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Newsletter 17th August 2005

User Centred Design of Financial Services Project News Edition 06, August 17, 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.

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In this issue:
1. Supriya: Usability and Internationalisation
2. Stories from the field – Patricia: ‘It would take a miracle to use online banking’
3. Upcoming conferences & Useful links
4. Call for papers

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1. Usability and Internationalisation

The Human Computer Interaction International conference has always attracted international participants, but this year for the first time there was a program track on “Usability and Internationalisation”. It was a few years coming and was the initiative of Dr Nuray Aykin of New School University. The conference held in July in Las Vegas attracted over 2000 participants from 63 countries.

Among the memorable events of the conference were papers and presentations by anthropologists from Microsoft and Intel. They dealt with the issue of timeliness and showed how using photographs from the field helped keep users in front of the design team in the main office. We also heard how difficult it was to elicit opinions from “silent Japanese users” and how using Bollywood style plots allowed Indian users to get into the situation and be critical.

Much of the discussion centred around the shared use of communication technologies not only in Asia but also in families in the United States where it is common for a family to have one mobile phone for young children. It brought to the fore that discussions of security and identity assume individually owned technology. In countries where Internet access is going to be shared, issues of security become even more complex.

The conference also highlighted the paucity of user centred research on financial services, particularly in the areas of security, privacy, identity and trust.

Supriya

Assoc Prof Supriya Singh,
Project Leader
supriya.singh@rmit.edu.au

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2. Stories from the field – Patricia: ‘It would take a miracle to use online banking’

Patricia was very clear that she had never used Internet banking, was not currently using Internet banking and couldn’t see herself doing so at anytime in the future. She uses telephone banking for almost all of her transactions and inquiries. Patricia is a lecturer in IT at two local universities. She is also a PhD student in Health in the discipline of Information Systems/Information Technology. Her study so far has had a large focus on privacy issues in health care so she is very aware of privacy and security issues. She has a toddler, a new husband and step-son. Between her and her husband, they have a number of property investments and they have a regular, stable income. She is a very careful budgeter and is quite comfortable with the amount of money she has. She schedules everything in terms of her money and always knows how much money she has in the bank. Her money is very controlled. She even knows exactly what time her wages are put into her account. She has been using the Internet since 1995 for work and research.

Patricia doesn’t trust online banking. She takes what the media says about security breaches in the banks very seriously and also recently heard a Professor (expert in security) at a local university talking about the dangers of online banking. This confirmed her fears and her strong conviction not to use online banking. She is very concerned about people recording her keystrokes on her PC and then using them to login to her account. She is also worried about the email scams around, and the security of the encryption used. She feels very comfortable with Telephone Banking and remembers her entire long card number to access the service. She doesn’t seem to be as worried about privacy as she is about security although she is aware of the difference. She is most worried about telemarketing companies getting her personal details. She just assumes that her bank has a privacy statement and that they are doing the right thing. She has never read it.

Patricia does buy things online and uses her mum’s credit card to do so, mostly for things such as concert tickets. She has used her own credit card also and she is not worried about security at all for this as the card she uses has a low limit. She mostly uses the company’s site in this instance e.g. Ticketek. She suggests using a small amount credit card for online transactions. She has heard that you are more likely to be hit by a bus than have your credit card details stolen but isn’t convinced.

Patricia feels she will be banking exactly the same way in 2010 unless they take telephone banking away and then she may have to use Internet banking. She doesn’t feel she will use her mobile phone for phone banking in the future.


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3. Upcoming conferences & Useful links
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Upcoming Conferences
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*CHI 06, Conference on Human Factors in Computing Systems, April 22-27 2006, Montreal, Canada

This is the premier international conference for human-computer interaction. The theme for 2006 is "Interact. Inform. Inspire." Submissions for papers are due 23 September 2005, 5:00PM (1700) PDT. For more details see http://www.chi2006.org/call/papers.php


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Useful Links
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*Australia Card Part 2
As the debate over the need for a national identity card re-emerges in Australia, we have sourced a number of useful links to give you an overview of the topic. The last edition of the SIT CRC gave a historical overview of the subject area. Part Two includes links to current news and comments regarding a national identity card for Australia.
*ABC interview with Queensland premier Peter Beattie regarding the 2005 proposal for a national identity card.
http://www.abc.net.au/insiders/content/2005/s1415860.htm


*Rebuttal article in The Australian.
http://www.theaustralian.news.com.au/common/story_page/0,5744,15994958%255E28737,00.html

*Open letter to Coalition MPs regarding a national identity scheme from The Australian Privacy Foundation
http://www.privacy.org.au/Papers/LtrtoMPsNIS050728.pdf

*London School of Economics, 2005, ‘The Identity Project: An Assessment of the UK Identity Cards Bill and Its Implications' – examines proposals for a national identity card in the UK
http://www.lse.ac.uk/collections/pressAndInformationOffice/newsAndEvents/archives/2005/IDCard_FinalReport.htm

*Speech by Privacy Commissioner Karen Curtis, for the Safeguarding Australia Conference, Tuesday 12 July 2005
http://www.privacy.gov.au/news/speeches/index.html

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4. Call for Papers
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*Encyclopaedia of Mobile Computing and Commerce

The Encyclopaedia presents current trends in mobile computing and their potential use in business and commerce. It also includes research challenges and innovative in mobile computing and commerce. Papers are currently being solicited for publication in late 2006. Full papers will be around 1500 to 3500 words, and proposals are due by 15 October, 2005.

http://users.monash.edu.au/~dtaniar/encyclopedia/

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*Journal of Strategic Information Systems – Special Issue on Privacy and Security

Papers addressing technical, economic, social or organisational aspects of information privacy and security are welcomed for a special issue of the Journal of Strategic Information Systems. Papers should be around 5000 words long and have a strategic focus and address security and privacy in the context of information and communications technologies and be submitted before January 15, 2006.

http://www.elsevier.com/wps/find/journalspecialissues.cws_home/525447/specialissues?navopenmenu=-2

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*CFP- Handbook of Research on Open Source Software - Technological, Economic, and Social Perspectives

Chapters around 3500-5000 words in length which provide readers with a foundational understanding of the origins, operating principles, legalities, social factors, and economic forces that affect the uses of OSS are currently being sought. Enquiries should be directed to the editors, kirk.st-amant@ttu.edu or brian.still@ttu.edu at Texas Tech University. The submission deadline is October 1, 2005.

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