the financial inclusion–economic growth nexus in Ghana.

We document a negative relationship between financial inclusion and economic growth, and the causal nexus is unidirectional from financial access to GDP. Financial penetration, however, causes GDP growth, and GDP growth also causes financial penetration. We also document that IT infrastructure, the depth of financial services, employment and inflation drive economic growth in an emerging market.

The findings support international calls to prioritize financial penetration policies geared toward greater economic growth.

The paper adds to extant literature by highlighting new empirical insights on the financial inclusion–economic growth nexus from a sub-Saharan Africa market perspective.