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The use of mobile payment services is an essential contributor to financial inclusion in emerging markets. Unfortunately, the service has become a platform for fraud. Mobile payment users need to be digitally resilient to continue using the…

Computers and Society · Computer Science 2021-08-24 Muftawu Dzang Alhassan , Martin Butler

Precise access control decisions are crucial for the security of both traditional applications and emerging agent-based systems. Typically, these decisions are made by users during app installation or at runtime. However, due to the…

Cryptography and Security · Computer Science 2026-05-06 Friederike Groschupp , Daniele Lain , Aritra Dhar , Lara Magdalena Lazier , Srdjan Čapkun

The widespread use of smartphones and tablets has made society heavily reliant on mobile applications (apps) for accessing various resources and services. These apps often handle sensitive personal, financial, and health data, making app…

Cryptography and Security · Computer Science 2024-09-17 Timothy Huo , Ana Catarina Araújo , Jake Imanaka , Anthony Peruma , Rick Kazman

Traditional single-factor authentication possesses several critical security vulnerabilities due to single-point failure feature. Multi-factor authentication (MFA), intends to enhance security by providing additional verification steps.…

Cryptography and Security · Computer Science 2019-08-19 Sanchari Das , Bingxing Wang , L. Jean Camp

Financial inclusion is a longstanding concern across underdeveloped communities, particularly for women. However, there are limited data-driven measures to first quantitatively identify such concerns and second to inform policies. In this…

Computers and Society · Computer Science 2026-03-02 Abdul Wadood Asim , Khansa Zafar , Muhammad Raees

Contact-tracing apps have potential benefits in helping health authorities to act swiftly to halt the spread of COVID-19. However, their effectiveness is heavily dependent on their installation rate, which may be influenced by people's…

Human-Computer Interaction · Computer Science 2020-05-26 Tianshi Li , Jackie , Yang , Cori Faklaris , Jennifer King , Yuvraj Agarwal , Laura Dabbish , Jason I. Hong

Nowadays, privacy has become a very serious issue with smart and mobile platforms. Users tend to allow intrusive apps access much sensible information without really knowing the potential threats. To solve this issue several solutions (e.g.…

Computers and Society · Computer Science 2018-09-05 Alan Ferrari , Silvia Giordano

Voice-controlled smart speaker devices have gained a foothold in many modern households. Their prevalence combined with their intrusion into core private spheres of life has motivated research on security and privacy intrusions, especially…

Cryptography and Security · Computer Science 2022-12-06 Maliheh Shirvanian , Sebastian Meiser

A growing trend in financial technology (fintech) is the use of mobile phone data and machine learning (ML) to provide credit scores- and subsequently, opportunities to access loans- to groups left out of traditional banking. This paper…

Computers and Society · Computer Science 2025-07-21 Genevieve Smith

The widespread adoption of web applications has made their security a critical concern and has increased the need for systematic ways to assess whether they can be considered trustworthy. However, "trust" assessment remains an open problem…

Cryptography and Security · Computer Science 2026-03-26 Oleksandr Yarotskyi , José D'Abruzzo Pereira , João R. Campos

Information System (IS) Security threats is still a major concern for many organisations. However, most organisations fall short in achieving a successful adoption and implementation of IS security measures. In this paper, we developed a…

Cryptography and Security · Computer Science 2017-05-05 Mumtaz Abdul Hameed , Nalin Asanka Gamagedara Arachchilage

Advancement in information system leads organizations to apply e-learning system to train their employees in order to enhance its performance. In this respect, applying web based training will enable the organization to train their…

Other Computer Science · Computer Science 2012-05-10 Thamer A. Alrawashdeh , Mohammad I. Muhairat , Sokyna M. Alqatawnah

Software updates are essential to enhance security, fix bugs, and add better features to the existing software. While some users accept software updates, non-compliance remains a widespread issue. While some users accept software updates,…

Software Engineering · Computer Science 2025-10-30 Mahzabin Tamanna , Mohd Anwar , Joseph D. W. Stephens

A lack of awareness surrounding secure online behaviour can lead to end-users, and their personal details becoming vulnerable to compromise. This paper describes an ongoing research project in the field of usable security, examining the…

Human-Computer Interaction · Computer Science 2018-06-20 Lynsay A. Shepherd , Jacqueline Archibald

Rolling out a new security mechanism in an organisation requires planning, good communication, adoption from users, iterations of reflection on the challenges experienced and how they were overcome. Our case study elicited users'…

Cryptography and Security · Computer Science 2020-11-06 Abideen Tetlay , Helen Treharne , Tom Ascroft , Sotiris Moschoyiannis

Financial institutions increasingly rely on distributed architectures, open banking APIs, cloud native infrastructures, and high frequency digital transactions. These transformations expand the attack surface and expose limitations in…

Cryptography and Security · Computer Science 2025-12-30 Paulo Fernandes Biao

Modern life has witnessed the explosion of mobile devices. However, besides the valuable features that bring convenience to end users, security and privacy risks still threaten users of mobile apps. The increasing sophistication of these…

Cryptography and Security · Computer Science 2025-12-02 Tran Thanh Lam Nguyen , Barbara Carminati , Elena Ferrari

Cyber assurance, which is the ability to operate under the onslaught of cyber attacks and other unexpected events, is essential for organizations facing inundating security threats on a daily basis. Organizations usually employ multiple…

Cryptography and Security · Computer Science 2022-07-26 Nan Sun , Chang-Tsun Li , Hin Chan , Md Zahidul Islam , Md Rafiqul Islam , Warren Armstrong

Metaverse is a virtual universe that combines the physical world and the digital world. People can socialize, play games and even shop with their avatars created in this virtual environment. Metaverse, which is growing very fast in terms of…

General Economics · Economics 2022-08-18 İbrahim Halil Efendioğlu

Smartphone-based contact-tracing apps are a promising solution to help scale up the conventional contact-tracing process. However, low adoption rates have become a major issue that prevents these apps from achieving their full potential. In…

Human-Computer Interaction · Computer Science 2021-05-12 Tianshi Li , Camille Cobb , Jackie , Yang , Sagar Baviskar , Yuvraj Agarwal , Beibei Li , Lujo Bauer , Jason I. Hong