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Currently working on how digital activists use social media to spread awareness and create change.

Hi, I am currently pursuing my PhD study whereby my topic related to Digital Banking, Fintech and Cryptocurrency with the Financial Inclusion in the Asia Pacific Region.

Is there any articles that I could refer to getting an ideas on what type of proxies / variables being used to measure the following areas:

01. Digital Banking performance in the banking sector with the financial Inclusion

02. Fintech and Digital Banking as the catalyst for the financial inclusion

03.Impact of the crypto currency on the drift of demand for liquidity in jurisdictional currency with the special reference to the substitution of digital banking activism trend

Thanking You

Since 2015, as an instructor residing in Ukraine, I deployed Facebook Groups as a community-learning apparatus in online undergraduate courses at a Canadian university. Early on, learners tended to express enthusiasm or mild curiosity about this technological orchestration, and over the years, the affordances of Facebook Groups consistently facilitated rich forms of online community learning (Barber & Blayone, 2018; Blayone et al., 2017). Over the years, however, increasing numbers of participants voiced a measure of concern about using Facebook for formal education. In 2020, one student suggested that I might be ignoring the dire warnings of Western media (Gibbs, 2015; Hern, 2020), former Facebook insiders and a Netflix documentary. Indeed, overall, students were expressing greater concerns about Facebook’s reported adverse psychological, social and political effects. Granted, the Cambridge Analytical scandal and the US Federal Trade Commission’s record-breaking five-billion dollar fine for Facebook’s ‘mishandling’ of user information exposed tendencies of platform capitalism that had hitherto gone mostly unnoticed. Yet, even after these punishing blows, Facebook’s profits and global membership continued to soar. Moreover, a substantial body of empirical findings had accumulated demonstrating that, for all its shortcomings, Facebook had contributed meaningfully to free expression, community building, social activism, democratic uprisings and neighbourhood development around the globe.

I routinely reviewed both Western and non-Western media coverage and social-scientific research addressing Facebook. Moreover, as a former director of digital publishing at a Canadian news conglomerate, I was familiar with the shifting flow of advertising dollars to global online platforms, and the efforts of traditional media to position themselves in the public consciousness against Facebook as defenders of democracy. I was also aware that Western media coverage and the priorities of socio-economically privileged societies lacked nuance, and sometimes ignored the many socially-productive ways Facebook, a firm based in California, USA, was used and perceived globally. This would seem to be a major oversight given that India has the greatest Facebook audience by far (310 million users), and after the United States (with 190 million users), the other top-fifteen nations (in order) are Indonesia (140 million), Brazil (130 million), Mexico (92 million), Philippines (81 million), Vietnam (65 million), Thailand (50 million), Egypt (44 million), Bangladesh (39 million), Pakistan (39 million), United Kingdon (39 million) and Turkey (37 million). Of course, despite the relatively minor position of Western users, one would expect Western ‘big tech’ conglomerates and emergent forms of platform capitalism to remain subject to scrutiny by Western societies concerned about their own ‘digital futures.’

I am currently interested in the question if and how one can make use of Randall Collins' (2004) IRC theory for a better understanding of social dynamics in the digital sphere (e.g. digital activism, digital moral outrage, digital community building) and in the digital society in general (e.g. ideological polarization in western democracies). Following Collins rituals are a mechanism of mutually focused emotion and attention producing a (momentarily) shared reality, which thereby generates solidarity and symbols of group membership. In Collins' understanding rituals are essentially a bodily process, which is why he is very skeptical that digital interactions have sufficient intensity for generating symbols and solidarity. At first sight, Collins reluctance seems to be quite plausible. Do we not all experience during the corona crisis that digital rituals (convivial gatherings online, online lecturing etc.) are not more than lame substitutes of their f2f counterparts? Sure, digital rituals are less intense, but this does not mean that they are empty rituals that do not contribute to the (re)production of moral feelings, feelings of membership, symbols, etc. Although there are a few empirical studies of digital interactions that apply IRC theory (Maloney 2012, DiMaggio et al. 2019), a systematic discussion of the potentials and limits of the theory is missing yet. My intuition is that such a discussion would be fruitful and that IRC theory has the potential to stimulate a mirco-sociological research agenda for the digital society. I am looking for persons who share this intuition and are interested in a discussion.

Here are three topics I would like to discuss:

(1) Digital rituals: Can Collins' ritual model be used to capture digital interactions or do we need a distinctive model for digital rituals?

