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The Economics of Digital Exhaust: Can Banks Monetize Behavioral Data Without Violating Trust?

Author(s) Aravind Seenivasan
Country Canada
Abstract As banks increasingly embrace digital technologies, the collection of behavioral data, also known as digital exhaust, has become an integral part of modern banking. Digital exhaust includes the data generated by consumers through their interactions with online banking platforms, such as browsing habits, spending patterns, and transaction history. This data holds immense economic potential for banks, offering opportunities to enhance customer engagement, optimize products, and increase profitability. However, the process of monetizing this data raises significant concerns related to privacy, consumer trust, and data security. This paper examines the economic implications of monetizing digital exhaust for banks, exploring the balance between profitability and the need to maintain consumer trust. It argues that while monetizing behavioral data is economically feasible, it requires transparency, robust data protection measures, and clear customer consent to ensure that banks do not violate trust.
Keywords Digital Exhaust, Behavioral Data, Banks, Trust, Data Monetization, Privacy, Ethical Banking, Data Protection
Published In Volume 6, Issue 5, May 2025
Published On 2025-05-28
Cite This The Economics of Digital Exhaust: Can Banks Monetize Behavioral Data Without Violating Trust? - Aravind Seenivasan - IJLRP Volume 6, Issue 5, May 2025. DOI 10.70528/IJLRP.v6.i5.1581
DOI https://doi.org/10.70528/IJLRP.v6.i5.1581
Short DOI https://doi.org/g9mhjb
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