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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