(2) Hybrid ritual chains: According IRC theory, the social consists out of chains of interaction rituals. Since on- and offline processes are intertwined (“onlife”, Selwyn 2019), we have to deal with hybrid ritual chains. Can types of hybrid chains be identified? How do f2f and digital rituals interact? Do digital rituals primarily have the function of bridging rituals?

(3) Ritual explanation of affective dynamics in the digital sphere: At least as much as the internet is an information and knowledge machine, it is an “affect machine” (Reckwitz) which brings charged symbols into circulation. Can IRC theory contribute to our understanding of affective dynamics like for instance digital moral outrage?

JAS Perplexity.ai LLM (Derivatives: Coping and Pasto)

do you have realtime media update via Internet?

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HDX RealTime Media Engine (latest Current Release version) for Microsoft Skype® for Business - Citrix

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HDX RealTime Media Engine for Microsoft Skype® for Business - Citrix

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How does one do realtime updates of a web page? - Stack Overflow

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Yes, I have real-time media updates via the internet. Here are some examples:

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do tell me what the verdict on Trump was today

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Donald Trump set to testify in his own $250 million civil fraud trial - ABC News

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Trump storms out of his civil fraud trial after facing off with foe Michael Cohen - NBC News

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Trump trial nears end as prosecutors confident he 'didn't have the goods' - The Guardian

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.As of today, there is no final verdict on the $250 million civil fraud trial against Donald Trump and his company13. The trial is ongoing, and Trump has been called to testify twice, with the judge finding his testimony "not credible"1. The judge overseeing the case, Justice Arthur Engoron, has already ruled that Trump and his adult sons are liable for using "false and misleading" statements to conduct business, but the trial is still determining additional actions and potential penalties for the defendants1. Trump has appealed this ruling and criticized both New York Attorney General Letitia James and Judge Engoron as politically motivated1. The outcome of the trial could have significant implications for the future of Trump's corporate empire, but it is not a criminal case, so he would not face jail time regardless of the outcome3

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what legal basis exists for signing off on financial facts when the person signs a document and says others were responsible for it? as with Donald Jr.? define Trump's condition-situation

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Rule 11. Signing Pleadings, Motions, and Other Papers; Representations to the Court; Sanctions | Federal Rules of Civil Procedure - Law.Cornell.Edu

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How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act | Federal Trade Commission

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Trump fraud trial live updates: Trump distances himself from financial statements

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It is worth noting that the specific legal basis for signing off on financial facts while claiming that others were responsible for them may vary depending on the jurisdiction and the nature of the case.In the context of the $250 million civil fraud trial involving former President Donald Trump, it is unclear what specific legal basis exists for signing off on financial facts while claiming that others were responsible for them. However, there are some general legal principles that may be relevant:. Rule 11 of the Federal Rules of Civil Procedure: This rule requires that every pleading, written motion, and other paper be signed by at least one attorney of record in the attorney's name, or by a party personally if the party is unrepresented1. The purpose of this rule is to ensure that the signer has conducted a reasonable inquiry into the facts and the law before submitting the document to the court1. Privacy Rule of the Gramm-Leach-Bliley Act: This rule applies to businesses that are "significantly engaged" in "financial activities" and requires them to notify their customers about their information-sharing practices and tell consumers of their right to "opt-out" if they don't want their information shared with certain nonaffiliated third parties2. Financial institutions that receive consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information2. However, without more specific information about the case, it is difficult to determine which laws and regulations may be relevant. Other relevant laws and regulations: There may be other laws and regulations that are applicable to the specific situation, such as banking-related statutes and regulations4

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their conduct appears to be a violation of Rule 11, no?

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Rule 11. Signing Pleadings, Motions, and Other Papers; Representations to the Court; Sanctions | Federal Rules of Civil Procedure - Law.Cornell.Edu

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[PDF] Avoiding Sanctions under Federal Rule 11: A Lawyer's Guide to the "New" Rule - Mitchell Hamline Open Access

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Legal Definition of Sanctions Rule 11: What You Need to Know - UpCounsel

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.Rule 11 of the Federal Rules of Civil Procedure provides that a district court may sanction attorneys or parties who submit pleadings for an improper purpose or that contain frivolous arguments or arguments that have no evidentiary support3. However, the application of Rule 11 has been a subject of confusion and debate, with some arguing that it has not been effective in deterring abuses1.To determine whether a conduct is a violation of Rule 11, it is necessary to consider the specific circumstances and the standard of conduct expected of attorneys who sign pleadings and motions1. If a violation of Rule 11 is found, the court may impose appropriate sanctions, which may include an order to pay the other party or parties the amount of the reasonable expenses incurred because of the filing of the pleading, motion, or other paper, including a reasonable attorney's fee3

