Mobile banking applications have gained popularity and have significantly revolutionised the banking industry. Despite the convenience offered by M-Banking Apps, users are often distrustful of the security of the applications due to an increasing trend of cyber security compromises, cyber-attacks, and data breaches. Considering the upsurge in cyber security vulnerabilities of M-Banking Apps and the paucity of research in this domain, this study was conducted to empirically measure user-perceived security of M-Banking Apps. A total of 315 responses from study participants were analysed using covariance-based structural equation modelling (CB-SEM). The results indicated that most constructs of the baseline Extended Unified Theory of Acceptance and Use of Technology (UTAUT2) structure were validated. Perceived security, institutional trust and technology trust were confirmed as factors that affect user's intention to adopt and use M-Banking Apps. However, perceived risk was not confirmed as a significant predictor. The current study further revealed that in the context of M-Banking Apps, the effects of security and trust are complex. The impact of perceived security and institutional trust on behavioural intention was moderated by age, gender, experience, income, and education, while perceived security on use behaviour was moderated by age, gender, and experience. The effect of technology trust on behavioural intention was moderated by age, education, and experience. Overall, the proposed conceptual model achieved acceptable fit and explained 79% of the variance in behavioural intention and 54.7% in use behaviour of M-Banking Apps, higher than that obtained in the original UTAUT2. The guarantee of enhanced security, advanced privacy mechanisms and trust should be considered paramount in future strategies aimed at promoting M-Banking Apps adoption and use.
Managing finances is crucial for older adults who are retired and may rely on savings to ensure their life quality. As digital banking platforms (e.g., mobile apps, electronic payment) gradually replace physical ones, it is critical to understand how they adapt to digital banking and the potential frictions they experience. We conducted semi-structured interviews with 16 older adults in China, where the aging population is the largest and digital banking grows fast. We also interviewed bank employees to gain complementary perspectives of these help givers. Our findings show that older adults u…
The purpose of this research is to see the application of modified TAM model by entering the experiential variable as a moderation variable to see one's intention in the use of technology especially internet banking. Data obtained through the distribution of questionnaires to customers. The study population is bank customers registered as users of internet banking services. The sample selection used a simple random sampling technique. Hypothesis testing using Partial Least Square (PLS) method through AMOS program. The results showed that the proposed five hypotheses, two significant and three …
To prevent password breaches and guessing attacks, banks increasingly turn to two-factor authentication (2FA), requiring users to present at least one more factor, such as a one-time password generated by a hardware token or received via SMS, besides a password. We can expect some solutions -- especially those adding a token -- to create extra work for users, but little research has investigated usability, user acceptance, and perceived security of deployed 2FA. This paper presents an in-depth study of 2FA usability with 21 UK online banking customers, 16 of whom had accounts with more than on…
Internet banking (IB) continues to face security concerns arising from illegal access to users accounts. Use of personal identification numbers (PIN) as a single authentication method for IB users is prone to insecurities such as phishing, hacking and shoulder surfing. Fingerprint matching (FPM) as an alternative to PIN equally has a downside as fingerprints reside on individual mobile devices. A survey we conducted from 170 IB respondents of 5 different banks in Brunei established that majority (65%) of them preferred use of biometric authentication methods. In this work, we propose a two-lev…
This study investigates smartphone users perceptions of adopting and accepting Mobile Commerce (MC) based on users perceived adoption under the extended Technology Acceptance Model (TAM2) and Innovation Diffusion Theory (IDT) by providing research constructs for the domain of MC. Also, testing them with reliability and validity and demonstrating their distinctiveness with hypothesis testing. The results show that consumer intention to adopt MC on a smartphone was primarily influenced by Uncertainty Avoidance (UA), User Experience (UX), Perceived Ease Of Use (PEOU), Perceived Usefulness (PU) an…
