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on Payment Systems and Financial Technology |
| By: | Bindseil, Ulrich; Coste, Charles-Enguerrand; Pantelopoulos, George |
| Abstract: | The digitalisation of payments has accelerated over the last decades with the internet and ever faster and cheaper computing. Now, many believe that decentralised finance (“DeFi”) offers fundamentally new possibilities for trading, payments and settlement. Moreover, for a few years central banks have launched work on what has been called retail and wholesale central bank digital currencies (“CBDC”). Concurrent to the rise of innovative technologies has been the advent of new terminology, which is widely used, but which often seems to be biased, confusing, or is used inconsistently. By providing an etymology of key concepts and reviewing terminology and definitions, this paper also provides a new approach to clarifying the essence of new technologies in the field of payments to facilitate ongoing discussions about their eventual merits and use cases. JEL Classification: B26, E42 |
| Keywords: | CBDC, DeFi, digital assets, DLT, tokenization |
| Date: | 2025–02 |
| URL: | https://d.repec.org/n?u=RePEc:ecb:ecbwps:20253022 |
| By: | Vincent Iehlé (LERN - Laboratoire d'Economie Rouen Normandie - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université - IRIHS - Institut de Recherche Interdisciplinaire Homme et Société - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université); Emy Lécuyer (LERN - Laboratoire d'Economie Rouen Normandie - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université - IRIHS - Institut de Recherche Interdisciplinaire Homme et Société - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université); Martin Vernay (LERN - Laboratoire d'Economie Rouen Normandie - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université - IRIHS - Institut de Recherche Interdisciplinaire Homme et Société - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université, THEMA - Théorie économique, modélisation et applications - CNRS - Centre National de la Recherche Scientifique - CY - CY Cergy Paris Université) |
| Abstract: | The article presents the benefits of smart contracts from an economic analysis perspective. It demonstrates how the precise design of smart contracts enhances the execution of transactions among microeconomic agents by facilitating payments and deterring fraud. The case of an international sale is proposed to illustrate the extended exchange possibilities achieved through such tools. |
| Abstract: | L'article présente les apports des smart contracts du point de vue l'analyse économique. Il montre comment la conception Tine de smart contracts permet améliorer la réalisation de transactions entre agents microéconomiques en facilitant les paiements et en dissuadant la fraude. Le cas d'une vente internationale est proposée pour illustrer les possibilités élargies d'échange qui sont obtenues à partir de ce type d'outils. |
| Keywords: | smart contract, risk, escrow, programmable payment, Blockchain Technologies, risque, sequestre, paiement programmable, Blockchain Technology |
| Date: | 2024–02–02 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:halshs-04167670 |
| By: | Francisco E. Ilabaca; Vy Nguyen |
| Abstract: | Digital-asset platforms and other intermediaries play important roles in the cryptocurrency ecosystem. They facilitate trading between buyers and sellers, engage in large volumes of daily transactions, and have recently expanded to provide more complex financial services. However, the extent of their activities and the potential risks they pose to financial stability are still largely opaque to regulators (Brief no. 23-02). |
| Date: | 2023–05–30 |
| URL: | https://d.repec.org/n?u=RePEc:ofr:briefs:23-02 |
| By: | Shigeo Morita (Fukuoka University); Yukihiro Nishimura (Osaka University and CESifo); Hirofumi Okoshi (Okayama University) |
| Abstract: | As development of online market brings ongoing concerns that foreign app suppliers avoid value-added tax (VAT) in a domestic country, some countries design a tax reform which makes platform pay VAT instead of app suppliers (platform taxation). In the market where the monopoly platformer determines the prices of the network good and the commission fee of the platform services (with online apps as a representative example), this study investigates whether the prevention of tax leaks by platform tax improves the welfare of the host country, as well as the extent of the cross-market incidence of the two-sided market. We find that the tax reform reduces foreign app suppliers and consumption of a network good such as smartphones, with substantial extent of cross-market pass-through. The effect of the tax reform on home app suppliers crucially depends on the responsiveness of the app supplies from the number of users, which we call entry elasticity. Platform tax also increases the tax burden laid on the network product, but the monopoly seller let the increase of the tax burden born entirely by consumers. We also show that digitalization reduces the loss of welfare as well as tax planning by the platformer. |