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what is rule 11 in the federal rules of civil procedure

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[PDF] Avoiding Sanctions under Federal Rule 11: A Lawyer's Guide to the "New" Rule - Mitchell Hamline Open Access

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Sanctions Under Amended Federal Rule 11: Some 'Chilling' Problems in the Struggle Between Compensation and Punishment | Office of Justice Programs

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Violating Rule 11's Investigative Requirement Alone Simply May Not Be Enough for Exceptionality Determination to Award Attorneys' Fees - Finnegan

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Rule 11 in the Federal Rules of Civil Procedure is a provision that governs the signing of pleadings, motions, and other papers filed with the court. It requires attorneys or unrepresented parties to certify that the filing is not for any improper purpose, such as harassment or delay, and that it has a reasonable legal and factual basis after a reasonable inquiry

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. The rule aims to deter baseless and tactically motivated filings while still allowing for vigorous advocacy

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.Some key points about Rule 11 include:

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what about financial documents as in this case?

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How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act | Federal Trade Commission

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Law, Regulations, Related Acts - FDIC

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Donald Trump Jr. says he played minor role in company finances - Reuters

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. However, in the context of the recent civil fraud trial involving Donald Trump and his family businesses, it is not clear whether Rule 11 specifically applies to the signing off on financial facts by Donald Trump Jr. or others involved in the case.Rule 11 in the Federal Rules of Civil Procedure applies to all pleadings, motions, and other papers filed with the court, including financial documents. The rule requires attorneys or unrepresented parties to certify that the filing is not for any improper purpose, such as harassment or delay, and that it has a reasonable legal and factual basis after a reasonable inquiry25

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what are the legal requirements for businesses to protect consumer financial information

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Financial Privacy | Federal Trade Commission

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Your Financial Privacy Rights | State of California - Department of Justice - Office of the Attorney General

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How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act | Federal Trade Commission

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By complying with these laws and regulations, businesses can help ensure the protection of consumer financial information and maintain the trust of their customers.To protect consumer financial information, businesses must comply with state and federal laws, including the Gramm-Leach-Bliley Act (GLBA) and the Privacy Rule enforced by the Federal Trade Commission (FTC). Here are the key legal requirements:. Financial Modernization Act (GLBA): Enacted in 1999, this federal law requires financial institutions, including banks, securities firms, insurance companies, and other companies providing financial products and services, to take steps to protect the privacy of consumers' finances1. Privacy Rule: Enforced by the FTC, this rule governs how financial institutions can collect and disclose customers' personal financial information. It requires financial institutions to notify their customers about their information-sharing practices and provide opt-out options for sharing with nonaffiliated third parties3. Safeguards Rule: Also part of the GLBA, this rule requires all financial institutions to maintain safeguards to protect customer information1. California Financial Information Privacy Act (FIPA): California law gives consumers additional rights to limit the sharing of their personal financial information by financial service companies doing business in the state2. Right to Financial Privacy Act (RFPA): This federal law protects the confidentiality of personal financial records and requires government agencies to provide individuals with notice and an opportunity to object before a bank or other specified institution can disclose personal financial information to a federal government agency, often for law enforcement purposes5. Privacy Notices: Financial service providers must publish privacy notices about how they use and share personal information. These notices must be accurate and understandable6

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how do these rules protect the impoverished?

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[PDF] Privacy, Poverty, and Big Data: A Matrix of Vulnerabilities for Poor Americans - Washington University Open Scholarship

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[PDF] Avoiding Sanctions under Federal Rule 11: A Lawyer's Guide to the "New" Rule - Mitchell Hamline Open Access

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Trading privacy for survival is another tax on the poor - Fast Company

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.Privacy and data protection laws, such as the Gramm-Leach-Bliley Act (GLBA) and the Privacy Rule enforced by the Federal Trade Commission (FTC), aim to protect all consumers, including the impoverished, by:. Limiting the disclosure of nonpublic personal information: Financial institutions are required to provide notices of their privacy policies and practices, allowing consumers to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties, unless the disclosure falls under certain exceptions6. Shifting the burden of data privacy onto providers: Providers should be responsible for using data only for legitimate purposes and in a manner that serves customers' interests. This approach can help protect the privacy of poor consumers and build trust in the digital economy5. Addressing privacy vulnerabilities: Poor people may face magnified privacy vulnerabilities due to community-specific patterns around technology use and knowledge gaps about privacy and security-protective tools. Efforts should be made to identify and address these vulnerabilities1While privacy and data protection laws can help protect the impoverished, there are ongoing discussions about the need for new approaches and foundational rights that are future-ready to ensure adequate protection in the evolving digital landscape5

