Smart cards: State-of-the-art to future directions

The evolution of smart card technology provides an interesting case study of the relationship and interactions between security and business requirements. This paper maps out the milestones for smart card technology, discussing at each step the opportunities and challenges. The paper reviews recently proposed innovative ownership/management models and the security challenges associated with them. The paper concludes with a discussion of possible future directions for the technology, and the challenges these present

Solutions for Financial Inclusion: Serving Rural Women

This document presents a CaseStudy for solutions for financial inclusion. Using Uganda as a CaseStudy, Women's World Banking set out to better understand the needs of rural women and to use the research and lessons learned there to make recommendations on the design and delivery of microfinance products within Uganda and throughout sub-Saharan Africa. The research highlights the specific gender-based social, cultural and legal barriers that rural women face in accessing and using financial services and examines operational challenges to effectively serving this market

The patterning of finance/security : a designerly walkthrough of challenger banking apps

Culture is being ‘appified’. Diverse, pre-existing everyday activities are being redesigned so they happen with and through apps. While apps are often encountered as equivalent icons in apps stores or digital devices, the processes of appification – that is, the actions required to turn something into an app – vary significantly. In this article, we offer a comparative analysis of a number of ‘challenger’ banking apps in the United Kingdom. As a retail service, banking is highly regulated and banks must take steps to identify and verify their customers before entering a retail relationship. Once established, this ‘secured’ financial identity underpins a lot of everyday economic activity. Adopting the method of the walkthrough analysis, we study the specific ways these processes of identifying and verifying the identity of the customer (now the user) occur through user onboarding. We argue that banking apps provide a unique way of binding the user to an identity, one that combines the affordances of smart phones with the techniques, knowledge and patterns of user experience design. With the appification of banking, we see new processes of security folded into the everyday experience of apps. Our analysis shows how these binding identities are achieved through what we refer to as the patterning of finance/security. This patterning is significant, moreover, given its availability for wider circulation beyond the context of retail banking apps

SeMA: A Design Methodology for Building Secure Android Apps

UX (user experience) designers visually capture the UX of an app via storyboards. This method is also used in Android app development to conceptualize and design apps. Recently, security has become an integral part of Android app UX because mobile apps are used to perform critical activities such as banking, communication, and health. Therefore, securing user information is imperative in mobile apps. In this context, storyboarding tools offer limited capabilities to capture and reason about security requirements of an app. Consequently, security cannot be baked into the app at design time. Hence, vulnerabilities stemming from design flaws can often occur in apps. To address this concern, in this paper, we propose a storyboard based design methodology to enable the specification and verification of security properties of an Android app at design time.Comment: Updates based on AMobile 2019 review