| Keywords: | Value-added tax; Tax reform; Digital economy; Platform; Network externality |
| JEL: | F23 H26 |
| Date: | 2025–02 |
| URL: | https://d.repec.org/n?u=RePEc:osk:wpaper:2502r |
| By: | Bussolo, Maurizio; Dixit, Akshay; Golla, Anne; Kotia, Ananya; Lee, Jean N.; Narasimhan, Prema; Sharma, Siddharth |
| Abstract: | Understanding how e-commerce platforms are affecting the small, informal firms that sell on them is a question of growing importance to researchers and policymakers in developing countries. This paper examines this question using data from surveys of firms selling on two e-commerce platforms in South Asia. The businesses selling on these platforms range widely in terms of size, degree of formalization, and other characteristics. Their main reason for joining the platforms is to access more customers. After joining, many sellers report (i) an expansion of their business, (ii) an increase in their incentive to formal registration, and (iii) increased visibility to tax authorities. Other less-widespread channels of impact include (i) the adoption of new or improved business practices and technologies, (ii) better access to finance, and (iii) greater flexibility in balancing home and work life. These reported impacts do not vary significantly by firm size or registration status, suggesting that the greater market access brought about by (selectively) joining e-commerce platforms benefits equally large and small (informal) firms. Given size and age, firms selling on the platform for a longer period are more likely to experience these impacts, suggesting that firms learn how to use the platform more effectively over time. Finally, firms on these platforms—even the micro and small ones, which tend to be informal—are from a select group, as they are owned and managed by individuals who are more educated and younger than the owners and managers of more typical firms in this setting. |
| Keywords: | e-commerce platforms; informal and formal firms; South Asia |
| JEL: | L81 L88 O17 |
| Date: | 2025–01–17 |
| URL: | https://d.repec.org/n?u=RePEc:ehl:lserod:127127 |
| By: | Rachid Maghniwi (UM5 - Université mohamed 5, Rabat); Mustapha Oukassi |
| Abstract: | This study examines the impact of Open Banking on the Moroccan banking system by analyzing Bank Al-Maghrib's central role in regulating and promoting this innovation. Our research employs a mixed methodology combining quantitative analysis of data collected from 24 Moroccan financial institutions (8 commercial banks, 12 Fintechs, 4 microfinance institutions) and a qualitative approach based on in-depth interviews with key industry stakeholders. Results reveal that the regulatory framework significantly influences Open Banking technology adoption (β = 0.684, p < 0.001), with a positive impact on financial inclusion (β = 0.573, p < 0.001). The study also demonstrates a significant mediating effect of technological adoption (indirect effect = 0.392, p < 0.001) and a moderating effect of institutional characteristics in this relationship. These findings contribute to existing literature by proposing an analytical model adapted to emerging markets and identifying key success factors for Open Banking implementation in the Moroccan context |
| Abstract: | Cette recherche examine l'impact de l'Open Banking sur le système bancaire marocain en analysant le rôle central de Bank Al-Maghrib dans la régulation et la promotion de cette innovation. Notre étude s'appuie sur une méthodologie mixte combinant une analyse quantitative de données collectées auprès de 24 institutions financières marocaines (8 banques commerciales, 12 Fintechs, 4 institutions de microfinance) et une approche qualitative basée sur des entretiens approfondis avec des acteurs clés du secteur. Les résultats révèlent que le cadre réglementaire influence significativement l'adoption des technologies Open Banking (β = 0.684, p < 0.001), avec un impact positif sur l'inclusion financière (β = 0.573, p < 0.001). L'étude démontre également un effet médiateur significatif de l'adoption technologique (effet indirect = 0.392, p < 0.001) et un effet modérateur des caractéristiques institutionnelles dans cette relation. Ces résultats contribuent à la littérature existante en proposant un modèle d'analyse adapté aux marchés émergents et en identifiant les facteurs clés de succès de l'implémentation de l'Open Banking dans le contexte marocain. |
| Keywords: | Banking Regulation, Financial Innovation, Open Banking, Bank Al-Maghrib, Financial Inclusion, Régulation bancaire, Inclusion financière, Innovation financière, Fintech |
| Date: | 2025–01–15 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04894412 |