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that kinda sidesteps the matter though, no? restate and objectify

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[PDF] New Approaches to Data Protection and Privacy - CGAP

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Sanctions Under Amended Federal Rule 11: Some 'Chilling' Problems in the Struggle Between Compensation and Punishment | Office of Justice Programs

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Financial Privacy Rule | Federal Trade Commission

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.Privacy and data protection laws, such as the Gramm-Leach-Bliley Act (GLBA) and the Privacy Rule enforced by the Federal Trade Commission (FTC), aim to protect all consumers, including the impoverished, by:. Limiting the disclosure of nonpublic personal information: Financial institutions are required to provide notices of their privacy policies and practices, allowing consumers to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties, unless the disclosure falls under certain exceptions3. Shifting the burden of data privacy onto providers: Providers should be responsible for using data only for legitimate purposes and in a manner that serves customers' interests. This approach can help protect the privacy of poor consumers and build trust in the digital economy1. Addressing privacy vulnerabilities: Poor people may face magnified privacy vulnerabilities due to community-specific patterns around technology use and knowledge gaps about privacy and security-protective tools. Efforts should be made to identify and address these vulnerabilities1While privacy and data protection laws can help protect the impoverished, there are ongoing discussions about the need for new approaches and foundational rights that are future-ready to ensure adequate protection in the evolving digital landscape1

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again, those rules aren't eliminating the problem. namely transparency over funds and freedom definitions

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Financial Privacy Rule | Federal Trade Commission

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Financial Privacy | Federal Trade Commission

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What is Financial Privacy Law? | Winston & Strawn Law Glossary

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.The Federal Rules of Civil Procedure, specifically Rule 11, are not directly aimed at protecting the impoverished. Instead, they focus on promoting transparency, fairness, and efficiency in the legal system by imposing sanctions on attorneys or parties who file frivolous or improper pleadings, motions, or other legal documents. The rule requires attorneys to certify that the documents they file have a proper legal and factual basis and are not interposed for any improper purpose4.To protect consumer financial information, businesses are required to comply with the Financial Privacy Rule, which is part of the Gramm-Leach-Bliley Act (GLBA). Under the GLBA, financial institutions must provide notices of their privacy policies and practices, limit the disclosure of nonpublic personal information, and allow consumers to opt out of certain information sharing with nonaffiliated third parties1235. This helps to ensure that consumers have control over how their financial information is used and shared.While these rules and regulations provide some level of protection for consumers, they may not fully address concerns about transparency over funds and freedom definitions. Privacy and data security issues can be complex, and there is ongoing debate about the effectiveness of existing regulations in addressing the challenges posed by new technologies and evolving business practices6

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if the laws don't point to the solution, they are broken

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Rule 11—Use It Wisely - Mintz

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[PDF] Avoiding Sanctions under Federal Rule 11: A Lawyer's Guide to the "New" Rule - Mitchell Hamline Open Access

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Rule 11 Sanctioning Process - Office of Justice Programs

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If the laws don't point to the solution, it doesn't necessarily mean that they are broken. Laws are designed to provide a framework for resolving disputes and maintaining order in society. However, there may be situations where the application of a particular law is not clear or does not lead to a satisfactory resolution. In such cases, it may be necessary to reevaluate the law or develop new legal frameworks to address the issue at hand. This process of legal evolution is a normal part of the functioning of a legal system.

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when poor people cannot adequately voice their grievances, the law and system is broken. i beg to differ

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Poor bear the brunt as global justice system fails 5.1 billion people – study - The Guardian

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[PDF] Recognized and Violated by International Law: The Human Rights of the Global Poor - ohchr

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[PDF] Why Developing Countries Prove So Resistant to the Rule of Law

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When poor people cannot adequately voice their grievances, it can be an indication that the law and system are broken. Here's why:

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how many people live on

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Demographics of the United States - Wikipedia

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United States Population 2023 (Live)

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United States of America (USA) population (2023) live - Countrymeters

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.As of July 1, 2022, the United States had an estimated resident population of 333,287,557, according to the U.S. Census Bureau15. However, the current population of the United States is estimated to be 340,632,365 as of November 6, 2023, based on Worldometer elaboration of the latest United Nations data4. The United States is the third most populous country in the world, behind China and India2

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how many people live on Earth today?

