Can banking apps solve underage online sales better than a centralised state ID? Discover how the banking sector's new digital verification service mirrors years of my research on privacy-preserving age-assurance. Explore how this ecosystem bridges the gap between secure transactions, data minimisation, and real-world e-commerce safety.
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Writing on academic practice, governance and quality in online higher education, informed by research in pedagogy and information systems.
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My research, funded by the Institute of Alcohol Studies, proposes using Merchant Category Codes (MCCs) in payment card transactions to prevent underage online alcohol purchases. This system enhances age assurance with minimal customer friction and robust privacy protection, ensuring compliance with age-restriction laws while maintaining a seamless customer experience.
The UK's lockdown in March 2020 led to increased alcohol consumption and sales. Research funded by Alcohol Change UK revealed that online age verification for alcohol purchases is inadequate, often relying on delivery checks. Clarifying guidelines from the Licensing Act 2003 and involving banks in age verification could better protect underage individuals from buying alcohol online.