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Towards Trustworthy Digital Finance : Ethical and Privacy-Based Dilemma

Staicu, Andra (2025) Towards Trustworthy Digital Finance : Ethical and Privacy-Based Dilemma.

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Abstract:Digital Finance is changing the global financial sector by enabling faster, more accessible, and data-driven services. However, this shift has also raised serious concerns about user privacy and ethical data governance. As financial institutions increasingly rely on technologies such as artificial intelligence, big data analytics, and blockchain, new ethical dilemmas emerge around data exploitation, algorithmic bias, surveillance, and regulatory compliance. The purpose of this study is to investigate these challenges through a systematic literature review (SLR), focusing on ethical and privacy-based dilemmas shaping the trustworthiness of digital finance. The review identifies and synthesizes key issues, including data misuse, cross-jurisdictional legal conflicts, and the limits of user consent. It also examines current mitigation strategies such as privacy-preserving technologies, transparent algorithm design, and regulatory frameworks. By providing a comprehensive overview of risks and solutions, this research contributes to a better understanding of how digital finance can evolve in a responsible, user-centric, and ethically sound direction.
Item Type:Essay (Bachelor)
Faculty:EEMCS: Electrical Engineering, Mathematics and Computer Science
Programme:Business & IT BSc (56066)
Link to this item:https://purl.utwente.nl/essays/107451
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