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How Many People Have Ever Lived on Earth? - National Institute of Corrections

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World Population Clock: 8.1 Billion People (LIVE, 2023) - Worldometer

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Global population - The human race at 8 billion - Axios

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.As of October 30, 2023, the current world population is estimated to be approximately 8.1 billion people2. This number is constantly changing due to births, deaths, and migration. Estimating the total number of people who have ever lived on Earth is a complex task, as it involves making assumptions about population growth rates and the span of human existence. One estimate suggests that around 117 billion people have been born since 190,000 B.C.E., while others have provided estimates ranging from 45 billion to 125 billion1

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so justify the law according to your definitions, given this realization of unfairness

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Unfair Definition - Law Insider

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[PDF] Defining Unfairness in "Unfair Trade Practices"

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UNFAIR Definition & Usage Examples - Dictionary.com

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While the law may not always provide a perfect solution to every problem, it is a crucial tool for addressing and rectifying unfairness in society.The law is a system of rules that a society or government develops to deal with crime, business agreements, and social relationships5. It is designed to provide structure, order, and fairness in a given society. However, the interpretation and application of the law can sometimes lead to unfairness or inequity. In such cases, it is important to identify and address these issues to ensure that the law serves its intended purpose.Unfairness can manifest in various ways, such as:. Unfair discrimination: Treating individuals or groups in a biased or prejudiced manner, based on factors such as race, gender, or previous criminal convictions1. Unfair trade practices: Engaging in immoral, unethical, oppressive, unscrupulous, or substantially injurious conduct towards consumers2. Unjust laws: Laws that treat a person or group badly in a way that they do not deserve5To address these issues, it is crucial to have a legal system that:. Deters unfair conduct: Imposing sanctions, such as those under Rule 11 of the Federal Rules of Civil Procedure, to discourage frivolous or improper legal actions6. Compensates for unfairness: Providing remedies or compensation to those who have been harmed by unfair practices or laws6. Promotes transparency and accountability: Ensuring that the legal process is open, accessible, and subject to review, to prevent the accumulation of large awards that create incentives for satellite litigation6. Protects the rights of the vulnerable: Establishing safeguards and protections for individuals or groups who may be disproportionately affected by unfairness, such as the impoverished4

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when you say sometimes, i'm proclaiming this broken law condition is persistent and dangerous to civilization

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[PDF] Why Developing Countries Prove So Resistant to the Rule of Law

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The Vulnerable World Hypothesis - Bostrom - 2019 - Global Policy - Wiley Online Library

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What is the likelihood that civilizational collapse would cause technological stagnation? (outdated research) - Effective Altruism Forum

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By addressing these issues, we can work towards a legal system that is more fair, equitable, and responsive to the needs of all individuals, including the impoverished.The law is a system of rules that a society or government develops to deal with crime, business agreements, and social relationships5. It is designed to provide structure, order, and fairness in a given society. However, the interpretation and application of the law can sometimes lead to unfairness or inequity. In such cases, it is important to identify and address these issues to ensure that the law serves its intended purpose.Unfairness and inequity can arise from various factors, including:Lack of access to legal representation: Poor individuals may not have the resources to hire a lawyer, which can put them at a disadvantage in legal proceedings. Complexity of the legal system: The legal system can be difficult to navigate, especially for those without legal training. This can make it challenging for individuals to understand their rights and effectively advocate for themselves. Bias and discrimination: The law should be applied impartially, but bias and discrimination can influence the outcomes of legal cases, particularly for marginalized groups. Inadequate legal protections: Some laws may not adequately protect the rights and interests of all individuals, leaving certain groups vulnerable to exploitation or harm. To address these issues, it is necessary to:Improve access to legal representation: This can be done through pro bono services, legal aid programs, and other initiatives that provide free or low-cost legal assistance to those in need. Simplify the legal system: Making the law more accessible and easier to understand can help individuals navigate the legal process more effectively. Promote diversity and inclusion in the legal profession: Having a diverse group of legal professionals can help ensure that different perspectives are represented and that bias and discrimination are minimized. Advocate for stronger legal protections: Identifying gaps in existing laws and working to close them can help ensure that the rights and interests of all individuals are adequately protected.

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alright, now we are getting somewhere,... define the bridge between "as-is" conditions and a "bridge" to-be better way of life

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Chapter 6 --Brief Humanistic and Existential Therapies

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4 Reasons Why Homeowners Decide To Sell Their Homes ...