Phishing is an online fraudulent technique, which aims to steal sensitive information such as usernames, passwords and online banking details from its victims. To prevent this, anti-phishing education needs to be considered. This research focuses on examining the effectiveness of mobile game based learning compared to traditional online learning to thwart phishing threats. Therefore, a mobile game prototype was developed based on the design introduced by Arachchilage and Cole [3]. The game design aimed to enhance avoidance behaviour through motivation to thwart phishing threats. A website deve…
Neural language models have the potential to support human writing. However, questions remain on their integration and influence on writing and output. To address this, we designed and compared two user interfaces for writing with AI on mobile devices, which manipulate levels of initiative and control: 1) Writing with continuously generated text, the AI adds text word-by-word and user steers. 2) Writing with suggestions, the AI suggests phrases and user selects from a list. In a supervised online study (N=18), participants used these prototypes and a baseline without AI. We collected touch int…
With the continuous growth in the consumer markets of mobile smartphones and increasingly in augmented reality wearable devices, several avenues of research investigate the relationships between the quality perceived by mobile users and the delivery mechanisms at play to support a high quality of experience for mobile users. In this paper, we present the first study that evaluates the relationships of mobile movie quality and the viewer-perceived quality thereof in an augmented reality setting with see-through devices. We find that participants tend to overestimate the video quality and exhibi…
As technology and technology companies have grown in power, ubiquity, and societal influence, some companies -- and notably some mobile apps -- have come to be perceived as privacy threats. Prior work has considered how various factors impact perceptions of threat, including social factors, political speech, and user-interface design. In this work, we investigate how user-visible context clues impact perceptions about whether a mobile application application poses a privacy threat. We conduct a user study with 2109 users in which we find that users depend on context clues -- such as presence o…
Context: Visual aesthetics is increasingly seen as an essential factor in perceived usability, interaction, and overall appraisal of user interfaces especially with respect to mobile applications. Yet, a question that remains is how to assess and to which extend users agree on visual aesthetics. Objective: This paper analyzes the inter-rater agreement on visual aesthetics of user interfaces of Android apps as a basis for guidelines and evaluation models. Method: We systematically collected ratings on the visual aesthetics of 100 user interfaces of Android apps from 10 participants and analyzed…
In this study, we examine the ways in which user attitudes towards privacy and security relating to mobile devices and the data stored thereon may impact the strength of unlock authentication, focusing on Android's graphical unlock patterns. We conducted an online study with Amazon Mechanical Turk ($N=750$) using self-reported unlock authentication choices, as well as Likert scale agreement/disagreement responses to a set of seven privacy/security prompts. We then analyzed the responses in multiple dimensions, including a straight average of the Likert responses as well as using Principle Comp…
Performing controlled user experiments on small devices in naturalistic mobile settings has always proved to be a difficult undertaking for many Human Factors researchers. Difficulties exist, not least, because mimicking natural small device usage suffers from a lack of unobtrusive data to guide experimental design, and then validate that the experiment is proceeding naturally.Here we use observational data to derive a set of protocols and a simple checklist of validations which can be built into the design of any controlled experiment focused on the user interface of a small device. These, ha…
Mobile devices have access to personal, potentially sensitive data, and there is a large number of mobile applications and third-party libraries that transmit this information over the network to remote servers (including app developer servers and third party servers). In this paper, we are interested in better understanding of not just the extent of personally identifiable information (PII) exposure, but also its context i.e., functionality of the app, destination server, encryption used, etc.) and the risk perceived by mobile users today. To that end we take two steps. First, we perform a me…
Tapping is an immensely important gesture in mobile touchscreen interfaces, yet people still frequently are required to learn which elements are tappable through trial and error. Predicting human behavior for this everyday gesture can help mobile app designers understand an important aspect of the usability of their apps without having to run a user study. In this paper, we present an approach for modeling tappability of mobile interfaces at scale. We conducted large-scale data collection of interface tappability over a rich set of mobile apps using crowdsourcing and computationally investigat…
