Usable Security and E-Banking

Ease of Use vis-à-vis Security

Morten Hertzum, Niels Christian Juul, Niels Henrik Jørgensen, Mie Nørgaard

    Publikation: Bidrag til bog/antologi/rapportKonferencebidrag i proceedingsForskning

    Abstrakt

    Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Analysis of the weaknesses suggests that security requirements are among their causes and that the weaknesses may in turn cause decreased security. Conceptually we view the conflict between ease of use and security in the context of usable security, intended to match security principles and demands against user knowledge and motivation. Automation, instruction, and understanding can be identified as different approaches to usable security. Instruction is the main approach of the systems evaluated; automation relieves the user from involvement in security, as far as possible; and understanding goes beyond step-by-step instructions, to enable users to act competently and safely in situations that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems.
    OriginalsprogEngelsk
    TitelOZCHI 2004 Conference Proceedings
    ForlagUniversity of Wollongong
    Publikationsdato2004
    ISBN (Trykt)1 74128 079 6
    StatusUdgivet - 2004
    BegivenhedOZCHI: the annual conference for the Computer-Human Interaction Special Interest Group (CHISIG) of the Human Factors and Ergonomics Society of Australia - Wollongong, Australien
    Varighed: 21 nov. 200424 nov. 2004

    Konference

    KonferenceOZCHI: the annual conference for the Computer-Human Interaction Special Interest Group (CHISIG) of the Human Factors and Ergonomics Society of Australia
    LandAustralien
    ByWollongong
    Periode21/11/200424/11/2004

    Bibliografisk note

    Proceedings er udgivet på CDROM

    Citer dette

    Hertzum, M., Juul, N. C., Jørgensen, N. H., & Nørgaard, M. (2004). Usable Security and E-Banking: Ease of Use vis-à-vis Security. I OZCHI 2004 Conference Proceedings University of Wollongong.