Understanding Compliance to Privacy Guidelines Using Text-and Video-Based Scenarios

Privacy is a major concern for the design and user acceptance of pervasive technology. Investigating privacy poses several methodological challenges. A popular approach involves surveying reactions of people to scenarios that highlight privacy issues. This paper examines the validity of this approach. It reports an experiment that compared people's ability to correctly judge compliance to privacy principles when scenarios are presented in video versus textual form. It was found that such privacy-related concepts are hard to understand, leading to a large number of erroneous judgments regardless of medium and that interpretation varied across media. Comprehension in such studies can be improved, if a text scenario is preceded by a video-based version.</p

Would You Sell Your Mother‘s Data? Personal Data Disclosure in a Simulated Credit Card Application

To assess the risk of a loan applicant defaulting, lenders feed applicants ‟ data into credit scoring algorithms. They are always looking to improve the effectiveness of their predictions, which means improving the algorithms and/or collecting different data. Research on financial behavior found that elements of a person‟s family history and social ties can be good predictors of financial responsibility and control. Our study investigated how loan applicants applying for a credit card would respond to questions such as “Did any of your loved ones die while you were growing up? ” 48 participants were asked to complete a new type of credit card application form containing such requests as part of a “Consumer Acceptance Test ” of a credit card with lower interest rates, but only available to “financially responsible customers. ” This was a double-blind study – the experimenters processing participants were told exactly the same. We found that: (1) more sensitive items are disclosed less often- e.g. friends ‟ names and contact had only a 69 % answer rate; (2) privacy fundamentalists are 5.6 times less likely to disclose data; and (3) providing a justification for a question has no effect on its answer rate. Discrepancies between acceptability and disclosure were observed – e.g. 43 % provided names and contact of friends, having said they found the question unacceptable. We conclude that collecting data items not traditionally seen as relevant could be made acceptable if lenders can credibly establish relevance, and assure applicants they will be assessed fairly. More research needs to be done on how to best communicate these qualities