Cross-Border Financial Data Sharing in Fintech: Legal and Operational Challenges

BOOKS ? Casalini F, González JL, Trade and Cross-border Data Flows (OECD 2019). ? John W. Rittinghouse and James F Ransome, Cloud Computing: Implementation, Management, and Security (CRC Press, 2017) ? Solove DJ & Schwartz PM, Information Privacy Law (8th Ed., Aspen Publishing, 2023). ? Spiezia V, and Tscheke J, International Agreements on Cross-border Data Flows and International Trade: A Statistical Analysis (OECD 2020). ? Voigt P, and Bussche AV, The EU General Data Protection Regulation (GDPR): A Practical Guide, 1st edn (Springer International Publishing 2017). CHAPTER IN BOOKS ? Dlodlo N, ‘Legal, Privacy, Security, Access and Regulatory Issues in Cloud Computing’ in Proceedings of the European Conference on Information Management & Evaluation (2011) 161-168. ? Wali G, and Bulla C, ‘Suspicious Activity Detection Model in Bank Transactions Using Deep Learning with Fog Computing Infrastructure’ in International Conference on Computational Innovations and Emerging Trends (ICCIET-2024) (2024) 292-302. JOURNAL ARTICLES ? Aaronson SA, ‘Data Is Different, and That’s Why the World Needs a New Approach to Governing Cross-border Data Flows’ (2019) 21(5) Digital Policy, Regulation and Governance 441-460 ? Abdullah Al Mamun, M Kabir Hassan, and Van Son Lai, ‘The Impact of the Gramm- Leach-Bliley Act on the Financial Service Industry, September (2004) 28(3), Journal of Economics and Finance, 333-347 ? Addae JH, Brown M, Sun X, Towey D, and Radenkovic M, ‘Measuring Attitude Towards Personal Data for Adaptive Cybersecurity’ (2017) 25(5) Information & Computer Security 560–579. ? Aidonojie P, Majekodunmi T, & Adeyemi-Balogun O, ‘The Legal Issues Concerning the Operation of Fin-Tech in Nigeria’, (2003) 30(2) Jurnal Media Hukum, 78. ? Bakare SS, and others, ‘Data Privacy Laws and Compliance: A Comparative Review of the EU GDPR and USA Regulations’ (2024) 5(3) Computer Science & IT Research Journal 528. ? Balakrishnan A, Jain V, Chintale P, Gadiparthi S, Najana M, ‘Blockchain Empowerment in Sanctions and AML Compliance: A Transparent Approach’ (2024) International Journal of Computer Trends and Technology ? Balkin JM, ‘The Fiduciary Model of Privacy’ (2020) 134 Harvard Law Review Forum 11 ? Bohmecke-Schwafert m, “The role of blockchain for trade in global value chains: A systematic literature review and guidance for future research” (2024) 48(9) Telecommunications Policy 1. ? Bradford L, Aboy M, Liddell K, ‘Standard Contractual Clauses for Cross-border Transfers of Health Data After Schrems II’ (2021) 8(1) Journal of Law and the Biosciences lsab007 ? Brkan M, ‘Data Protection and Conflict-of-Laws: A Challenging Relationship’ (2016) 2 European Data Protection Law Review 324 ? Bryssinck J, Jacobs T, Simini F, Doddasomayajula R, Koder M, Curbera F, Vishwanath V, Neti C, ‘Harnessing Synthetic Data to Address Fraud in Cross-Border Payments’ (2024) 18 Journal of Payments Strategy & Systems 261-275 ? Bygrave LA, ‘Privacy and Data Protection in an International Perspective’ (2010) 56(8) Scandinavian Studies in Law 165-200 ? Chankil P, Choi Y, Lee C, ‘Secure Multi-Party Computation of Technology Fin-tech’ (2019) 15 Journal of Korea Society of Digital Industry and Information Management 61- 66 ? Chia-Hung L, Guan X-Q, Cheng J-H, Yuan S-M, ‘Blockchain-Based Identity Management and Access Control Framework for Open Banking Ecosystem’ (2022) 135 Future Generation Computer Systems 450-466 ? Christopher L Peterson, Consumer Financial Protection Bureau Law Enforcement: An Empirical Review, 90 (2016) 1057 Tulane Law Review, (2016) 1. ? Clare S, ‘EU GDPR or APEC CBPR? A Comparative Analysis of the Approach of the EU and APEC to Cross Border Data Transfers and Protection of Personal Data in the IoT Era’ (2019) 35(4) Computer Law & Security Review 380-397 ? David Nkang Odu, ‘Impact of AML/CFT regulations