| By: | Ngcetane-Vika, Thelela Dr (Wits University, Johannesburg, South Africa) |
| Abstract: | Digital transformation has become an interesting area of research to legal scholars who seek to study how it has impacted regulatory frameworks and in this case, laws that govern commercial contracts. Undoubtedly, digitalisation has drastically changed how business is done and by extension commercial contracts. Digital transformation has far reaching implications on commercial contracts. Thus, Legislative frameworks are needed to regulate online business which culminates into standardisation of commercial contracts, on areas like Block Chain and Artificial intelligence. The aim of this paper, therefore, is to assess how the English law and South African laws are responding, in relation to digital transformation and commercial contracts. Digital transformation (DT) can be traced back to the year 2000 when its use became prevalent as the rapid increase of the use of digital technologies has become important in societies, governments and businesses. Undoubtedly, DT has revolutionised how business and societies function. This particular investigation hinged upon qualitative research tradition, whereby a non-intrusive case study approach was followed. Pursuantly, the empirical basis for this essay included mostly primary and secondary sources such as literature review on articles, books, case laws and relevant Statutes. This paper is structured to include an analysis of key concepts as part of the theoretical framework, especially commercial contracts and digital technology. Futhermore, to assess how the South African laws are responding to digital transformation in relation commercial contracts. At the end, to conduct a comparative analysis of English law versus South African law in relation to digital transformation and commercial contracts. The paper hopes to contribute to the body of knowledge on digitalisation and commercial law. |
| Date: | 2023–08–21 |
| URL: | https://d.repec.org/n?u=RePEc:osf:africa:jqh7d_v1 |
| By: | Dr. Froolik, Alderd J. (Quest Sales & Marketing Automations BV) |
| Abstract: | This dissertation explores the application of AI-powered automation and low- and no-code tools, specifically focusing on Integrated Platform as a Service (iPaaS) solutions, to empower Small and Medium-sized Businesses (SMBs) in the digital marketplace. In a landscape heavily skewed towards large enterprises with substantial resources and access to advanced technologies, SMBs face considerable challenges in achieving operational efficiency, scalability, and customer engagement. This research investigates how tools like Make.com, Zapier, Shopify, and ActiveCampaign, categorized as iPaaS platforms, can democratize access to these capabilities, allowing SMBs to effectively compete with larger competitors. Using PeponiXL as a practical case study, the thesis illustrates the implementation of automation workflows and AI-driven solutions aimed at improving marketing performance, order processing, and operational efficiency. The case study demonstrates the integration of VidaXL's product catalog and Shopify through automated processes powered by iPaaS tools, showcasing the feasibility of cost-effective scaling for SMBs. The research utilizes the Technology Acceptance Model (TAM) and the Resource-Based View (RBV) to establish the theoretical foundation, examining how perceived ease of use and usefulness influence the adoption of these technologies. Key performance metrics such as Return on Investment (ROI), Customer Acquisition Cost (CAC), Customer Lifetime Value (CLV), and operational efficiency were analyzed to assess the success of the implementation. Findings indicate that the deployment of iPaaS tools significantly enhanced operational efficiency, reduced manual workloads, and enabled personalized customer engagement, resulting in a 45% increase in ROI and a 30% reduction in CAC. The hybrid approach of combining low-code platforms with custom scripting provided the necessary scalability to manage increased demand effectively, highlighting the value of iPaaS in fostering digital transformation for SMBs. The study contributes to the academic discourse by addressing the research gap related to the adoption of AI-powered automation in SMBs and by offering practical insights into how small enterprises can leverage technology to level the competitive playing field. Recommendations are provided for SMBs looking to adopt similar approaches, as well as suggestions for future research into the broader implications of iPaaS for digital transformation across various industries. |
| Date: | 2024–11–10 |
| URL: | https://d.repec.org/n?u=RePEc:osf:thesis:uvk3q_v1 |
| By: | Barboni, Giorgia (Warwick Business School, Warwick University); de Roux, Nicolás (Universidad de Los Andes, Colombia); Perez-Cardona, Santiago (University of Chicago) |
