IMF-隐私技术与数字经济（英）

Privacy Technologies & The Digital Economy A Primer for Supervisors Parma Bains and Tamas Gaidosch WP/25/60 IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management. 2025 MAR The authors would like to thank Jay Surti, Dirk Jan Grolleman, Nobu Sugimoto, Itai Agur, Tanai Khiaonarong, Yan Carriere-Swallow, Franko Solomon, and Herve Tourpe for their input © 2025 International Monetary Fund WP/25/60IMF Working Paper Monetary and Capital Markets Privacy Technologies & The Digital Economy: A Primer for Supervisors Prepared by Parma Bains and Tamas Gaidosch Authorized for distribution by Jay Surti March 2025 IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management. ABSTRACT: Ensuring that users and society-at-large derive the maximum benefit from digital technology requires active and open participation in the digital economy. However, such participation is not without risks and users may withhold or withdraw their active participation in response to such factors. One important reason for doing so is users’ privacy concerns, which may induce behavior that limits digital footprints in order to shield personal data from third parties and governments. Coupled with regulation, privacy technologies can help build trust in the digital economy. If designed and deployed appropriately, they could form the basis of trust in the digital economy. We offer three considerations for supervisors. First, they should understand the strengths and weaknesses of privacy technologies, and this primer aims to provide a foundational tool to achieve this. Second, domestic collaboration and international cooperation is indispensable to improving knowledge sharing and providing clarity regarding mandates and rules. Third, they need to understand the cybersecurity implications and tradeoffs in using privacy technologies. RECOMMENDED CITATION: Bains, P. and Gaidosch, T. (2024). Privacy Technologies & The Digital Economy: A Primer for Supervisors. IMF Working Paper, Monetary and Capital Markets. JEL Classification Numbers: G21, O16, O32, O33Keywords: Fintech; cyber; digital; privacy; PET; regulation; supervision; encryption; cryptography Author’s E-Mail Address: pbains@imf.org; tgaidosch@imf.org WORKING PAPERS Privacy Technologies & The Digital Economy A Primer for Supervisors Prepared by Parma Bains and Tamas Gaidosch INTERNATIONAL MONETARY FUND 2 Contents Glossary ..............................................................................................................................................................