Author: J. Batac

PERENNIAL TUG OF WAR: Regulating Transport Network Companies in the Philippines

In today’s data economy it is inevitable that even quotidian affairs, such as hailing a cab, may be the subject of realtime analytics: the passenger’s actual location, the cabbie’s current whereabouts, the parties’ distance from each other, the traffic condition en route to the pinned destination, transaction histories, among other data points. It is this same state of affairs that has given occasion to the widespread utilization of transport network companies or TNCs by the commuting public, and correlatively, the declining appeal of traditional taxis on the road. As with all things popular, it was just a matter of time […]

GONE GIRL: Ica Policarpio and the Limited Purpose Public Figure

Three days before Christmas, Bea Policarpio posted an appeal for help on Facebook. In it she mentioned that her sister, 17-year-old Ica Policarpio, had been missing since December 21 and was last seen at a coffee shop somewhere in Sucat, Paranaque. The next day, Bea posted another status update, this time for a nationwide appeal to help the family locate the still missing Ica by utilizing the hashtag #FindIca. Appeals for help, particularly those involving missing persons, are not exactly novel. But unlike most appeals for help, Bea’s various status posts on Facebook were not merely ignored by a disengaged […]

Understanding KYC Compliance: Costs, Third-Party Reliance and Outsourcing

For banks and other financial institutions, adherence to regulatory guidelines and a natural aversion to unwarranted operational risks call for greater prudence. While this distinct brand of conservatism is apparent in the way financial institutions invest their depositors’ money, be it in the credit market or real estate, prudence is similarly manifested in the way banks deal with their clients both old and new by way of the know-your-customer policy, or simply KYC. KYC is a policy that makes it mandatory for banks and other financial institutions to establish the identity of individuals looking to transact with them and review […]

Law-enforcement Investigation Tools for Cybercrimes

The ubiquity of portable digital computing devices and the rise of social media are just two of the prominent global trends in the past decade. While these trends have undoubtedly given occasion to foster information-sharing and laid the foundations for a largely data-driven economy, they have likewise proved to be a bane for individuals exploiting the current data infrastructure for criminal purposes. In recent years, combating crimes hatched on a computer network—collectively referred to as cybercrimes—has been a focal point for law-enforcement agencies in light of their increasing frequency and sophistication. In a 2016 study by London-based professional firm PwC, […]

Data Breach Notification Under the Data Privacy Act

In November 2016, Landbank debit cardholders were warned not to use their Automated Teller Machine (ATM) cards for online transactions.1 This came following reports that some of the bank’s ATM terminals may have been compromised.2 The bank did not provide details of the extent and nature of the attack. However, it did notify its clients of the possible breach. Subsequently, it permanently blocked their debit cards. Also in 2016, tech giant Yahoo! disclosed that more than a billion user accounts were compromised in a 2013 attack.3 The company attributed the attack to a possible theft of its proprietary code by […]