Risks of Proceeding Payments Online

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Globalization is the most significant trend of the twenty-first century. This profound change became possible due to technological progress, and this revolutionary process keeps improving. Although it is good for humanity, the risks occur in all of the structures involved, and severe consequences thread people’s lives. For example, economic risks related to online businesses exist for each user as well as for countries and industries in general. One such risk is proceeding payments through online banks and systems.

Internet payments or online banking are common for most people around the world: almost any amount can be sent quickly from Europe to the US in any preferred currency. However, there is an issue with the banking accounts holders’ private data and its protection. The information placed on the Internet is more vulnerable, and ethical issue is the level of its accessibility in the global network. The billing data shared online is sensitive, and, in the risk of being stolen, it is payment systems’ essential responsibility to store it securely (Chen et al., 2017). Every human has a right for privacy, and when data they shared to pay online is utilized for other purposes, it violates this vital right.

The risk of private data being misused can be mitigated by a strict legal regulation of payment information shared online. For example, the General Data Protection Regulation (GDPR) is implemented by the European Union and requires each Internet service to inform and show how the data given by a customer is used. This regulation allows online banking services to minimize ethical issues, and protect the information on the legislative level. If established on the global level within organizations like the United Nations, people’s right to keep and manage their private information will be unconditional, and ethical issues will not occur.

Reference

Chen, H., Beaudoin, C. E., & Hong, T. (2017). Securing online privacy: An empirical test on Internet scam victimization, online privacy concerns, and privacy protection behaviors. Computers in Human Behavior, 70, 291-302. Web.

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