2 research outputs found
Trust assessment of account information services providers in Portugal : Banks, Bigtechs, and Fintechs
Account Information Services (AIS) enable users to consolidate all of their payment accounts
information in a single platform. Banks, Bigtechs, and Fintechs are the main candidates to
compete in the AIS market. Banks argue that consumers’ trust puts them in a favourable
position to dominate this market. However, since the recent global financial crisis the level of
trust in banks is considered debatable. The main purpose of this research is to conclude if banks
are right to hold consumers’ trust as a positive differentiator from other providers. After a
careful assessment of the elements determinant to the levels of trust in financial services, the
usage of a primary data source allowed this research to compare different scores between
institutions, not only regarding overall trust, but also in each determinant. Furthermore, this
study measured the strength of the correlations between determinants and the overall
institutional scores, as well as between individual’s trust in the financial system and in each
institution. The results showed that there is no apparent sign that banks are about to be
overthrown as AIS market leaders due to the levels of trust in financial services providers.
However, individuals’ strong association of banks with the system, along with the highest score
of Bigtechs in several determinants, and Fintechs opportunity from their image’s disconnection
with the system, can make the outlook change in the near future.Os Serviços de Informação sobre Contas (AIS) que permitem aos usuários consolidar todas as
suas informações de contas de pagamento agregadas numa plataforma. Bancos, Bigtechs e
Fintechs são os principais candidatos a competir no mercado de AIS. Os bancos argumentam
que a confiança dos consumidores os coloca numa posição favorável para dominar este
mercado. No entanto, desde a crise financeira global, o nÃvel de confiança nos bancos é
discutÃvel. O principal objetivo desta investigação é concluir se os bancos estão certos ao julgar
a confiança dos consumidores como um fator positivo de diferenciação em relação às outras
instituições. A utilização de uma fonte primária de dados permitiu que esta pesquisa comparasse
diferentes pontuações entre instituições, não apenas no que se refere à confiança geral, mas
também em cada determinante. Além disso, este estudo mediu a força das correlações entre os
determinantes e as pontuações institucionais gerais, bem como entre a confiança do indivÃduo
no sistema financeiro e em cada instituição. Os resultados mostraram que não há indÃcios
aparentes de que os bancos estejam prestes a ser derrubados como lÃderes do mercado AIS em
Portugal devido aos nÃveis de confiança nos prestadores de serviços financeiros. No entanto, a
forte associação dos bancos com o sistema por parte dos indivÃduos, junto com a pontuação
mais alta das Bigtechs em vários determinantes, e a oportunidade das Fintechs de sua
desconexão de imagem com o sistema, podem fazer a mudança o paradigma em um futuro
próximo
Role-based Access Management for Ad-hoc Collaborative Sharing
Under scientific collaborations, resource sharing tends to be highly dynamic and often ad hoc. The dynamic characteristics and sharing patterns of ad-hoc collaborative sharing impose a need for comprehensive and flexible approaches to reflect and cope with the unique access control requirements associated with the ad-hoc collaboration. In this paper, we propose a role-based access management framework to enable secure resource sharing, especially focusing on the digital information sharing in the heterogeneous scientific collaboration environments. Our framework incorporates role-based approach to address distributed access control, delegation and dissemination control involved in the resource sharing within such environments. A set of XACML-based policy schemas is proposed to specify policies on our framework. To demonstrate the feasibility of our framework, we design and implement a proof-of-concept prototype system called ShareEnabler, which is based on a peer-to-peer information sharing toolki