Towards Perceived Security, Perceived Privacy, and the Universal Design of E-Payment Applications

• URL: http://arxiv.org/abs/2407.05446v1
• Date: Sun, 7 Jul 2024 17:15:09 GMT
• Title: Towards Perceived Security, Perceived Privacy, and the Universal Design of E-Payment Applications
• Authors: Urvashi Kishnani, Isabella Cardenas, Jailene Castillo, Rosalyn Conry, Lukas Rodwin, Rika Ruiz, Matthew Walther, Sanchari Das,
• Abstract summary: We create a high-fidelity prototype of an e-payment application that encompassed features that we wanted to test with users. We find that both security and privacy are important for users of e-payment applications. Some participants perceive the strength of security and privacy based on the usability of the application.
• Score: 1.768591162113183
• License: http://creativecommons.org/licenses/by/4.0/
• Abstract: With the growth of digital monetary transactions and cashless payments, encouraged by the COVID-19 pandemic, use of e-payment applications is on the rise. It is thus imperative to understand and evaluate the current posture of e-payment applications from three major user-facing angles: security, privacy, and usability. To this, we created a high-fidelity prototype of an e-payment application that encompassed features that we wanted to test with users. We then conducted a pilot study where we recruited 12 participants who tested our prototype. We find that both security and privacy are important for users of e-payment applications. Additionally, some participants perceive the strength of security and privacy based on the usability of the application. We provide recommendations such as universal design of e-payment applications.

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