on digital disruptions (FinTech) and financial inclusion in Sub-Saharan Africa,’ (2020) 44(2) Bullion, 1. ? Del Alamo JM, Guamán DS, Caiza JC, ‘GDPR Compliance Assessment for Cross-border Personal Data Transfers in Android Apps’ (2021) 9 IEEE Access 15961-15982 ? Dirk A Zetzsche, Anker-Sørensen L, Passador ML, Wehrli A, ‘DLT-Based Enhancement of Cross-Border Payment Efficiency: A Legal and Regulatory Perspective’ (2021) 15 Law and Financial Markets Review 70-115 ? FDIC, ‘Bank Secrecy Act / Anti-Money Laundering (BSA/AML)’ (2024). Retrieved from <https://www.fdic.gov/banker-resource-center/bank-secrecy-act-anti-money-laundering- bsaaml> accessed 21 October, 2024. ? Feyen R and others, ‘Fintech and the digital transformation of financial services: implications for market structure and public policy’ (Bank for International Settlements and the World Bank Group 2021) ? Foad Nahai, 'General Data Protection Regulation (GDPR) and Data Breaches: What You Should Know' (2019) 39(2) Aesthetic Surgery Journal 238-240 ? Gehan Gunasekara, ‘The “Final” Privacy Frontier? Regulating Trans-border Data Flows’ (2009) 17(2) International Journal of Law and Information Technology 147-179 ? Gu Zheng, 'Trilemma and Tripartition: The Regulatory Paradigms of Cross-border Personal Data Transfer in the EU, the US and China' (2021) 43 Computer Law & Security Review 105610 ? He, ‘Fintech and Cross-Border Payments’ (2017) International Monetary Fund ? Hoofnagle CJ, B van der Sloot, & Borgesius FZ, ‘The European Union general data protection regulation: what it is and what it means’ (2019) 28(1) Information & Communications Technology Law, 65. ? Kamaal Zaidi, ‘Harmonizing US-EU Online Privacy Laws: Toward a US Comprehensive Regime for the Protection of Personal Data’ (2003) 12 Michigan State University Journal of International Law 169 ? Keyani C, ‘Lawfare and US Economic Supremacy: The Bank Secrecy Act, FCPA, USA PATRIOT Act, and OFAC Sanctions’ (2023) 1(1) Ohio Northern University International Law Journal 3 ? Klar M, ‘Binding Effects of the European General Data Protection Regulation (GDPR) on US Companies’ (2020) 11 Hastings Science & Technology Law Journal 101 ? Kong L, 'Data Protection and Transborder Data Flow in the European and Global Context' (2010) 21(2) European Journal of International Law 441-456 ? Liao C-H, Guan X-Q, Cheng J-H, Yuan S-M, ‘Blockchain-Based Identity Management and Access Control Framework for Open Banking Ecosystem’ (2022) 135 Future Generation Computer Systems 450-466 ? Lingjie Kong, 'Data Protection and Transborder Data Flow in the European and Global Context' (2010) 21(2) European Journal of International Law 441-456 ? Manuel Klar, ‘Binding Effects of the European General Data Protection Regulation (GDPR) on US Companies’ (2020) 11 Hastings Science & Technology Law Journal 101 ? Matthiesen S, Bjørn P, ‘Why Replacing Legacy Systems Is So Hard in Global Software Development: An Information Infrastructure Perspective’ (2015) Proceedings of the 18th ACM Conference on Computer Supported Cooperative Work & Social Computing 876- 890 ? Meltzer JP, ‘The Internet, Cross?Border Data Flows and International Trade’ (2015) 2(1) Asia & the Pacific Policy Studies 90-102 ? Mitchell AD and Mishra N, Cross-Border Data Regulatory Frameworks: Opportunities, Challenges, and a Future- Forward Agenda, (2024) 34(4) Fordham Intell. Prop. Media & Ent. L.J. 842 ? Mitchell AD, Hepburn J, 'Don't Fence Me In: Reforming Trade and Investment Law to Better Facilitate Cross-border Data Transfer' (2017) 19 Yale Journal of Law & Technology 182 ? Mitchell AD, Mishra N, 'Regulating Cross-border Data Flows in a Data-driven World: How WTO Law Can Contribute' (2019) 22(3) Journal of International Economic Law 389- 416 ? Moslemzadeh Tehrani P, Sabaruddin JH, Ramanathan DAP, ‘Cross Border Data Transfer: Complexity of Adequate Protection and Its Exceptions’ (2018) 34(3) Computer Law & Security Revie