User Perception of Bitcoin Usability and Security across Novice Users

This paper investigates users’ perceptions and experiences of an anonymous digital payment system (Bitcoin) and its influence on users in terms of usability and security in comparison to other non-anonymous payment systems such as credit/debit cards. This paper identifies users’ perceptual differences in terms of usability and security. Two versions of user survey are used to collect data, which reveal significant differences in users’ perceptions of credit/debit cards and Bitcoin. The usability attributes of both systems examined show that respondents perceive the usability of credit/debit cards to be higher than Bitcoin. This has a great negative influence on users’ security perceptions of Bitcoin. We conclude that Bitcoin, as a crypto-currency, is still in its infancy and requires user education and a new way of thinking. The study recommends developing users’ mental models to deepen developers’ understanding of anonymous digital payment technology and improve user-centred design. We also make recommendations with respect to e-government services that may be developed relying on crypto-currencies

Information bias and trust in bitcoin speculation

The Internet pervades modern life, offering up opportunities to connect, inform and be informed. As the range and number of sources for information online explode, how people select and interpret information has become a pertinent area for study, not least in light of the prevalence of fake-news. People are well known to act upon information they believe to be trustworthy and where the decision to act incurs risk, an inability to accurately select and assess the credibility of information presents a challenge. Bitcoin, the nascent crypto-currency, presents a domain within which profound financial risk abounds. Even for those armed with experience and knowledge there are numerous challenges to assessing risk, especially as sources of Bitcoin information can be observed to be partisan and of questionable accuracy. Within the domain of bitcoin speculation, this thesis asks the central research question of: are people able to select and correctly evaluate information they might rely upon to make decisions? In addressing this research question, this thesis offers - through the application of a psychological model of informational trust to bitcoin speculators - two fundamental contributions: Firstly, that these users are able to identify relevant news without a reliance upon confirmation bias. Secondly, that a notable percentage of users are not evaluating the credibility of online news by expertly interpreting the fundamentals of information but, rather deferring their trust to either the source news website or a more broad trust of information on the Internet. For these users, chance or luck may mean that they are basing their decisions upon factually accurate news. But this is a position which makes them particularly vulnerable to fake-news where it is spread via sources which they might trust. This position of susceptibility provides evidence to support further security research of both the prevalence of, and counter-measures for fake-news

The trade-off between usability and security in the context of eGovernment

Electronic government (e-government) implements a wide range of online services that are supported by the latest information communication technology (ICT) and accessible by devices that have great mobility in delivering services to citizens. The ongoing rapid advancements of these portable devices make user centred service design more challenging and complex as citizens’ demands, needs and preferences are varied and become more complicated over time. Also, existing research reveals that e-government still experiencing the challenge of creating better users’ interaction in terms of accessing online information and using electronic services. Among a variety of reasons for this challenge, usability and security have been recognised in previous research to be the main reasons in users’ decisions to use e-government services and need to be investigated. In addition, to the limited attention given to users’ preferences and human-centred design guidelines, creates more unusable and unsecure services. This research attempts to investigate the trade-off between usability and security from a user perspective, in order to understand how users, perceive the usability and security of e-government services by focusing on three elements of e-government. The research investigates three aspects related to e-government services, when new service being introduced, new devices being integrated, and new technology adopted. Each research study examines one of these aspects to explore how users or citizens perceive them in term of usability and security. By conducting these three studies, the researcher seeks a clear and comprehensive picture of users’ attitudes, opinions and preferences, and a rich insight into users’ needs. This research tries to explain user requirements for new services, devices and technology implemented in e-government settings, in terms of usability and security features. A mixed methods strategy, using quantitative and qualitative methods, is used capture users’ experiences and attitudes to the use of e-government services in terms of usability and security. These methods help us understand the three, related, aspects of e-government through the eyes of the participants rather than in categories predetermined by the researcher. Therefore, a questionnaire survey is used, with open-ended questions, and focus group research. A broader landscape view on the present state of users’ perception and attitudes about the trade-off between usability and security was studied and reported according to the findings from the three studies. The three studies findings and the literature review help the researcher to propose a set of usability and security guidelines to improve e-government services, which in turn would improve e-services usability and security aspects. The proposed set of guidelines complement the general usability guidelines or heuristics by considering user concerns and insights. The author presented some recommendation based on the findings of each study. These guidelines can be useful to guide designers to develop a usable and more secure e-services that match with users’ requirements