Data Privacy in Buy Now Pay Later (BNPL) - A Comprehensive PIA Framework

Antony, Meril (2024) Data Privacy in Buy Now Pay Later (BNPL) - A Comprehensive PIA Framework. Masters thesis, Dublin, National College of Ireland.

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Abstract

The rapid expansion of the BNPL sector has introduced unique set of privacy challenges, concerning the usage, processing, and sharing of user data. This study develops a tailored Privacy Impact Assessment (PIA) framework specific to the BNPL sector, integrating privacy-by-design principles and ISO/IEC 27701 standards. The research employs systematic layers that includes a custom data mining tool, risk assessment matrix and a qualitative evaluation using the PEGS methodology. These tools identify key risks that arises from extensive data collection, third-party sharing, cross-border transfers, and automated decision-making practices. The tailored framework ensures compliance with GDPR and international standards while focusing on transparency, accountability, and privacy solutions. Evaluation of the framework by PEGS method demonstrated high efficiency. Future research aims to include stakeholder engagement to refine the privacy practices. This research largely contributes to advancing privacy frameworks for Fintech ecosystem, safeguarding user data in a digital era.

Item Type:	Thesis (Masters)
Supervisors:	Name Email Mahajan, Kamil UNSPECIFIED
Subjects:	Q Science > QA Mathematics > Electronic computers. Computer science T Technology > T Technology (General) > Information Technology > Electronic computers. Computer science Q Science > QA Mathematics > Computer software > Computer Security T Technology > T Technology (General) > Information Technology > Computer software > Computer Security K Law > KDK Republic of Ireland > Data Protection
Divisions:	School of Computing > Master of Science in Cyber Security
Depositing User:	Ciara O'Brien
Date Deposited:	18 Jul 2025 09:27
Last Modified:	18 Jul 2025 09:27
URI:	https://norma.ncirl.ie/id/eprint/8190

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