This practice-oriented book is a unique guide to the implementation of usable, privacy-compliant and secure online services in the area of e-government. Beginning with a clarification of basic concepts of usability, data privacy, and cybersecurity, the book provides lucid explanations of different methods (quantitative, qualitative, and mixed methods) that can be applied in the practice of designing, developing, and evaluating online public services in light of both usability criteria and data privacy and IT security compliance. A number of examples and exercises are included as well as awareness-raising measures that can serve as orientation both for practitioners and for teaching purposes. There is also a concise glossary of terms along with recommendations for further reading. This book provides comprehensive coverage of usability, data privacy and information security topics. At the time of going to press, it is also up to date with respect to the implementation of the EU Single Digital Gateway regulation. It is therefore aimed at anyone interested in understanding the principles of usable privacy and information security and in ways of contributing to the design, development, and evaluation of online public services that satisfy the needs of the public. The book’s audience thus includes not only students in the areas of e-government or public administration but also professionals developing online services or e-government applications.
This paper analyzes the potential for fintech to facilitate cheaper and more efficient remittances, and to enhance financial inclusion in Central America. Digital remittances remain nascent in the region, primarily reflecting behavioral inertia, small cost advantages of digital over traditional channels, and inadequate financial literacy. Through expanded alliances between traditional and fintech operators, digital remittances can further reduce transaction costs and reach those remote, low-income households in a timely and secure manner. A meaningful expansion of fintech remittances necessitates an enabling regulatory environment for digital financial services, and KYC and AML/CFT requirements proportionate to the value of transfers.
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