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ANewsletter 10th October 2005 
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User Centred Design of Financial Services Project News Edition 09, October 10, 2005 User Centred Design (UCD) of Financial Services Project News is
a fortnightly e-newsletter that keeps you in touch with what is
happening in the Banking and E-Commerce streams of the Smart Internet
Technology CRC project on Security, Trust, Identity and Privacy.
The aim is to stimulate interaction with our wider project team,
industry partners and researchers involved with the use and design
of financial services. In this issue: <><><><><><><><><><><><><><><><><><><><><<><><><><><<><><><><>< ********************************************************************************* Identity management has become a major problem in the electronic and wireless environments, particularly when the Internet is involved. The buying and selling of goods and services over the Internet is now a part of our society, and yet such electronic commerce is conducted often without either side of the transaction being confident about the identity of the other party. Criminal fraud involving the adoption of a false identity or the assumption of someone else’s identity is a growing problem for vendors, credit providers and for individuals. Identifying the risks Second, there are risks in that the collection of different pieces of personal information about an individual can be consolidated in databases to form a whole picture of an individual, to be used for direct marketing, for fraud and for credit and related` checking. Third, the final aspect of a person’s identity at risk is when the identity is assumed by terrorists or by criminals. It is this aspect of identity that has concerned governments around the world. The concern of governments about identity, however, focuses primarily on security issues and on money laundering. On 11 October, 2005, the Federal Government announced the introduction of stricter anti-money-laundering laws. These new laws, which will be released in the form of an exposure draft in November, will apply initially to the financial and gambling sectors and bullion dealers. These industry sectors will be required, amongst a number of responsibilities, to verify the identity of customers. Identity Cards The possibility of a national identity card (ID) being introduced in Australia was first raised on 14th July 2005 when some comments were made by Queensland Premier Peter Beattie on ABC radio to the effect that an ID card would be in the interests of national security. When asked about Beattie’s comments, Mr Howard did not support them but his own comments were vague and he was reported in the press as not ruling it out altogether in the government’s review of security arrangements. On 16th July, while in Washington, Howard was more supportive of the idea of an ID card and the Attorney-General subsequently stated that the government will be examining the possibility of an ID card. On 29 September, the Special Minister of State and the Minister for Human Services announced that a project was underway to introduce a smartcard to cover health and concession payments through Centrelink. This card could also be used to deal with identity theft and fraud activities. Given the lack of information about how such a card scheme could work, it is not clear whether the introduction of a national identity card could solve the problems of identity theft, identity fraud, and anti-money-laundering. It is worthwhile, however, to examine what is happening the United Kingdom. Identity Card Bill UK The draft Identity Cards Bill was reintroduced into Parliament on 17 May 2005 and the Government narrowly won a second reading of it in the House of Commons on 28 June, after the Home Secretary agreed to put a cap on the cost of obtaining the card. There was opposition to the Bill from within the Labour Party, the Tories and the Nationals. The Bill has now moved onto the committee stage where it will be examined in detail, and then onto a vote in the House of Lords. Under the draft ID Cards Bill, the cards are intended to store basic personal information (such as name, age, nationality, unique identifier), a digital photo, and a biometric which could include facial recognition, iris scans or fingerprints. The Government proposes linking the cards to a national secure database on which further personal information may be stored and to which many services, both public and private, would have limited access. The database will be a source of information for the Security Services, Government Communications Headquarters, the police, any other organization involved in the prevention or detection of crime, the collection of tax and any other organization given the power to gain access to the personal data. Government Objectives’ One of the main attractions of the ID card for the Government appears to be that it could help to improve the efficiency of the public service, particularly in accessing personal information of citizens. The Office of National Statistics is also planning additional uses for the ID card database that are unconnected with terrorism, crime, anti-money-laundering, identity fraud and immigration. The UK Government is introducing an ID card and database which is intended to meet a variety of needs, including combating crime and identity theft, but has yet to spell out clearly how they will work. It is to be hoped that the approach taken in Australia by the Federal Government, if it decides that an ID card is to be introduced, will be more cautious and will not attempt to use the card to solve a range of identity management and verification issues. Whether the card is born as a national “Australia Card” or whether it is born under other auspices such as a health care card, it is the centralised, multi purpose and cross institutional nature of such a card that raises serious privacy, security, and trust issues. ********************************************************************************* DRMs, Fair Use and Users’ Experience of Sharing Music This paper reports on the different copyright regimes in the United
States and Australia. It describes some of the current DRM systems.
Against this background, the paper draws on a qualitative study
to explore Australian users’ experience of listening to and
sharing music. A design for a good DRM has to take into account
the schism between the copyright regimes and users’ sharing
behavior. Downloading vs Purchase: Music Industry vs. Consumers In this paper we draw on a qualitative study of music consumers
in Australia to show there is not a clear dichotomy between downloading
and purchase of music. Most often downloading is a way of exploring
new music, which leads to purchase. From the users’ perspective
the activity of downloading is transformed to the activity of accessing
and exploring music. DRM systems and the industry could more fruitfully
focus on satisfying this basic aspect of the listening experience
in order to work together with their customers. Digital Rights Management and consumers’ use of music: An
activity theory perspective In this paper, we focus on the context of music access and use, and the increasingly prominent role that technologies such as the Internet play in music consumers’ activities. We explore the contradictions between DRM technologies and music consumers’ behaviours, and describe how our study data will be further analysed using an activity theory lens. This research is being carried out as part of a wider investigation into media use and digital technologies that aims to develop guidelines for the user-centred design of new digital rights management systems (DRMs). This paper contributes to developing a better understanding of consumers’ music listening behaviours and beliefs regarding the use of the Internet as a medium for accessing music. ********************************************************************************* QualIT 2005, QualIT2005 – Challenges for Qualitative Research, will attract
qualitative researchers concerned with the analysis, design, development,
application, usability and evaluation of information systems and
information technologies. Symposium On Usable Privacy and Security This symposium will bring together an interdisciplinary group of researchers and practitioners in human computer interaction, security, and privacy. The program will feature technical papers, workshops and tutorials, a poster session, panels and invited talks, and discussion sessions. ********************************************************************************* Designing Information and Organizations with a Positive Lens The special issue provides space for compelling studies and provocative
ideas that approach information and organization with a positive
lens and are theoretically grounded. The Journal of Information, Information Technology, and Organizations (JIITO) has just been launched. JIITO is an academically peer reviewed journal. All submissions
are blind refereed by three or more peers. It is also available
online at http://JIITO.org,
without charge. |