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Newsletter Volume 4 (5) 25 May 2006

User Centred Design of Financial Services Project News Volume 4 (5), May 25, 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.

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In this issue:

1. Wireless project
2. Introducing our newest team members
3. Team News
4. Stories from the field – Helen, 81, have had a fortunate life
5. Readings
6. Call for papers

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1. Wireless project
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At the end of March 2006, we reported that we were undertaking 16 case studies of wireless projects. Almost all of the interviews for these case studies have now been completed.

Interviews have been conducted in the following sectors: Banking and Finance; Education; Government; Health; Logistics and Transport; Retail and Services; Telecommunications and Media; and Utilities.

A background survey of the wireless literature had revealed that there is very little academic literature on actual wireless projects in Australia. Most of the information is trade literature, which provides overly optimistic reports on wireless projects in progress. There are also a large number of government reports which tend to highlight the possibilities and try to predict the issues that will arise.

Preliminary results include:

- Most organisations are finding it harder than they expected to implement wireless projects.
- Projects reported (in the trade literature) as 'successfully completed' or 'successfully trailed' have turned out to be delayed or abandoned.
- Integration with existing databases has been a particular area of concern.
- The unsettled and emerging nature of the wireless environment is having a 'wait and see' effect for some. Trials are being shelved, not because they have failed, but because the playing field is changing, thus increasing the risk.
- Lessons learned in one industry are not being picked up by other similar industries.
- Many organisations do not understand the implications of privacy issues for their projects.
- There is confusion between the role of banks and the role of telecommunications companies in wireless commerce transactions.

Professor Margaret Jackson
Margaret.Jackson@rmit.edu.au

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2. Introducing our newest team members
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Catherine Demosthenous
Catherine has a BA in Humanities, an MA in Applied Linguistics and is currently completing doctoral studies in the field of conversation analysis and linguistics at Griffith University. Catherine has researched and co-authored a number of international, national and state projects across a range of disciplines, including: education, communications and linguistics, culture, gender and indigenous studies. Her research interests are with social and cultural perspectives of, and on, users and user environments.

Alison Ruth
Alison Ruth is a lecturer in Information systems in the Department of Management, Griffith Business School.  She recently completed her PhD in online learning environments for information systems courses.  Her teaching interests include technologies for a mobile workforce.  She recently won a Griffith E-Learning Fellowship, in which she is investigating the use of Wikis for learning about Mobile Workforce Technologies.  Her research interests include interactivity, technologies for collaboration, social networks, blogging and user issues in internet technologies.

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2. Stories from the field
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Helen,,81, has had a fortunate life

Helen, 81, with an annual household income between $25-50K, has been a widow for two and a half years. She lives in one of the south eastern Melbourne suburbs lined by trees that have changed colour, with their leaves beginning to fall. Her son has set her up with email so that only people in her address book can contact her. Looking back over her life Helen says she has had a fortunate life. It is not a life without some bumps, but she has three sons, four grandsons and a granddaughter, more money than she needs, and a wide network of friends from her volunteer work.

Her family was comfortable, but when Helen went to work, she paid board. After marriage, her husband gave her a housekeeping allowance, with a bit extra for her stockings and to have her hair done. He paid the bills and even bought the first house himself. They paid cash for it, and only ever borrowed for their car. The next house, however, Helen bought in their joint names, paying for it from their joint cheque account. Ten years before her husband died, Helen began to take over the finances.

She takes out enough cash for three weeks from her local post office, to pay for food at the market, supermarket goods, and for the lass who does the gardening. “I'd rather have the cash” Helen says. She doesn't know when she went to the bank branch last. She does not use the ATM and may have used EFTPOS two or three times, but not for cash out. However, she says, “Banking has never been easier”.

All her utilities are on direct debit, her dividends and the Veterans affairs allowance on direct credit. Her visa and annual bills like insurance are paid through BPay on the phone, one at a time. She uses cheques for tradesmen and the cleaner. She buys clothes on the credit card. “Not food” she emphasizes.

She does not use the Internet for banking. “I don't need it” she says. Also there is the faint tinge of fraud, she says. She also does not buy online, and has never paid by credit card on the phone. Her mobile phone is charged, but in the glove box of her car. She says, “I may have used it three times in the year.”

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3.  Team News
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Professor Margaret Jackson was invited to meet with the Australian Law Reform Commission regarding the Commission's inquiry into the operation of the Privacy Act 1988 (Cth), announced by the Commonwealth Attorney-General on 31 January 2006.

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4. Readings
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Alfred Kobsa and Max Teltzrow
Convincing Users to Disclose Personal Data

Paper presented at the CHI 2006 Workshop on Privacy-Enhanced Personalization, April 22 2006, Montreal.

For more information, please visit: http://www.isr.uci.edu/pep06/papers/PEP06_KobsaTeltzrow.pdf
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Conference Proceedings
Design Science in Information Systems and Technology
February 24-25, 2006, Claremont, CA.

To view papers, please visit: http://ncl.cgu.edu/designconference/index.htm
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Yang Wang and Alfred Kobsa
Impacts of Privacy Laws and Regulations on Personalized Systems

Paper presented at the CHI 2006 Workshop on Privacy-Enhanced Personalization, April 22 2006, Montreal.

For more information, please visit: http://www.isr.uci.edu/pep06/papers/PEP06_WangKobsa.pdf
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5. Upcoming conferences & call for papers
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IADIS International Conference: E-Commerce
9 – 11 December 2006
Barcelona, Spain

” The Conference invites proposals from the introductory through advanced level on all topics related to e-Commerce. Proposals which address the theory, research and applications as well as describe innovative projects are encouraged.”

For more information, please visit: http://www.iadis.org/
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SoftWars 2006: Conference on Social and Ethical Impact of Technology
University of Minho, Guimaraes (World Heritage), Portugal
September 13-15, 2006
Submit by: June 1, 2006

“ You are invited to engage in a discussion of a range of issues related to social and ethical impact of technology.”

Conference Website: www.soft-wars.org
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HANDBOOK OF RESEARCH ON USER INTERFACE DESIGN AND EVALUATION FOR MOBILE
TECHNOLOGY
Proposal Due Date: June 9, 2006
Editors: Joanna Lumsden, National Research Council of Canada

All topics related to the design and evaluation of mobile technology, they are inviting researchers and experts in their research areas to contribute chapters that are related to the development of usable mobile technologies and applications.

Web Site with Suggested Topics: http://www.idea-group.com/requests/details.asp?ID=97
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HANDBOOK OF RESEARCH ON GLOBAL INFORMATION TECHNOLOGY
Proposal Due Date: June 10, 2006
Editor: Mahesh S. Raisinghani, Texas Woman's University, School of Management, USA

Topic: Technologies in the field of the emerging sub-discipline of Global Information Technology Management (also referred to within the Information Systems (IS) discipline as Global Information Technology Management, as International Information Systems, and as Global Management Information Systems).

Web Site with Suggested Topics: http://www.idea-group.com/requests/details.asp?ID=74 <><><><><><><><><><><><><><><><><><><><><<><><><><><<><><><><><