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Newsletter Volume 4(3) 27 April 2006 
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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. Small Business: Issues of Identity Management, Privacy and Security Small businesses collect, store, use and disclose a range of information, including personal and financial information. This information may be about clients, customers and employees. Small business are generally exempted from the operation of the Privacy Act 1988 (Cth), unless they elect to ‘opt-in' to be covered. This means that there is no legal obligation on a small business to follow the National Privacy Principles governing the collection and use of personal information, other than in the area of handling Tax File Numbers. There is, however, an obligation to maintain confidentiality in respect of information imparted to a business in confidence. This would apply to the personal details of employees and the financial data, such as credit card details, of clients. As well, small businesses need to be able to identify who they deal with, whether as suppliers of products or as customers. The issue of identification of suppliers is particularly difficult if the goods are being acquired from overseas or over the Internet. The terms of use imposed by most financial institutions when providing credit and EFTPOS facilities generally transfer the responsibility for confirming identity onto the merchant. The draft Anti-Money Laundering and Counter Terrorism Financing Bill, released by the Federal Attorney General on 16 December 2005, will also impose obligations on small businesses involved in providing financial advice and credit-based services to identify clients, maintain records of client identities and to report ‘suspicious' activities to AUSTRAC. The managers of twenty small businesses are being interviewed at present to determine owners to understand how small businesses are managing their privacy, security and identity management obligations in an online environment. Professor Margaret Jackson ********************************************************************************* Mats has a background in science (PhD in Biotechnology) and illustration. For the past 10 years he has been working at the crossroads of these fields: scientific visualisation and communication, and operating his own business, "Magipics". The production primarily includes illustration and animation, but also interactive design and other multimedia. At the Smart Internet Technology CRC he is contributing thought-stimulating illustrations and interactive pictures for the User Centred Design project. ********************************************************************************* Hester runs a small biotech business with mostly overseas customers. If someone wants to purchase his products, they need to establish a letter of credit at a bank in their country (that establishes they have enough cash/credit to make the purchase). Then that bank contacts Hester and he needs to make the transaction. The transaction usually takes place through his customized online Internet banking system (designed specifically for him and his transactions by the bank and the Australian banking regulatory body). Most of the international transactions are in US Dollars. Hester talks about some of the cultural issues in dealing in legal banking contacts with some countries. For example, he says that a lot of money in Venezuela is through the black market, so when he transfers money in US Dollars through this particular country and others like it, he must transfer money through an extra party. He also talks about dealing with countries like Iran, where there are often many mistakes, such as his address details spelt incorrectly. This causes many transaction problems. Hester is technologically savvy and uses online banking every day for as many transactions as possible. He used to spend a lot of time filling in branch forms, sometime the good part of a day, whereas now he can do the transaction in a couple of minutes online. He is not concerned about privacy, other than that he doesn't want his personal information spread around the world. He sees trust as being essential to security. He visits the branch of his bank in the city (not his local one) that has a specific International Trade Centre for any queries. He knows a number of people there quite well, and trusts them. He will call them if he comes across any technical issues with the bank's website. When asked about the risks of online banking, he believes there are risks, but he has never experienced a problem so is happy to continue using it. He did have one experience where he didn't log out of his online banking session, and the bank rang him about an hour later saying that someone was trying to access his open session. He was very impressed that the bank contacted him telling him of the attempted breach. This increased his trust in the bank. He is now also sure to log off after each session. Hester feels that banking in 2010 will be more focused towards online transactions. He believes International transactions will be easier, with these types of transactions incorporated into his everyday online banking system, rather than the separate, customized system he now uses for this. ********************************************************************************* Beekhuyzen, Jenine., von Hellens, Liisa (2006). “An Actor-Network theory perspective of online banking in Australia”. Paper to be presented at The American Conference on Information Systems, Acapulco, Mexico, 4-6 August 2006. Only 25% of bank customers currently use online banking in Australia. The banks want more people to use their online services, not just for transaction histories and transfers, but for other services such as loan and credit card applications. This paper discusses the use of Actor-network theory as a lens to view online banking practices in Australia. We explore the heterogeneous user groups and their varying needs for interacting with the bank. This theory allows us to explore the relationship between technology and people, whilst giving insight into the changes enacted through interactions between them and the bank. The user is an essential player in this network and this discussion presents the users perspective that is drawn from a qualitative study involving 38 participants. ********************************************************************************* ‘With nearly 100,000 members, the IEEE Computer Society is the world's leading organization of computer professionals.' Their vision is ‘to be the leading provider of technical information, community services, and personalized services to the world's computing professionals.' http://www.computer.org/portal/site/ieeecs/index.jsp ---------------------------------------------------------------------------------------------------- Copyright in the Digital Age Seminars “The seminar will include a panel session, held in association with the Australian Society of Authors, and featuring authors, publishers and copyright experts. They will review some of the key issues, challenges and opportunities facing Australian creators in the digital age.” http://www.copyright.com.au/seminars_events.htm ********************************************************************************* Call for Papers for the 7th International We-B (Working For E-Business) ‘We-B 2006 aims to provide an opportunity for sharing and networking among academics, community and industry specialists in e-Business and related fields.' All papers will be double-blind peer refereed and published in Electronic conference proceedings with an ISBN. For more information and detailed instructions for authors, see the Web site at: http://conferences.vu.edu.au/web2006/default.html ---------------------------------------------------------------------------------------------------- International Conference on Information Systems ICIS The ICIS 2006 Program Committee invites submissions of completed research papers, research-in-progress papers, conference theme papers, research methods papers, teaching cases and proposals for panels. For more information, please go to the website at: http://www.icis2006.org/Call.htm ---------------------------------------------------------------------------------------------------- 12 th Americas Conference on Information Systems For more information, Please go to: http://amcis2006.aisnet.org/index.htm <><><><><><><><><><><><><><><><><><><><><<><><><><><<><><><><><
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