| Abstract: | We conducted a telephonic survey experiment with 2, 115 Venezuelan migrants to examine how their perceptions of Colombian’s social acceptance influence their engagement with the financial system. We find that 66% of the subjects we interviewed underestimate the extent to which natives are open towards migrants. We then show that providing accurate information reduces belief errors by 23 percentage points. This correction increases migrants’ willingness to interact with the financial system. In particular, individuals who initially underestimated Colombian’s acceptance of migrants are 15% more likely to visit a bank and request financial information in the next two months relative to the control group. These individuals also show a 12% increase in the willingness to open a digital wallet and an 18% increase in the willingness to open a savings account. These effects are concentrated among individuals who have not experienced episodes of discrimination in Colombia. We find no effects on the willingness to apply for a loan or an insurance product, consistent with the idea that supply barriers play a significant role for the financial inclusion of vulnerable populations. Using an instrumental variable strategy, we show that the increased willingness to engage with the financial system is driven by belief updating. In a short follow-up survey six months later, we find that belief corrections persist over time, and while we are underpowered to detect significant behavioral effects, the patterns remain consistent with the baseline results. Our findings highlight that misperceptions about native’s social acceptance of migrants can drive self-exclusion from the financial system. |
| Keywords: | Financial Inclusion, Migration, Beliefs, Social Acceptance JEL Classification: G51, D91, F22, D83 |
| Date: | 2025 |
| URL: | https://d.repec.org/n?u=RePEc:cge:wacage:745 |
| By: | Söhnke M. Bartram; Mark Grinblatt; Yan Xu |
| Abstract: | The relative restrictiveness of a central bank’s supply of money predicts the raw and risk-adjusted returns of its currency—both next month and at least three years into the future. Archived data, known by currency traders at the time, estimates central bank restrictiveness as a scaling of the residual from out-of-sample panel regressions of M1 on macroeconomic variables tied to domestic and international transaction requirements. Carry’s ability to forecast currency returns is subsumed by the central bank restrictiveness signal, which also forecasts inflation. |
| JEL: | F31 G12 G15 |
| Date: | 2025–01 |
| URL: | https://d.repec.org/n?u=RePEc:nbr:nberwo:33423 |
| By: | Ategeka, Stewart; Luyinda, William B.; Arach, Zilla M.; Ogutu, Sylvester; Ajambo, Susan; Birachi, Eliud A.; Kikulwe, Enoch M. |
| Abstract: | This technical report presents outcomes of EzyAgric’s digital innovation awareness raising campaigns that aimed to enhance awareness and usage of EzyAgric’s digital innovation bundles among farmers and agro-inputs merchants in Luwero, Nakaseke, and Mityana districts. The objectives included fostering knowledge about EzyAgric's digital products and services, promoting quality assurance of agro-inputs, training on the safe use of agro- chemicals and climate-smart agriculture. Overall, 293 farmers were engaged, including 246 target farmers, and 47 non-target farmers. The training emphasized hands-on activities and practical demonstrations of the EzyAgric digital innovations, actual delivery of agricultural products ordered by the merchants. Key topics covered included agro-input requirements for coffee, maize, banana, tomatoes, and climate smart agriculture practices. The initiative saw a 32% increase in participation due to localized training sessions and the involvement of community leaders. Key achievements include 50 new users onboarded on the EzyAgric App, 246 farmers enrolled on EzyAgric’s USSD platform, and some agro-input sales to the newly onboarded merchants. Major challenges were low smartphone penetration, low digital proficiency among the target farmers, and lack of for- mal farmer organization structures. The next steps include continuous farmer engagement, demand aggregation, and timely supply of quality inputs to farmers and agro-input merchants. The report recommends the utilization of farmer organization structures and localized group training as a scalable approach in awareness raising campaigns on the adoption of digital innovations. |
| Keywords: | digital innovation; farmers; farm inputs; climate-smart agriculture; training; Africa; Eastern Africa; Sub-Saharan Africa; Uganda |
| Date: | 2024 |
| URL: | https://d.repec.org/n?u=RePEc:fpr:cgiarp:169865 |
| By: | Louadi, Mohamed (Institut Supérieur de Gestion) |
