Assignment 1_ Scenario 1 (Mortgage System Maintenance Back-Door Scenario)

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Jan 9, 2024

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Goel 1 Abhinav Goel Professor DeStefano Computers & Society 27/03/2023 Ethical Dilemma: Scenario 1 Mortgage System Maintenance Back-Door Scenario In this developing world, where data is increasingly sensitive and valuable, the development of secure software systems is the most important aspect of protecting one’s personal information. This becomes really important in the case of Mortgage systems as it contains confidential personal information of all the loan applicants. As a software developer I am responsible for ensuring the confidentiality and security of our company’s mortgage processing system. However, I am confronted with a moral dilemma: whether to include a back door or a mechanism to easily obtain access to each customer's system in order to provide maintenance and software upgrades. This scenario presents ethical considerations about customer trust, privacy, and security. As a result, making informed decisions driven by ethical principles and values is critical. This decision-making process implies that the software firm has not addressed how the system will be maintained, and remote access to running systems at each client site is not part of the company's specifications or requirements. The stakeholders in this scenario are mortgage companies, loan applicants, software companies and their employees. It is important to consider the interests and potential

Goel 2 consequences for all stakeholders when making decisions that could impact them. A Framework for Ethical Decision Making is a structure that can be used to help ethical reasoning in difficult scenarios like the one provided in this scenario. To begin, it is critical to understand, analyze, and evaluate the ethical aspects of the problem. The dispute in this instance is between the requirement for mortgage processing system maintenance and updates and the privacy and security concerns of loan applicants' personal information. It is critical to note that these two ethical standards may be at odds and must be carefully considered. The facts of the problem are that you are considering adding a back door or remote access to each customer's system without discussing this concept with your manager or team. This back door could potentially compromise the confidentiality and integrity of the personal information of loan applicants. Additionally, it is not part of your company's specification or requirements to have remote access to running systems at each customer site.The parties involved or stakeholders in this scenario include the software company, mortgage companies, loan applicants, and regulators who enforce data privacy laws. Each of these parties has a stake in the ethical practices of the software company in terms of security, privacy, and transparency. To make an ethical decision, it is essential to prioritize ethical practices, such as respecting individuals' privacy, ensuring data security, and being transparent about the software's capabilities. Additionally, it is crucial to consider how the decision will be implemented and who will be affected. The decision to add a back door or remote access to each customer's system will affect loan applicants' privacy, the reputation of the mortgage companies using the software, and the software company's credibility.

Goel 3 The scenario described raises various ethical issues. To begin with, the presence of a "back door" to obtain access to consumer systems without their knowledge or agreement poses severe privacy and security concerns. This may expose sensitive personal information to unauthorized access or theft, causing serious harm to persons. Second, the decision to include this back door was not done publicly, without involving relevant stakeholders or taking into account the potential consequences. Several fundamental ethical theories and concepts can be addressed while assessing the ethical implications of this issue. Utilitarianism, which advocates for the greatest good for the greatest number of people, would certainly argue against including a back door because it may potentially hurt a large number of people.The back door contradicts the principle of respecting persons' privacy and autonomy, according to deontological ethics, which emphasizes the necessity of observing moral rules and duties. The addition of a back door would clearly violate virtue ethics, which highlight the need of acting with integrity and honesty. Given these ethical concerns, the optimal solution would be to prioritize transparency and involve important stakeholders in determining how to maintain the systems once they are delivered. Negotiating maintenance agreements with clients that include explicit parameters for accessing systems for updates and repairs could be part of this. Furthermore, the organization might work on developing secure, automated maintenance methods that do not necessitate manual access to customer systems.

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Goel 4 Finally, as a software developer, it is critical to prioritize ethical considerations in decision-making, especially when sensitive personal information is involved. The creation of secure software systems should be accompanied with a dedication to privacy, transparency, and the liberty of persons. This paper's example demonstrates the ethical quandaries that occur when the necessity for maintenance and software upgrades clashes with the privacy and security of client information. To address these quandaries, it is critical to engage in ethical reasoning, examine the interests of all parties, and use relevant ethical theories. Software developers can uphold ethical values and sustain customer trust by promoting transparency, involving stakeholders in decision-making, and investigating alternate maintenance approaches.

Goel 5 Works Cited: ● Kizza, Ethics in Computing, A Framework for Ethical Decision Making” and “Making and Evaluating Ethical Arguments, Ethics and Ethical Analysis, 2016, Pg no 24- 26

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