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Three essays on the economics of privacy and financial information

Abstract : This thesis investigates the economic consequences of consumers’ control over the level of personal information they are willing to share with firms. This subject is vital for the digital economy as many firms collect and use information about consumers to increase their revenues. Firms may face greater difficulty to generate profit from personal data. Firstly, because consumers are increasingly concerned about their privacy. Secondly, because more and more privacy-enhancing technologies (PETs) become available. We find in the thesis that the use of PETs could positively influence consumers’ willingness to share personal information, enabling a data collection that takes privacy concerns into account. We make similar conclusions in the case of financial information. Developing the use of non-bank payment instruments (and thus allowing consumers to hide some information to banks) could benefit e-commerce, leading consumers to buy more online. Finally, in a context where consumers are concerned with their privacy, banks may benefit from making screening less intrusive, as it would improve their lending strategy.
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Submitted on : Monday, April 26, 2021 - 5:56:12 PM
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  • HAL Id : tel-03208715, version 1


Yann Balgobin. Three essays on the economics of privacy and financial information. Economics and Finance. Télécom ParisTech, 2018. English. ⟨NNT : 2018ENST0038⟩. ⟨tel-03208715⟩



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