User Perceptions on Security and Usability of Mobile “Tap-and-Pay” Public Deposited

http://ir.library.oregonstate.edu/concern/graduate_thesis_or_dissertations/pk02cg19n

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  • Apple launched their first “tap-and-pay” mobile payment solution called “ApplePay” in October 2014 in the United States. Quickly catching up with the popularity of Apple Pay, Google launched their own mobile “tap-and-pay” paymentsolution called “Android Pay”. Both the companies claim that their tap-and-paysolutions are more convenient and more secure than swipe-and-pay with traditional debit or credit cards. In this work, we investigated security, privacy andusability aspects of why people use and do not use mobile tap-and-pay in stores.We used both qualitative and quantitative approaches for cross validation andmethodological triangulation.The results of our online survey with 860 participants (349 for Apple Pay and511 for Android Pay) suggest that the top reason for not using mobile tap-and-payis security. However, Apple Pay users did not feel insecure using it in stores. Acommon security misconception we found among the non-users was that they feltstoring card information on their phones is less secure than physically carryingcards inside their wallets. Our security knowledge questions revealed that suchparticipants lack knowledge about the security mechanisms being used to protectcard information. This suggests the possibility that technology adoption rates mayimprove with increased awareness of security protections, given that our studyresults show usability was the most important reason for using tap-and-pay overtraditional swipe-and-pay.We also found a positive correlation between the participants gender and adoption rate, suggesting that males are more likely to prefer and use tap-and-pay thanfemales.
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  • description.provenance : Approved for entry into archive by Julie Kurtz(julie.kurtz@oregonstate.edu) on 2017-07-08T00:05:05Z (GMT) No. of bitstreams: 1RayalaSwathiSriVishnuPriya2018.pdf: 6488989 bytes, checksum: f96c828bd78c6d6df27cccbb8988a7ab (MD5)
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