国际清算银行：没什么好隐瞒的吗？共享数据意愿方面的性别和年龄差异（英文版）

Many digital applications rely on the willingness of users to voluntarily share personal data. Yet some users are more comfortable sharing data than others. To document these differences, we draw on questions to a representative sample of U.S. households added to the New York Fed’s Survey of Consumer Expectations. We find t hat w omen a re less willing than men, and older individuals less willing than the young, to share their financial transaction data in exchange for better o ffers on finan