 |
 |
 |
|
 |
 |
|
||
       
|
 |
 |
 |
||
|
Newsletter Volume 4 (4) 11th May 2006 
|
|
|
||
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. <><><><><><><><><><><><><><><><><><><><><<><><><><><<><><><><>< 1. Social context of privacy and security – Supriya Singh At the Computer Human Interaction (CHI) conference in April this year, it became clear we were one of the few groups examining the social context of privacy and security. Privacy and security are discussed most often from the technical and legal perspectives, as if they were universal issues that applied to all online transactions. The implicit user at the centre of these discussions is a young male computer scientist in the United States – comprising the majority of the CHI audience. Our work shows that privacy is not a central issue for low income users using Internet banking. They say they do not have enough money to worry about. Focus groups with people with disabilities reveal that privacy and security are often more troublesome at the bank branch than on the Internet. When we go across cultures and money is shared within the extended family, standards of privacy and security change yet again. Security and privacy are also not at the centre of the provision of public Internet access. These are important issues and need to be taken into account when designing for privacy and security across cultures. Professor Supriya Singh ********************************************************************************* Dan, 32, is a fifth generation farmer. He and his father own and run the farm. All decisions associated with the farm are made jointly between his father and himself. Dan has a joint account with his wife, and it is the second marriage for both. Whilst the account is in joint names, he thinks she is not interested in their financial status ‘as long as she has enough money to spend on things she needs…'. They both pay everything using the credit card due to the frequent flyer points they receive. His wife also has a separate account, used solely for the purpose of receiving child support from her ex-husband. This money is then directly transferred into the joint account. They don't have any personal debts and rarely go to the bank branch. They have a very strong relationship with their bank manager who is in a larger town. The bank manager visits them on their property and discusses their finances on a regular basis. Dan finds this is very helpful. Dan uses internet banking where possible. He pays most of the bills on-line. He uses cheques when his suppliers have security concerns about giving their account details. Dan likes shopping online, particularly eBay. He boasts he saved $3,000 on a recent purchase which was shipped from the USA. His wife does not do online shopping, but will occasionally ask Dan to buy her something she likes online. Dan is not too concerned about security. He knows about the ‘lock icon' on eBay and believes transactions are relatively secure. Once they had an unauthorised debit from their account but the bank refunded the amount as soon as they advised them they did not make the purchase. ‘We had no problem whatsoever' says Dan. This interview was conducted out in the field,, as Dan was ploughing a 2000 hectare field. His tractor has a television and DVD Player on it, and Dan gets through about four movies a day. At the end, he sat down on his seat in a tractor, took his lunch box out and said ‘she (meaning his wife) contributes in this way'. ********************************************************************************* The Bank and I: Privacy, Banking and Life Stage. Paper presented at the CHI 2006 Workshop on Privacy-Enhanced Personalization, April 22 2006, Montreal. Please visit: http://www.isr.uci.edu/pep06/papers/PEP06_SinghEtAl.pdf ********************************************************************************* Design: creative and historical perspectives: Implications for design Although ethnography has become a common approach in HCI research and design, considerable confusion still attends both ethnographic practice and the criteria by which it should be evaluated in HCI. Often, ethnography is seen as an approach to field investigation that can generate requirements for systems development; by that token, the major evaluative criterion for an ethnographic study is the implications it can provide for design. For more information, please visit: http://doi.acm.org/10.1145/1124772.1124855 Privacy 1: Evaluating interfaces for privacy policy rule authoring Privacy policy rules are often written in organizations by a team of people in different roles. Currently, people in these roles have no technological tools to guide the creation of clear and implementable high-quality privacy policy rules. High-quality privacy rules can be the basis for verifiable automated privacy access decisions. For more information, please visit: http://doi.acm.org/10.1145/1124772.1124787 The CPRF is a research-oriented forum open to all viewpoints; a co-operative effort by Australian organisations interested in policy and research. It is also a national meeting-place for the community of policy and research people. Proposal and abstract deadline: June 6 For more information, please see: http://www.networkinsight.org/events/cprf_2006.html/group/6 Financial Literacy, Banking and Identity Conference Papers are invited on all aspects of research, development, and application in the areas of financial literacy, banking and identity. The goals of this conference are to explore the social, legal and cultural implications of money relationships, and the impact of the Internet on these relationships and on banking generally. Paper submission deadline: 28 July For more information, please see: http://www.rmit.edu.au/browse;ID=22rwiey1g25f 3rd Prato International Community Informatics Conference; CIRN 2006 http://www.ccnr.net/?q=taxonomy/term/48 OZCHI 2006 OZCHI is the annual conference for the Computer-Human Interaction Special Interest Group (CHISIG) of the Human Factors and Ergonomics Society of Australia, a non-profit event. It is Australia's leading forum for work in all areas of Human-Computer Interaction. OZCHI attracts an international community of practitioners, researchers, academics and students from a wide range of disciplines including user experience designers, information architects, software engineers, human factors experts, information systems analysts, social scientists or managers. Submission deadlines: For more information, please visit: http://www.ozchi.org/ ACM Workshop on Privacy and the Electronic Society The need for privacy-aware policies, regulations, and techniques has been widely recognized. This workshop discusses the problems of privacy in the global interconnected societies and possible solutions. For more information, Please see: http://www.freehaven.net/wpes2006/ |