000000315 001__ 315
000000315 005__ 20170309202606.0
000000315 037__ $$aLERSSE-RefConfPaper-2017-001
000000315 100__ $$aJun Ho Huh
000000315 245__ $$aI Don’t Use Apple Pay Because It’s Less Secure ...: Perception of Security and Usability in Mobile Tap-and-Pay
000000315 260__ $$c2017-03-07
000000315 300__ $$a12
000000315 520__ $$aThis paper reports on why people use, not use, or have stopped using mobile tap-and-pay in stores. The results of our online survey with 349 Apple Pay and 511 Android Pay participants suggest that the top reason for using mobile tap-andpay is usability. Surprisingly, for nonusers of Apple Pay, security was their biggest concern. A common security misconception we found among the nonusers (who stated security as their biggest concern) was that they felt storing card information on their phones is less secure than physically carrying cards inside their wallets. Our security knowledge questions revealed that such participants lack knowledge about the security mechanisms being used to protect card information. We also found a positive correlation between the participants’ familiarity with security of mobile tap-and-pay and their adoption rate, suggesting that the participants who are more knowledgeable of the security protections in place are more likely to be using the technology.
000000315 700__ $$aSaurabh Verma
000000315 700__ $$aSwathi Sri V Rayala
000000315 700__ $$aRakesh B. Bobba
000000315 700__ $$aKonstantin Beznosov
000000315 700__ $$aHyoungshick Kim
000000315 8560_ $$flersse-it@ece.ubc.ca
000000315 8564_ $$uhttp://lersse-dl.ece.ubc.ca/record/315/files/usec2017_paper.pdf
000000315 8564_ $$uhttp://lersse-dl.ece.ubc.ca/record/315/files/usec2017_paper.pdf?subformat=pdfa$$xpdfa
000000315 909C4 $$pJ. H. Huh, S. Verma, S. S. V. Rayala, R. B. Bobba, K. Beznosov, H. Kim, “I Don’t Use Apple Pay Because It’s Less Secure ...: Perception of Security and Usability in Mobile Tap-and-Pay,” to appear in Proceedings of the Workshop on Usable Security (USEC), 2017, 12 pages.
000000315 980__ $$aRefConfPaper