FinTech and Data Privacy in Germany An Empirical Analysis with Pol
This book examines the FinTech revolution from a data privacy perspective. It analyzes key players on the FinTech market and the developments in various market segments. Particular attention is paid to an empirical analysis of the privacy statements of 50
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FinTech and Data Privacy in Germany An Empirical Analysis with Policy Recommendations
FinTech and Data Privacy in Germany
Gregor Dorfleitner • Lars Hornuf
FinTech and Data Privacy in Germany An Empirical Analysis with Policy Recommendations
Gregor Dorfleitner Center of Finance University of Regensburg Regensburg, Germany
Lars Hornuf Faculty of Business Studies and Economics University of Bremen Bremen, Germany
ISBN 978-3-030-31334-0 ISBN 978-3-030-31335-7 https://doi.org/10.1007/978-3-030-31335-7
(eBook)
Translation from the German language edition: FinTech und Datenschutz by Gregor Dorfleitner and Lars Hornuf Copyright © Springer Fachmedien Wiesbaden GmbH, ein Teil von Springer Nature 2019. All Rights Reserved. © Springer Nature Switzerland AG 2019 This work is subject to copyright. All rights are reserved by the Publisher, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilms or in any other physical way, and transmission or information storage and retrieval, electronic adaptation, computer software, or by similar or dissimilar methodology now known or hereafter developed. The use of general descriptive names, registered names, trademarks, service marks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. The publisher, the authors, and the editors are safe to assume that the advice and information in this book are believed to be true and accurate at the date of publication. Neither the publisher nor the authors or the editors give a warranty, expressed or implied, with respect to the material contained herein or for any errors or omissions that may have been made. The publisher remains neutral with regard to jurisdictional claims in published maps and institutional affiliations. This Springer imprint is published by the registered company Springer Nature Switzerland AG. The registered company address is: Gewerbestrasse 11, 6330 Cham, Switzerland
Foreword
FinTech has become one of the keywords associated with the digitalization of the financial sector and the data-driven economy more generally. In contrast, data protection was certainly a legal keyword in 2018, the year the General Data Protection Regulation (“GDPR”) became binding. It follows that research at the intersection of FinTech services and data protection law promises to be particularly exciting due to a large number of unanswered questions regarding their interaction. This book provides an important first step in examining related issues from an empirical perspective. The book provides the reader with an empirical overview of the substance of the data protection policies of numerous FinTech companies. Despite the fact that financial data as such is not to be regarded as sensitive data under the GDPR, such data nevertheless reveals a lot of important, and oftentimes indeed sens
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