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Newsletter 20 July 2005


User Centred Design of Financial Services Project News Edition 04, July 20, 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. Listening to music
2. Stories from the field – Saving to spend
3. Upcoming conferences & Useful links
4. Papers by Banking and E-commerce researchers
5. Conference reports
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1. Listening to music
We are analysing our user data based on focus groups and interviews with 23 people in Melbourne and Brisbane aged between 18 and 44 years. The new technologies have helped shape the experience of music. It is now often an individual activity carried out through headphones attached to a computer or a portable device. The people in our sample personalised their music, organising the tracks according to their own lists. They wanted their music, like other media, on demand rather than on a broadcast schecule. It is important however to note that the Internet and the computer were only two channels among many. People listened to music on the radio, as well as the television, CD player via the stereo, and iPod. The choice of format and device depended on their activity context. It could be the computer with headphones in the office, the radio or CD player in the car, or the CD player, radio, TV and the computer at home.

Music has always been shared between friends. Years ago this meant swapping tapes and records. Now it means sending music via e-mail or MSN. It is one of the most important ways of exploring new music, which at times leads to purchase. Repeated exposure is usually a precursor to purchase. It used to happen and still does via radio. Now it is happening through downloads, followed at times by concerts and then purchase of the artists’ CDs. For music consumers it is the individual and shared music experience that is at the centre. When digital rights systems also focus on the music experience, there is a possibility that the rupture between the copyright regime, DRM and the users will diminish.

Supriya

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

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2. Stories from the field – Saving to spend
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Annie, 46 is married the second time with six children still at home. She works part time and their household income is between $25, 000-49,000. It is important to her that they are debt free - no mortgage and no credit card debt. She uses her credit card mainly as a payment mechanism. She once bought a new fridge on the credit card. She shopped for the fridge but not for the credit.

She says the main key was to understand what was important and then say you can do without other things. It meant saving to spend and saying no to things like $180 track suits for athletics and shoes for the children that were out of the budget. It also meant buying groceries in bulk, sewing the family’s clothes or buying from an op shop, never using disposable nappies and never buying new furniture. But it also meant she sent her eight children to a private Catholic school. Sending them to a school where they would get the values of social justice was important to her. Her values have been reaffirmed. The children who have completed school are in the areas of medicine, international trade and the environment. They too have not borrowed money except one child who has borrowed to buy a car so she can attend university in Melbourne. The values have been pushed at them all the time: it is o.k. not to have everything new. It is o.k. to work hard for something.

These family values have meant she has chosen work that is part time and that allows her to be at home with her family. That has been difficult, for other than their incomes, there is no other money coming into the household. She does not charge her children board for they have always had to save for what they wanted.

Afterwards, she says she would not have minded a cupboard full of new clothes, but her choices were different.

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3. Upcoming conferences & Useful links
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Upcoming Conferences
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*Towards an End to Global Poverty: Empowering Communities and Individuals Through Financial Inclusion
August 29-30, 2005
Sofitel Hotel, Melbourne
http://www.icms.com.au/microcredit2005/

While microfinance is often associated with small loans programs in the developing world, there is a growing interest in approaches to microfinance and many examples of successful microfinance projects in Australia. The United Nations Association of Australia is holding a two-day International Conference at the Sofitel Hotel in Melbourne on August 29-30, 2005 which will provide an opportunity to share the practical lessons and discuss the wider issues for business, governments and NGOs with leading international experts and delegates from both the developed and developing world.
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*15th International World Wide Web Conference
May 22-26, 2006
International Conference Centre, Edinburgh
http://www2006.org/
The WWW2006 programme addresses topics in media, e-government, e-commerce, education and e-science. The technical programme will draw on global research and industrial strengths to provide a strategic forum for the dissemination of new techniques and applications throughout the research community, the business and company sector and government agencies. Paper and poster submissions are invited before November 4th, 2005.

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Useful Links
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*Special Issue: Music and the Internet
This month First Monday has brought out a special issue on music and the Internet. It includes recent papers that have appeared in the electronic journal recently. The topics cover digitalisation, copyright and the users’ experience of music
http://firstmonday.org/issues/special10_7/
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*Microfinance Gateway
The Microfinance Gateway is a comprehensive online resource for the microfinance industry. It includes research and publications, specialised resource centres, organisation and consultant profiles, and the latest news, events, and job opportunities in microfinance.
http://www.microfinancegateway.org/
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*HCI Research in Privacy and Security

The International Journal of Human-Computer Studies has a special issue on privacy and security. One of the papers, authored by Anne Adams and Ann Blandford, has particular relevance to the User Centred Design of Financial Services Project, and discusses the findings from two studies within the health domain which reveal a gap between organisational and user perspectives of security. The article describes how an understanding of ‘communities of practice’ can help to make sense of existing security and privacy issues within organisations.

http://www.sciencedirect.com/science?_ob=JournalURL&_cdi=6829&_auth=y&_acct=C000000593&_version=1&_urlVersion=0&_userid=2735&md5=0f1af1ae6b537b0efac00ec023818b45
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*Finextra.com

Finextra is a leading independent newswire and information source for the worldwide financial technology community. Finextra covers all significant technology news in wholesale and retail banking (including e-banking), the capital markets and insurance. Finextra also publishes a wide range of research articles, features, white papers and case studies.
www.finextra.com

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4. Papers by Banking and E-commerce researchers
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*Conducting Internet Surveys – A Practical Focus
Australasian Journal of Market Research, 2004, Vol. 12, No. 2, pp27-42

This paper primarily describes the methodology employed in a study of Australian Internet users, conducted in early 2004 but it is also intended as a practical reference for researchers undertaking Internet research; particularly national or larger studies. The research design used in the study is outlined in detail, along with the various methodological choices and potential problems that researchers may be confronted with, offering advice and strategies to overcome them. For a copy of the paper please email carmen.gould@rmit.edu.au

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5. Conference Reports
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*Symposium on Security

Open Enterprise and the Implications of Web Services and Security was the topic of the one day symposium hosted by the Australian Computer Society in Brisbane. There were interesting discussions from the Qld Police Service, Gartner, Microsoft and Queensland University of Technology's security specialist Prof Bill Caelli. There was talk about 'seamless computing' and Microsoft's attempt to make this happen with their upcoming operating system Longhorn.
Professor Caelli discussed the move of highly complex security systems, previously only used by the military, into the corporate arena.

The main point made was that our PCs are only as secure as the operating system. The majority of Internet attacks are aimed at the node level, not at the network level. Many organisations are feeling comfortable with their security as "we have SSL", which was referred to as 'just a point to point cryptography'. However - SSL doesn't secure the nodes where most attacks occur, leaving most organisations vulnerable.

In the US 'Chains of Trust' is a hot topic, referring to the way that applications are only as secure as their
underlying architecture. Related to this, the US is seeing their first downturn in the use of e-commerce and web services. It seems the recent exposing of credit card fraud is connected to this.

Jenine Beekhuyzen
Research Fellow, Queensland University of Technology
jenine@griffith.edu.au

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