Información personal: la nueva moneda de la economía digital

Technological progress has profoundly changed the way personal data are collected, accessed and used. Those data make possible unprecedented customization of advertising which, in turn, is the business model adopted by many of the most successful Internet companies. Yet measuring the value being generated is still a complex task. This paper presents a review of the literature on this subject. It has been found that the economic analysis of personal information has been conducted up to now from a qualitative perspective mainly linked to privacy issues. A better understanding of a quantitative approach to this topic is urgently needed.

A personal data framework for exchanging knowledge about users in new financial services

Personal data is a key asset for many companies, since this is the essence in providing personalized services. Not all companies, and specifically new entrants to the markets, have the opportunity to access the data they need to run their business. In this paper, we describe a comprehensive personal data framework that allows service providers to share and exchange personal data and knowledge about users, while facilitating users to decide who can access which data and why. We analyze the challenges related to personal data collection, integration, retrieval, and identity and privacy management, and present the framework architecture that addresses them. We also include the validation of the framework in a banking scenario, where social and financial data is collected and properly combined to generate new socio-economic knowledge about users that is then used by a personal lending service.