مورد إلكتروني
The E-krona and Traceability of Your Payment Data : An analysis of the fundamental differences and privacy-related impacts of the Riksbank’s e-krona pilot in comparison with card-based transactions
| العنوان: | The E-krona and Traceability of Your Payment Data : An analysis of the fundamental differences and privacy-related impacts of the Riksbank’s e-krona pilot in comparison with card-based transactions |
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| بيانات النشر: | Uppsala universitet, Juridiska institutionen 2022 |
| تفاصيل مُضافة: | Stenbacka, Lovisa |
| نوع الوثيقة: | Electronic Resource |
| مستخلص: | The Riksbank is currently investigating the possibility of producing a Central Bank Digital Currency in Sweden, called “e-krona”, implemented through an “e-krona network” on a platform based on Distributed Ledger Technology. By applying the methodology of legal dogmatics, legal informatics, and a legal policy perspective, this thesis examines and analyses some of the fundamental differences in Sweden’s current payment system for transactions at the point of sale, comparing debit card-based transactions with payments using the model of the Riksbank’s e-krona pilot. This contribution will examine, in particular, technological, regulative and, democratic differences between the two payment systems. The thesis also aims to contribute and encourage a discussion on potential democracy-related impacts concerning traceability aspects of the end-users’ payment data in the e-krona pilot. The examination of the e-krona technology reveals that the transactions are recorded in a distributed ledger and that the e-kronor in the network are represented by tokens, traceable to the Riksbank as issuer and delegated monitor of the system. Banks and other payment service providers act as participants in the e-krona network, responsible for providing the e-kronor to their customers through e-krona wallets. With respect to the payment system of card-based transactions, the paper concludes that individuals’ payment data is only traceable to a certain extent and that access to a transaction chain requires that information is collected among the multiple segmented private actors involved in the transaction. In the e-krona network, on the contrary, more information is shared between the participants, which enables traceability of the end-users payment data at a detailed level, providing access to full transaction chains by default. This thesis furthermore argues that the e-krona system does not comply with current legal frameworks protecting the payment data of individuals and that legisl |
| مصطلحات الفهرس: | e-krona, traceability, payment data, data protection, law, financial secrecy, AML, rule of law, democracy, technology, legal informatics, legal policy, law and technology, constitutional provisions, DLT, blockchain, wallet-id, information security, fintech, financial technology, the Riksbank, central bank, money, Riksbanken, finansiell teknologi, e-kronan, digital centralbanksvaluta, statlig kontroll, centralbank, konstitutionella förpliktelser, demokrati, skydd för betaldata, skydd för personuppgifter, finansiell sekretess, banksekretess, penningtvätt, informationsteknologi, rättsinformatik, rättspolitik, Law, Juridik, Student thesis, info:eu-repo/semantics/bachelorThesis, text |
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| الإتاحة: | Open access content. Open access content info:eu-repo/semantics/openAccess |
| ملاحظة: | application/pdf English |
| أرقام أخرى: | UPE oai:DiVA.org:uu-494089 1387578906 |
| المصدر المساهم: | UPPSALA UNIV LIBR From OAIster®, provided by the OCLC Cooperative. |
| رقم الأكسشن: | edsoai.on1387578906 |
| قاعدة البيانات: | OAIster |
| الوصف غير متاح. |