| Abstract: | In this paper we delve into the historical evolution of data as a fundamental element in communication and knowledge transmission. The paper traces the stages of knowledge dissemination from oral traditions to the digital era, highlighting the significance of languages and cultural diversity in this progression. It also explores the impact of digital technologies on memory, communication, and cultural preservation, emphasizing the need for promoting a culture of the digital (rather than a digital culture) in Africa and beyond. Additionally, it discusses the challenges and opportunities presented by data biases in AI development, underscoring the importance of creating diverse datasets for equitable representation. We advocate for investing in data as a crucial raw material for fostering digital literacy, economic development, and, above all, cultural preservation in the digital age. |
| Date: | 2024–03–07 |
| URL: | https://d.repec.org/n?u=RePEc:osf:africa:xqtcs_v1 |
| By: | Hunt Allcott; Juan Camilo Castillo; Matthew Gentzkow; Leon Musolff; Tobias Salz |
| Abstract: | We evaluate the economic forces that contribute to Google’s large market share in web search. We develop a model of search engine demand in which consumer choices are influenced by switching costs, quality beliefs, and inattention, and estimate it using a field experiment with US desktop internet users. We find that (i) requiring Google users to make an active choice among search engines increases Bing’s market share by only 1.1 percentage points, implying that switching costs play a limited role; (ii) Google users who accept our payment to try Bing for two weeks update positively about its relative quality, with 33 percent preferring to continue using it; and (iii) after changing the default from Google to Bing, many users do not switch back, consistent with persistent inattention. In our model, correcting beliefs and removing choice frictions would increase Bing’s market share by 15 percentage points and increase consumer surplus by $6 per consumer-year. Policies that expose users to alternative search engines lower Google’s market share more than those requiring active choice. We then use Microsoft search logs to assess the impact of additional data on search result relevance. The results suggest that sharing Google’s click-and-query data with Microsoft may have a limited effect on market shares. |
| JEL: | L4 L86 |
| Date: | 2025–01 |
| URL: | https://d.repec.org/n?u=RePEc:nbr:nberwo:33410 |
| By: | Jérôme Blanc (TRIANGLE - Triangle : action, discours, pensée politique et économique - ENS de Lyon - École normale supérieure de Lyon - Université de Lyon - UL2 - Université Lumière - Lyon 2 - IEP Lyon - Sciences Po Lyon - Institut d'études politiques de Lyon - Université de Lyon - UJM - Université Jean Monnet - Saint-Étienne - CNRS - Centre National de la Recherche Scientifique) |
| Abstract: | Our current monetary system displays major flaws as to whether it can support the ecological turn. This article stylises them as bank credit, a-territoriality and non-specialisation of money, and commensurability. Yet, the variety of experiences of alternative currencies displays remarkable features like territorialisation, socio-economic specialisation of money, a practical criticism of commensurability and non-bank funding and financing schemes. Considering those features seriously, and making them part of monetary systems, require adapting the existing monetary infrastructure by creating specific circuits through the establishment of boundaries. |
| Keywords: | Ecological turn, monetary infrastructure, territorialisation, alternative currencies |
| Date: | 2024–03–01 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:halshs-04513773 |
| By: | Samuel Hughes; Francisco E. Ilabaca; Jacob Lockwood; Kevin Zhao |
| Abstract: | This OFR Brief examines how crypto exposure is correlated with household debt and distress (Brief no. 24-08). |
| Date: | 2024–11–26 |
| URL: | https://d.repec.org/n?u=RePEc:ofr:briefs:24-08 |
| By: | Maghniwi Rachid (UM5 - Université Mohammed V de Rabat [Agdal]); Pr Oukassi Mustapha (UM5 - Université Mohammed V de Rabat [Agdal]) |
| Abstract: | Artificial Intelligence (AI) emerges as a transformative force in a rapidly evolving banking landscape. This groundbreaking study explores the revolutionary impact of AI on managing the commercial performance of bank branches in Morocco, a market at the forefront of digital innovation. Through a rigorous empirical analysis conducted on the country's three banking giants-Attijariwafa Bank, Banque Centrale Populaire (BCP), and Bank of Africa (BMCE)-our research unveils the mechanisms by which AI is redefining the sector's commercial and operational strategies.The study draws on a representative sample of 150 bank branches, carefully selected to reflect the diversity of the Moroccan market. Our findings, of considerable scope, highlight the significant competitive advantages offered by AI: augmented decision-making, unprecedented customer personalization, and transformed operational efficiency.Beyond the numbers, this research offers a dive into the reality of the AI revolution within Moroccan bank branches. It reveals how AI, far from being a mere technological tool, is becoming a catalyst for cultural and strategic change. Our analysis uncovers Moroccan banks' unique challenges and novel opportunities in their quest for innovation and leadership in the African market. |
