Towards Better Use of Credit Reporting in Europe. CEPS-ECRI Task Force Report, September 2013

This report discusses how the current EU credit reporting systems meet the demands of the different stakeholders in the credit granting and management process, and what is needed to improve these systems. As credit reporting is a tool for responsible lending and for ensuring financial inclusion of consumers, it argues that the needs of EU credit markets and consumers should be the basis for assessing the current regulation and its functionality. How a creditor assesses the risk and the creditworthiness of a customer is at the core of successful and safe crediting. Facilitating this assessment process, within the boundaries of data protection laws, is a key building block for making well-informed credit decisions.

10th National Computer Security Conference : proceedings : 21-24 September, 1987.

AD-A219 100.

21st National Information Systems Security Conference : building the information security bridge to the 21st century : October 5-8, 1998, Hyatt Regency Crystal City, Arlington, Va.

Cover title.

11th National Computer Security Conference : proceedings, 17-20 October, 1988.

AD-A219 099.

Information systems : agencies overlook security controls during development : report to the Chairman, Committee on Science, Space, and Technology, House of Representatives /

"B-229223"--p. [1]

The missing ingredient:inter-municipal cooperation and central-local relations in the UK

The thrust of the argument presented in this chapter is that inter-municipal cooperation (IMC) in the United Kingdom reflects local government's constitutional position and its exposure to the exigencies of Westminster (elected central government) and Whitehall (centre of the professional civil service that services central government). For the most part councils are without general powers of competence and are restricted in what they can do by Parliament. This suggests that the capacity for locally driven IMC is restricted and operates principally within a framework constructed by central government's policy objectives and legislation and the political expediencies of the governing political party. In practice, however, recent examples of IMC demonstrate that the practices are more complex than this initial analysis suggests. Central government may exert top-down pressures and impose hierarchical directives, but there are important countervailing forces. Constitutional changes in Scotland and Wales have shifted the locus of central- local relations away from Westminster and Whitehall. In England, the seeding of English government regional offices in 1994 has evolved into an important structural arrangement that encourages councils to work together. Within the local government community there is now widespread acknowledgement that to achieve the ambitious targets set by central government, councils are, by necessity, bound to cooperate and work with other agencies. In recent years, the fragmentation of public service delivery has affected the scope of IMC. Elected local government in the UK is now only one piece of a complex jigsaw of agencies that provides services to the public; whether it is with non-elected bodies, such as health authorities, public protection authorities (police and fire), voluntary nonprofit organisations or for-profit bodies, councils are expected to cooperate widely with agencies in their localities. Indeed, for projects such as regeneration and community renewal, councils may act as the coordinating agency but the success of such projects is measured by collaboration and partnership working (Davies 2002). To place these developments in context, IMC is an example of how, in spite of the fragmentation of traditional forms of government, councils work with other public service agencies and other councils through the medium of interagency partnerships, collaboration between organisations and a mixed economy of service providers. Such an analysis suggests that, following changes to the system of local government, contemporary forms of IMC are less dependent on vertical arrangements (top-down direction from central government) as they are replaced by horizontal modes (expansion of networks and partnership arrangements). Evidence suggests, however that central government continues to steer local authorities through the agency of inspectorates and regulatory bodies, and through policy initiatives, such as local strategic partnerships and local area agreements (Kelly 2006), thus questioning whether, in the case of UK local government, the shift from hierarchy to network and market solutions is less differentiated and transformation less complete than some literature suggests. Vertical or horizontal pressures may promote IMC, yet similar drivers may deter collaboration between local authorities. An example of negative vertical pressure was central government's change of the systems of local taxation during the 1980s. The new taxation regime replaced a tax on property with a tax on individual residency. Although the community charge lasted only a few years, it was a highpoint of the then Conservative government policy that encouraged councils to compete with each other on the basis of the level of local taxation. In practice, however, the complexity of local government funding in the UK rendered worthless any meaningful ambition of councils competing with each other, especially as central government granting to local authorities is predicated (however imperfectly) on at least notional equalisation between those areas with lower tax yields and the more prosperous locations. Horizontal pressures comprise factors such as planning decisions. Over the last quarter century, councils have competed on the granting of permission to out-of-town retail and leisure complexes, now recognised as detrimental to neighbouring authorities because economic forces prevail and local, independent shops are unable to compete with multiple companies. These examples illustrate tensions at the core of the UK polity of whether IMC is feasible when competition between local authorities heightened by local differences reduces opportunities for collaboration. An alternative perspective on IMC is to explore whether specific purposes or functions promote or restrict it. Whether in the principle areas of local government responsibilities relating to social welfare, development and maintenance of the local infrastructure or environmental matters, there are examples of IMC. But opportunities have diminished considerably as councils lost responsibility for services provision as a result of privatisation and transfer of powers to new government agencies or to central government. Over the last twenty years councils have lost their role in the provision of further-or higher-education, public transport and water/sewage. Councils have commissioning power but only a limited presence in providing housing needs, social care and waste management. In other words, as a result of central government policy, there are, in practice, currently far fewer opportunities for councils to cooperate. Since 1997, the New Labour government has promoted IMC through vertical drivers and the development; the operation of these policy initiatives is discussed following the framework of the editors. Current examples of IMC are notable for being driven by higher tiers of government, working with subordinate authorities in principal-agent relations. Collaboration between local authorities and intra-interand cross-sectoral partnerships are initiated by central government. In other words, IMC is shaped by hierarchical drivers from higher levels of government but, in practice, is locally varied and determined less by formula than by necessity and function. © 2007 Springer.