In healthcare, AI systems support clinicians and patients in diagnosis, treatment, and monitoring, but many systems' poor explainability remains challenging for practical application. Overcoming this barrier is the goal of explainable AI (XAI). However, an explanation can be perceived differently and, thus, not solve the black-box problem for everyone. The domain of Human-Centered AI deals with this problem by adapting AI to users. We present a user-centered persona concept to evaluate XAI and use it to investigate end-users preferences for various explanation styles and contents in a mobile h…
With the use of primaries which have increasingly narrow bandwidths in modern displays, observer metameric breakdown is becoming a significant factor. This can lead to discrepancies in the perceived color between different observers. If the spectral sensitivity of a user's eyes could be easily measured, next generation displays would be able to adjust the display content to ensure that the colors are perceived as intended by a given observer. We present a mathematical framework for calculating spectral sensitivities of a given human observer using a color matching experiment that could be done…
In this paper we present use cases for affective user interfaces (UIs) in cars and how they are perceived by potential users in China and Germany. Emotion-aware interaction is enabled by the improvement of ubiquitous sensing methods and provides potential benefits for both traffic safety and personal well-being. To promote the adoption of affective interaction at an international scale, we developed 20 mobile in-car use cases through an inter-cultural design approach and evaluated them with 65 drivers in Germany and China. Our data shows perceived benefits in specific areas of pragmatic qualit…
Influence of Interactivity in Shaping User Experience and Social Acceptance of Mobile XR
Technical University of Berlin（柏林工业大学）；German Research Center for Artificial Intelligence (DFKI)（德国人工智能研究中心）；Hamm-Lippstadt University of Applied Sciences（哈姆-利普施泰特应用科技大学）
Adoption, usability and perceived clinical value of a UK AI clinical reference platform (iatroX): a mixed-methods formative evaluation of real-world usage and a 1,223-respondent user survey
NarraGuide: an LLM-based Narrative Mobile Robot for Remote Place Exploration
Department of Computer Sciences\ of Wisconsin--Madison Department of Computer Sciences, University of Wisconsin--Madison；The Robotics Institute\ Mellon University Carnegie Mellon University；Department of Computer Sciences\ of Wisconsin--Madison；The Robotics Institute\ Mellon University
FinBots are chatbots built on automated decision technology, aimed to facilitate accessible banking and to support customers in making financial decisions. Chatbots are increasing in prevalence, sometimes even equipped to mimic human social rules, expectations and norms, decreasing the necessity for human-to-human interaction. As banks and financial advisory platforms move towards creating bots that enhance the current state of consumer trust and adoption rates, we investigated the effects of chatbot vignettes with and without socio-emotional features on intention to use the chatbot for financ…
The Impact of Social Environment and Interaction Focus on User Experience and Social Acceptability of an Augmented Reality Game
TU Berlin（柏林工业大学）；German Research Center for Artificial Intelligence (DFKI)（德国人工智能研究中心）；Hamm-Lippstadt University of Applied Sciences（哈姆-利普施塔特应用科学大学）；Politecnico di Milano（米兰理工大学）
This paper presents a mobile application for vote-casting and vote-verification based on the Selene e-voting protocol and explains how it was developed and implemented using the User Experience Design process. The resulting interface was tested with 38 participants, and user experience data was collected via questionnaires and semi-structured interviews on user experience and perceived security. Results concerning the impact of displaying security mechanisms on UX were presented in a complementary paper. Here we expand on this analysis by studying the mental models revealed during the intervie…
The emergence of mobile eye trackers embedded in next generation smartphones or VR displays will make it possible to trace not only what objects we look at but also the level of attention in a given situation. Exploring whether we can quantify the engagement of a user interacting with a laptop, we apply mobile eye tracking in an in-depth study over 2 weeks with nearly 10.000 observations to assess pupil size changes, related to attentional aspects of alertness, orientation and conflict resolution. Visually presenting conflicting cues and targets we hypothesize that it's feasible to measure the…
