Have Usability and Security Trade-offs in Mobile Financial Services become Untrustworthy?

Abstract

The trade-off between Usability and Security has been well researched with various models proposed on how best to improve Usability without jeopardizing Security and vice visa. Usable Security has become a key factor in Mobile Financial Services (MFS), the new frontier for mobile phones utilisation. However, have the compromises gone too far? The trustworthiness of MFS system has already slowed down new adoption and impacted ongoing security trust issues and user confidence in spite of potential MFS benefits for its users. To understand this growing lack of trust with MFS, we need to comprehend the nature of Usable Security in assuring the behaviours of MFS users and determine the right trade-off to improve trust whilst facilitating future uptake. We conducted an empirical survey of 698 user’s experience of MFS and here present our findings of this investigation for further synthesis towards proposing practical control elements to assure Usable Security in MFS.

Contributors

Stephen Ambore

Christopher Richardson

Huseyin Dogan

Edward Apeh

Conference

Publication date: July 2018

Publication date (Print): July 2018

Pages: 1-11

Affiliations

[1 ] Department of Computing and Informatics

Bournemouth University

Dorset, UK

Article

DOI: 10.14236/ewic/HCI2018.36

Copyright statement: © Ambore et al. Published by BCS Learning and Development Ltd. Proceedings of British HCI 2018. Belfast, UK.

License:

This work is licensed under a Creative Commons Attribution 4.0 Unported License. To view a copy of this license, visit http://creativecommons.org/licenses/by/4.0/

Conference name: Proceedings of the 32nd International BCS Human Computer Interaction Conference

Conference acronym: HCI

Conference number: 32

Conference location: Belfast, UK

Conference date: 4 - 6 July 2018

Conference sponsor: Electronic Workshops in Computing (eWiC)

Conference theme: Human Computer Interaction Conference

Product

Self URI (article page): https://www.scienceopen.com/hosted-document?doi=10.14236/ewic/HCI2018.36

Self URI (journal page): https://ewic.bcs.org/