Organization and Security of the Audio and Video Archive for Unique Bulgarian Bells

AMS Subj. Classification: H.3.7 Digital Libraries, K.6.5 Security and Protection

Digital Repository of Information and Knowledge - Fund “BellKnow”

The aim was to develop an archive containing detailed description of church bells. As an object of cultural heritage the bell has general properties such as geometric dimensions, weight, sound of each of the bells, the pitch of the tone as well as acoustical diagrams obtained using contemporary equipment. The audio, photo and video archive is developed by using advanced technologies for analysis, reservation and data protection.

A számítási felhő az Európai Unió egén (Cloud computing on the sky of European Union)

Napjaink informatikai világának talán legkeresettebb hívó szava a cloud computing, vagy magyar fordításban, a számítási felhő. A fordítás forrása az EU-s (Digitális Menetrend magyar változata, 2010) A számítási felhő üzleti modelljének részletes leírását adja (Bőgel, 2009). Bőgel György ismerteti az új, közműszerű informatikai szolgáltatás kialakulását és gazdasági előnyeit, nagy jövőt jósolva a számítási felhőnek az üzleti modellek versenyében. A szerző – a számítási felhő üzleti előnyei mellett – nagyobb hangsúlyt fektet dolgozatában a gyors elterjedést gátló tényezőkre, és arra, hogy mit jelentenek az előnyök és a hátrányok egy üzleti, informatikai vagy megfelelőségi vezető számára. Nem csökkentve a cloud modell gazdasági jelentőségét, fontosnak tartja, hogy a problémákról és a kockázatokról is szóljon. Kiemeli, hogy a kockázatokban – különösen a biztonsági és adatvédelmi kockázatokban – lényeges különbségek vannak az Európai Gazdasági Térség és a világ többi része, pl. az Amerikai Egyesült Államok között. A cikkben rámutat ezekre a különbségekre, és az olvasó magyarázatot kap arra is, hogy miért várható a számítási felhő lassabb terjedése Európában, mint a világ más részein. Bemutatja az EU erőfeszítéseit is a számítási felhő európai terjedésének elősegítésére, tekintettel a modell versenyképességet növelő hatására. / === / One of the most popular concept of the recent web searches is cloud computing. Several authors present detailed description of the new service model and it's business benefits and cite the optimistic prognoses of the cloud experts regarding the competition of information system service models. The author analyses the operational benefits of the cloud application and give a detailed description of the inhibitors of the fast expansion of the service modell. He also analyses the pros and cons of the cloud for a business manager, an information and a compliance officer. When understanding the advantages of the cloud, it is equally important to review the problems and risks associated with the model. The paper gives a list of the expected cloud-specific risks. It also explains the differences in security and data protection approach between the European Economic Area and the rest of the world, including the USA. The explains why slower expansion of the cloud modell is expected in Europe than in the rest of the world. The efforts of the EU Committee in helping to spread the cloud model is also presented, as the EU's officers consider the model as an important element of competitiveness.

Personal learning artefacts: persistence, ownership and privacy

Traditional classrooms have been often regarded as closed spaces within which experimentation, discussion and exploration of ideas occur. Professors have been used to being able to express ideas frankly, and occasionally rashly while discussions are ephemeral and conventional student work is submitted, graded and often shredded. However, digital tools have transformed the nature of privacy. As we move towards the creation of life-long archives of our personal learning, we collect material created in various 'classrooms'. Some of these are public, and open, but others were created within 'circles of trust' with expectations of privacy and anonymity by learners. Taking the Creative Commons license as a starting point, this paper looks at what rights and expectations of privacy exist in learning environments? What methods might we use to define a 'privacy license' for learning? How should the privacy rights of learners be balanced with the need to encourage open learning and with the creation of eportfolios as evidence of learning? How might we define different learning spaces and the privacy rights associated with them? Which class activities are 'private' and closed to the class, which are open and what lies between? A limited set of set of metrics or zones is proposed, along the axes of private-public, anonymous-attributable and non-commercial-commercial to define learning spaces and the digital footprints created within them. The application of these not only to the artefacts which reflect learning, but to the learning spaces, and indeed to digital media more broadly are explored. The possibility that these might inform not only teaching practice but also grading rubrics in disciplines where public engagement is required will also be explored, along with the need for consideration by educational institutions of the data rights of students.

