Krol, K;
Rahman, MS;
Parkin, S;
De Cristofaro, E;
Vasserman, E;
(2016)
An Exploratory Study of User Perceptions of Payment Methods in the UK and the US.
In:
Proceedings of NDSS Workshop on Usable Security (USEC 2016).
Internet Society: San Diego, CA, USA.
Preview |
Text
an-exploratory-study-of-user-perceptions-of-payment-methods-in-the-UK-and-US.pdf - Published Version Download (187kB) | Preview |
Abstract
This paper presents the design and the results of a cross-cultural study of user perceptions and attitudes toward electronic payment methods. We conduct a series of semi-structured interviews involving forty participants (20 in London, UK, and 20 in Manhattan, KS, USA) to explore how individuals use the mechanisms available to them within their routine payment and banking activities. We also study their comprehension of payment processes, the perceived effort and impact of using different methods, as well as direct or indirect recollections of (suspected or actual) fraud and related interactions with banks and retailers. By comparing UK and US participants, we also elicit commonalities and differences that may help better understand, if not predict, attitudes of US customers once technologies like Chip-and-PIN are rolled out – for instance, several US participants were confused by how to use it, while UK participants found it convenient. Our results show that purchasing habits as well as the availability of rewards schemes are primary criteria influencing choices relating to payment technologies, and that inconsistencies, glitches, and other difficulties with newer technologies generate frustration sometimes leading to complete avoidance of new payment methods.
| Type: | Proceedings paper |
|---|---|
| Title: | An Exploratory Study of User Perceptions of Payment Methods in the UK and the US |
| Event: | NDSS Workshop on Usable Security (USEC 2016) |
| Location: | San Diego, CA, USA |
| Dates: | 21 February 2016 - 21 February 2016 |
| ISBN: | 1891562428 |
| Open access status: | An open access version is available from UCL Discovery |
| DOI: | 10.14722/usec.2016.23018 |
| Publisher version: | https://www.internetsociety.org/sites/default/file... |
| Language: | English |
| Additional information: | Permission to freely reproduce all or part of this paper for noncommercial purposes is granted provided that copies bear this notice and the full citation on the first page. Reproduction for commercial purposes is strictly prohibited without the prior written consent of the Internet Society, the first-named author (for reproduction of an entire paper only), and the author’s employer if the paper was prepared within the scope of employment. USEC ’16, 21 February 2016, San Diego, CA, USA Copyright 2016 Internet Society, ISBN 1-891562-42-8 http://dx.doi.org/10.14722/usec.2016.23018 |
| UCL classification: | UCL UCL > Provost and Vice Provost Offices UCL > Provost and Vice Provost Offices > UCL BEAMS UCL > Provost and Vice Provost Offices > UCL BEAMS > Faculty of Engineering Science UCL > Provost and Vice Provost Offices > UCL BEAMS > Faculty of Engineering Science > Dept of Computer Science |
| URI: | https://discovery.ucl.ac.uk/id/eprint/1508474 |
Archive Staff Only
 |
View Item |
