Transforming Personal Data Transactions with Auditable, Privacy-Preserving Data Exchange Agreements : Fostering Transparency and Trust in Digital Wallet Ecosystems

This paper proposes a comprehensive data exchange framework that addresses key digitalisation challenges and integrates regulatory compliance, usability, auditability, and transparency. The human-centric approach enables auditable data sharing, enhances security and privacy, and applies to centralised and decentralised systems, as evaluated in a digital wallet-based dataspace ecosystem.