Companies need clear internet use policy

Opinion & Analysis: Companies need clear internet use policy

LocLess: Do You Really Care Where Your Cloud Files Are?

Physical location of data in cloud storage is a problem that gains a lot of attention not only from the actual cloud providers but also from the end users' who lately raise many concerns regarding the privacy of their data. It is a common practice that cloud service providers create replicate users' data across multiple physical locations. However, moving data in different countries means that basically the access rights are transferred based on the local laws of the corresponding country. In other words, when a cloud service provider stores users' data in a different country then the transferred data is subject to the data protection laws of the country where the servers are located. In this paper, we propose LocLess, a protocol which is based on a symmetric searchable encryption scheme for protecting users' data from unauthorized access even if the data is transferred to different locations. The idea behind LocLess is that "Once data is placed on the cloud in an unencrypted form or encrypted with a key that is known to the cloud service provider, data privacy becomes an illusion". Hence, the proposed solution is solely based on encrypting data with a key that is only known to the data owner.

Making personalised nutrition the easy choice: Creating policies to break down the barriers and reap the benefits

Personalised diets based on people’s existing food choices, and/or phenotypic, and/or genetic information hold potential to improve public dietary-related health. The aim of this analysis, therefore, has been to examine the degree to which factors which determine uptake of personalised nutrition vary between EU countries to better target policies to encourage uptake, and optimise the health benefits of personalised nutrition technology. A questionnaire developed from previous qualitative research was used to survey nationally representative samples from 9 EU countries (N = 9381). Perceived barriers to the uptake of personalised nutrition comprised three factors (data protection; the eating context; and, societal acceptance). Trust in sources of information comprised four factors (commerce and media; practitioners; government; family and, friends). Benefits comprised a single factor. Analysis of Variance (ANOVA) was employed to compare differences in responses between the United Kingdom; Ireland; Portugal; Poland; Norway; the Netherlands; Germany; and, Spain. The results indicated that respondents in Greece, Poland, Ireland, Portugal and Spain, rated the benefits of personalised nutrition highest, suggesting a particular readiness in these countries to adopt personalised nutrition interventions. Greek participants were more likely to perceive the social context of eating as a barrier to adoption of personalised nutrition, implying a need for support in negotiating social situations while on a prescribed diet. Those in Spain, Germany, Portugal and Poland scored highest on perceived barriers related to data protection. Government was more trusted than commerce to deliver and provide information on personalised nutrition overall. This was particularly the case in Ireland, Portugal and Greece, indicating an imperative to build trust, particularly in the ability of commercial service providers to deliver personalised dietary regimes effectively in these countries. These findings, obtained from a nationally representative sample of EU citizens, imply that a parallel, integrated, public-private delivery system would capture the needs of most potential consumers.

The Social Engineering framework para el aseguramiento de PYME

El trabajo plantea un aporte al framework de ingeniería social (The Social Engineering Framework) para la evaluación del riesgo y mitigación de distintos vectores de ataque, por medio del análisis de árboles de ataque -- Adicionalmente se muestra una recopilación de estadísticas de ataques realizados a compañías de diferentes industrias relacionadas con la seguridad informática, enfocado en los ataques de ingeniería social y las consecuencias a las que se enfrentan las organizaciones -- Se acompañan las estadísticas con la descripción de ejemplos reales y sus consecuencias

El derecho al olvido en internet. El fenómeno de los motores de búsqueda

El presente trabajo tiene por objeto el análisis de la figura delderecho al olvido en Internet. Esta figura será analizada, desdesus orígenes, como meras solicitudes de tutelas de derechospresentadas ante las agencias de protección de datos de los paíseseuropeos, hasta su aplicación actual, configurado tal derecho comoun derecho cuasi-fundamental, enmarcado dentro de la esferadel derecho fundamental a la protección de datos. También, seráobjeto de análisis la labor desarrollada por la Agencia Españolade Protección de Datos, que fue la primera Agencia Europea quedecidió condenar a los motores de búsqueda por el mal tratamientode datos producido en su funcionamiento. Fruto de su labor,estos casos llegaron a la Audiencia Nacional, la cual realizó unabrillantísima, desde un punto de vista técnico, cuestión prejudicial,acerca de la actitud de los motores de búsqueda en relación conel establecimiento del derecho al olvido.