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）-2024.5-36页_287kb

This BIS Working Paper examines gender and age differences in willingness to share personal data. The study, based on a survey of U.S. households, finds that women are less willing to share both financial transaction data and geolocation or social media data than men. These differences persist even after controlling for income, education, financial literacy, and other factors. Women exhibit higher risk aversion, greater concern about data misuse, and are less trusting in general, which contributes to their reluctance. Age-wise, older individuals are also less willing to share data, reflecting higher risk aversion and stronger privacy concerns. However, controlling for covariates does not significantly reduce these age-based gaps.

The study also assesses the impact of privacy regulations, specifically the California Consumer Privacy Act (CCPA). While the CCPA may increase overall comfort with data sharing by providing legal protections, its effects do not vary significantly by gender. The findings highlight the importance of addressing demographic disparities in data-sharing behavior to ensure equitable access to digital services and reduce potential biases in data-driven decision-making.