THE INFORMATION ERA THREATENS PRIVACY: A Comparative Study of Electronic Money’s Privacy Policies and Privacy Laws

This thesis consists of an analysis of electronic money (e-money), e-money’s privacy policies and relevant privacy laws. The value of information and the development of technology enhance the risk of privacy violations in the information era. Consumer privacy interests with respect to e-money are governed in part by the Personal Information Protection and Electronic Documents Act (PIPEDA) in Canada and by the European Union’s Data Protection Directive. The analysis is directed at whether the privacy policies of three kinds of e-money – Octopus Card, PayPal and MasterCard – comply with the spirit and letter of these laws. In light of technology change, the laws should be interpreted to apply broadly to protect privacy interests. Enhanced privacy protection may in fact lead to greater adoption of e-money by consumers.

A State of Minds : Canada in the Information Era (Working Paper 10)

Globalization and the knowledge/ information revolution are signalling the advent of a new societal order, one with profound and pervasive implications for citizens, for markets, for governments and, therefore, for public policy. This new global order is a truly remarkable watershed in the annals of human history and, as is the case with all such great transformations, it carries with it both enormous opportunities and daunting challenges. Building on my 1999 Mabel Timlin Lecture at the University of Saskatchewan, I want to share with you my perspectives on the nature of some of these opportunities and challenges, with an eye toward drawing out the implications for the evolution of the Canadian society and economy.