Gubitak privatnosti podataka u elektronskim sistemima plaćanja

Aleksandra Pešterac,Nenad Tomić

doi:10.5937/aneksub2001135p

Abstract

The emergence of new information technologies, such as the Internet of Things, the fifth generation of mobile Internet, artificial intelligence, Big Data, machine learning and blockchain, has led to significant changes in the social and business environment. The potential for exponential growth in such conditions is also recognized in the field of electronic payment systems. The development of the Internet of Things, as a global technical infrastructure that connects objects by adding microprocessors and communications software to them, has become an important basis for the further progress of electronic payment systems. In the process of further improvements, the system faces the great challenge of protection against the unauthorized use, modification or destruction of data. An even greater challenge is the potential abuse of users' personal data by business entities or government agencies. The paper focuses on the challenges of protecting the privacy of users of electronic payment systems in a smart environment.

Highlights

The new technological transformation brings about the need for change in the approach to basic business principles
The subject of paper is the key challenges in ensuring the privacy and security for data created by electronic payment systems customers
The conflict of interest that arises between privacy protection and public benefit makes it difficult to collect personal information, even when government agencies appear as data collectors (Lee et al, 2019, p. 294)

Summary

Introduction

The new technological transformation brings about the need for change in the approach to basic business principles. The Internet of Things (IoT) concept was created as a product of the global connection of people with devices and objects from the environment. It has created new opportunities for the development of electronic payment systems. The huge amount of data created by the interaction of people and devices leads to the need for their analysis by the Big Data method, which will be the focus of the second part of the paper The impact of these concepts on privacy of electronic payment systems customers, as well as possible future implications, will be analyzed in the third part of the paper. Formation of too big databases can have adverse effects on performance (e.g., increasing synchronization time for new users) (Reyna et al, 2018, p. 175)

Electronic payment systems in a Big Data world

Concept of privacy in electronic payment systems

Findings

Conclusion