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Identifying and Supporting Financially Vulnerable Consumers in a Privacy-Preserving Manner: A Use Case Using Decentralised Identifiers and Verifiable Credentials
arXiv - CS - Computers and Society Pub Date : 2021-06-10 , DOI: arxiv-2106.06053 Tasos Spiliotopoulos, Dave Horsfall, Magdalene Ng, Kovila Coopamootoo, Aad van Moorsel, Karen Elliott
arXiv - CS - Computers and Society Pub Date : 2021-06-10 , DOI: arxiv-2106.06053 Tasos Spiliotopoulos, Dave Horsfall, Magdalene Ng, Kovila Coopamootoo, Aad van Moorsel, Karen Elliott
Vulnerable individuals have a limited ability to make reasonable financial
decisions and choices and, thus, the level of care that is appropriate to be
provided to them by financial institutions may be different from that required
for other consumers. Therefore, identifying vulnerability is of central
importance for the design and effective provision of financial services and
products. However, validating the information that customers share and
respecting their privacy are both particularly important in finance and this
poses a challenge for identifying and caring for vulnerable populations. This
position paper examines the potential of the combination of two emerging
technologies, Decentralized Identifiers (DIDs) and Verifiable Credentials
(VCs), for the identification of vulnerable consumers in finance in an
efficient and privacy-preserving manner.
中文翻译:
以保护隐私的方式识别和支持财务上易受伤害的消费者:使用去中心化标识符和可验证凭据的用例
弱势个人做出合理的财务决策和选择的能力有限,因此,金融机构为他们提供的适当护理水平可能与其他消费者所需的护理水平不同。因此,识别脆弱性对于金融服务和产品的设计和有效提供至关重要。然而,验证客户共享的信息和尊重他们的隐私在金融领域都特别重要,这对识别和照顾弱势群体提出了挑战。本立场文件探讨了两种新兴技术,即去中心化标识符 (DID) 和可验证凭证 (VC) 相结合的潜力,
更新日期:2021-06-14
中文翻译:
以保护隐私的方式识别和支持财务上易受伤害的消费者:使用去中心化标识符和可验证凭据的用例
弱势个人做出合理的财务决策和选择的能力有限,因此,金融机构为他们提供的适当护理水平可能与其他消费者所需的护理水平不同。因此,识别脆弱性对于金融服务和产品的设计和有效提供至关重要。然而,验证客户共享的信息和尊重他们的隐私在金融领域都特别重要,这对识别和照顾弱势群体提出了挑战。本立场文件探讨了两种新兴技术,即去中心化标识符 (DID) 和可验证凭证 (VC) 相结合的潜力,