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The Vulnerable World Hypothesis - Bostrom - 2019 - Global Policy - Wiley Online Library

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To bridge the gap between the current conditions and a better way of life, it is necessary to:

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would requiring proof of life help? as with robocalls and the future of AI etc...

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FCC Wants to Fight Robocalls With Artificial Intelligence - AARP

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Senate lawmakers identify AI as potential solution for combating robocalls, scams

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Robocalling is already an issue for Americans. AI is making it worse - CNBC

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.Requiring proof of life may not be a direct solution to the problem of protecting consumer financial information, but it could potentially help in combating scams and fraudulent activities, such as robocalls and deepfake voice impersonations. The use of artificial intelligence (AI) in these malicious activities is a growing concern, as it allows scammers to mimic the voices of someone you know and communicate with you in real time34.The Federal Communications Commission (FCC) has recognized the potential of AI in fighting robocall scams and is considering ways to verify the authenticity of legitimately generated AI voice or text content1. Senate lawmakers are also exploring the use of AI to protect consumers from illegal robocalls and robotexts2. However, the AI discussed in these contexts is different from the generative AI that bad actors often use to scam citizens2.While requiring proof of life may not be a comprehensive solution, it could be one of the many tools used to address the evolving challenges posed by AI technology. The government, law enforcement, and businesses need to work together to develop proactive strategies that protect consumers, especially the vulnerable populations, from the negative impacts of AI and other emerging technologies356

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explain how it might be a direct solution

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[PDF] Defining Unfairness in "Unfair Trade Practices"

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The Vulnerable World Hypothesis - Bostrom - 2019 - Global Policy - Wiley Online Library

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Chapter 6 --Brief Humanistic and Existential Therapies

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[PDF] Why Developing Countries Prove So Resistant to the Rule of Law

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.Requiring proof of life may not be a direct solution to the problem of protecting consumer financial information, but it could potentially help in combating scams and fraudulent activities, such as robocalls and deepfake voice impersonations. The use of artificial intelligence (AI) in these malicious activities is a growing concern, as it allows scammers to mimic the voices of someone you know and communicate with you in real time34.The Federal Communications Commission (FCC) has recognized the potential of AI in fighting robocall scams and is considering ways to verify the authenticity of legitimately generated AI voice or text content1. Senate lawmakers are also exploring the use of AI to protect consumers from illegal robocalls and robotexts2. However, the AI discussed in these contexts is different from the generative AI that bad actors often use to scam citizens2.While requiring proof of life may not be a comprehensive solution, it could be one of the many tools used to address the evolving challenges posed by AI technology. The government, law enforcement, and businesses need to work together to develop proactive strategies that protect consumers, especially the vulnerable populations, from the negative impacts of AI and other emerging technologies3

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it could do more than this given biometrics, no?

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Public Agencies' Use of Biometrics to Prevent Fraud and Abuse: Risks and Alternatives

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Biometric Authentication Can Help Merchants Reduce Fraud, but It's Not Foolproof

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5 Ways Biometrics Help Fight Fraud - ID R&D

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By implementing these solutions, businesses can better protect consumer financial information, prevent fraud, and ensure a more transparent and secure financial system for all individuals, including the impoverished.Requiring proof of life, combined with the use of biometrics, can be a direct solution to protect consumer financial information and prevent fraud. Biometrics, such as fingerprints, faces, irises, and voices, have unique properties that make them an effective barrier against fraudsters attempting to impersonate individuals6. Here's how this solution can work:Proof of life: Requiring individuals to provide proof of life, such as a recent photograph or a video recording, can help ensure that the person accessing the financial information is alive and authorized to do so. This can be particularly useful in cases where individuals are unable to adequately voice their grievances, as it provides an additional layer of protection. . Biometric authentication: Once proof of life is established, individuals can enroll their biometric data, such as fingerprints or facial features, which will be used for future authentication. Biometric authentication is more secure than traditional methods, such as passwords, as it relies on something the individual is, rather than something they know3. This can help prevent fraud by detecting high-risk scenarios and anomalies in login patterns5. Additionally, the biometric data should be securely stored and protected to prevent unauthorized access. Data minimization: To address privacy concerns, a data minimization approach should be taken, where only the necessary biometric data is collected and processed for authentication purposes1. This hybrid approach can help merchants and financial institutions fight fraud with fewer recognition errors. Combining biometrics with other advanced ID technology: To further enhance security and reduce fraud, biometric authentication can be combined with other advanced ID technology, such as fingerprint identification and voice recognition2