| Abstract: | Dans un paysage bancaire en rapide évolution, l'Intelligence Artificielle (IA) émerge comme une force transformatrice. Cette étude novatrice explore l'impact révolutionnaire de l'IA sur la gestion de la performance commerciale des agences bancaires au Maroc, un marché à l'avant-garde de l'innovation numérique. À travers une analyse empirique rigoureuse menée sur les trois géants bancaires du pays - Attijariwafa Bank, Banque Centrale Populaire (BCP) et Bank of Africa (BMCE) - notre recherche dévoile les mécanismes par lesquels l'IA redéfinit les stratégies commerciales et opérationnelles du secteur. L'étude s'appuie sur un échantillon représentatif de 150 agences bancaires, soigneusement sélectionnées pour refléter la diversité du marché marocain. Nos résultats, d'une portée considérable, mettent en lumière les avantages concurrentiels significatifs offerts par l'IA : une prise de décision augmentée, une personnalisation client sans précédent et une efficacité opérationnelle transformée. Au-delà des chiffres, cette recherche offre une plongée dans la réalité de la révolution de l'IA au sein des agences bancaires marocaines. Elle révèle comment l'IA, loin d'être un simple outil technologique, devient un catalyseur de changement culturel et stratégique. Notre analyse met au jour les défis uniques et les nouvelles opportunités auxquels font face les banques marocaines dans leur quête d'innovation et de leadership sur le marché africain. |
| Date: | 2024–12 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04894491 |
| By: | Masaaki Fukasawa; Basile Maire; Marcus Wunsch |
| Abstract: | We present a mathematical formulation of liquidity provision in decentralized exchanges. We focus on constant function market makers of utility indifference type, which include constant product market makers with concentrated liquidity as a special case. First, we examine no-arbitrage conditions for a liquidity pool and compute an optimal arbitrage strategy when there is an external liquid market. Second, we show that liquidity provision suffers from impermanent loss unless a transaction fee is levied under the general framework with concentrated liquidity. Third, we establish the well-definedness of arbitrage-free reserve processes of a liquidity pool in continuous-time and show that there is no loss-versus-rebalancing under a nonzero fee if the external market price is continuous. We then argue that liquidity provision by multiple liquidity providers can be understood as liquidity provision by a representative liquidity provider, meaning that the analysis boils down to that for a single liquidity provider. Last, but not least, we give an answer to the fundamental question in which sense the very construction of constant function market makers with concentrated liquidity in the popular platform Uniswap v3 is optimal. |
| Date: | 2025–02 |
| URL: | https://d.repec.org/n?u=RePEc:arx:papers:2502.01931 |
| By: | Arthur Fliegelman; Daniel Stemp |
| Abstract: | This brief examines the cyberattack on Change Healthcare and how the U.S. financial system can improve the cyber defenses of a systemically important firm (Brief no. 24-05). |
| Date: | 2024–11–13 |
| URL: | https://d.repec.org/n?u=RePEc:ofr:briefs:24-05 |
| By: | Emilie Peneloux (CERGAM - Centre d'Études et de Recherche en Gestion d'Aix-Marseille - AMU - Aix Marseille Université - UTLN - Université de Toulon); Thomas Des Grottes (IAE Paris Est Créteil - Institut d'Administration des Entreprises - Paris Est Créteil - UPEC UP12 - Université Paris-Est Créteil Val-de-Marne - Paris 12); Philippe Lepinard (IRG - Institut de Recherche en Gestion - UPEC UP12 - Université Paris-Est Créteil Val-de-Marne - Paris 12 - Université Gustave Eiffel); Cécile Godé (CERGAM - Centre d'Études et de Recherche en Gestion d'Aix-Marseille - AMU - Aix Marseille Université - UTLN - Université de Toulon) |
| Abstract: | Une confusion sémantique réside entre « risques de sécurité de l'information » et « risques cyber » dans la littérature académique spécialisée. A partir d'une revue descriptive, nous interrogeons les terminologies employées afin de préciser l'état de l'art dans le champ. Nous montrons des différences de périmètre entre ces notions et un manque de définition unifiée, et aussi que l'emploi de la composante « cyber » semble rapprocher les mondes académique et professionnel. Forts de ces constats, nous émettons des recommandations pour de futures recherches. |
| Date: | 2024 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04885216 |