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Download full chapter Design User Experience And Usability Case Studies In Public And Personal Interactive Systems 9Th International Conference Duxu 2020 Held As Part Of The 22Nd Hci International Conference Hcii 20 pdf docx
Download full chapter Design User Experience And Usability Case Studies In Public And Personal Interactive Systems 9Th International Conference Duxu 2020 Held As Part Of The 22Nd Hci International Conference Hcii 20 pdf docx
Download full chapter Design User Experience And Usability Case Studies In Public And Personal Interactive Systems 9Th International Conference Duxu 2020 Held As Part Of The 22Nd Hci International Conference Hcii 20 pdf docx
and Usability
Case Studies in Public and Personal
Interactive Systems
9th International Conference, DUXU 2020
Held as Part of the 22nd HCI International Conference, HCII 2020
Copenhagen, Denmark, July 19–24, 2020, Proceedings, Part III
Lecture Notes in Computer Science 12202
Founding Editors
Gerhard Goos
Karlsruhe Institute of Technology, Karlsruhe, Germany
Juris Hartmanis
Cornell University, Ithaca, NY, USA
123
Editors
Aaron Marcus Elizabeth Rosenzweig
Aaron Marcus and Associates World Usability Day and Bentley User
Berkeley, CA, USA Experience Center
Newton Center, MA, USA
This Springer imprint is published by the registered company Springer Nature Switzerland AG
The registered company address is: Gewerbestrasse 11, 6330 Cham, Switzerland
Foreword
Thematic areas:
• HCI 2020: Human-Computer Interaction
• HIMI 2020: Human Interface and the Management of Information
Affiliated conferences:
• EPCE: 17th International Conference on Engineering Psychology and Cognitive
Ergonomics
• UAHCI: 14th International Conference on Universal Access in Human-Computer
Interaction
• VAMR: 12th International Conference on Virtual, Augmented and Mixed Reality
• CCD: 12th International Conference on Cross-Cultural Design
• SCSM: 12th International Conference on Social Computing and Social Media
• AC: 14th International Conference on Augmented Cognition
• DHM: 11th International Conference on Digital Human Modeling and Applications
in Health, Safety, Ergonomics and Risk Management
• DUXU: 9th International Conference on Design, User Experience and Usability
• DAPI: 8th International Conference on Distributed, Ambient and Pervasive
Interactions
• HCIBGO: 7th International Conference on HCI in Business, Government and
Organizations
• LCT: 7th International Conference on Learning and Collaboration Technologies
• ITAP: 6th International Conference on Human Aspects of IT for the Aged
Population
• HCI-CPT: Second International Conference on HCI for Cybersecurity, Privacy and
Trust
• HCI-Games: Second International Conference on HCI in Games
• MobiTAS: Second International Conference on HCI in Mobility, Transport and
Automotive Systems
• AIS: Second International Conference on Adaptive Instructional Systems
• C&C: 8th International Conference on Culture and Computing
• MOBILE: First International Conference on Design, Operation and Evaluation of
Mobile Communications
• AI-HCI: First International Conference on Artificial Intelligence in HCI
Conference Proceedings Volumes Full List
1. LNCS 12181, Human-Computer Interaction: Design and User Experience (Part I),
edited by Masaaki Kurosu
2. LNCS 12182, Human-Computer Interaction: Multimodal and Natural Interaction
(Part II), edited by Masaaki Kurosu
3. LNCS 12183, Human-Computer Interaction: Human Values and Quality of Life
(Part III), edited by Masaaki Kurosu
4. LNCS 12184, Human Interface and the Management of Information: Designing
Information (Part I), edited by Sakae Yamamoto and Hirohiko Mori
5. LNCS 12185, Human Interface and the Management of Information: Interacting
with Information (Part II), edited by Sakae Yamamoto and Hirohiko Mori
6. LNAI 12186, Engineering Psychology and Cognitive Ergonomics: Mental
Workload, Human Physiology, and Human Energy (Part I), edited by Don Harris
and Wen-Chin Li
7. LNAI 12187, Engineering Psychology and Cognitive Ergonomics: Cognition and
Design (Part II), edited by Don Harris and Wen-Chin Li
8. LNCS 12188, Universal Access in Human-Computer Interaction: Design
Approaches and Supporting Technologies (Part I), edited by Margherita Antona
and Constantine Stephanidis
9. LNCS 12189, Universal Access in Human-Computer Interaction: Applications and
Practice (Part II), edited by Margherita Antona and Constantine Stephanidis
10. LNCS 12190, Virtual, Augmented and Mixed Reality: Design and Interaction
(Part I), edited by Jessie Y. C. Chen and Gino Fragomeni
11. LNCS 12191, Virtual, Augmented and Mixed Reality: Industrial and Everyday
Life Applications (Part II), edited by Jessie Y. C. Chen and Gino Fragomeni
12. LNCS 12192, Cross-Cultural Design: User Experience of Products, Services, and
Intelligent Environments (Part I), edited by P. L. Patrick Rau
13. LNCS 12193, Cross-Cultural Design: Applications in Health, Learning,
Communication, and Creativity (Part II), edited by P. L. Patrick Rau
14. LNCS 12194, Social Computing and Social Media: Design, Ethics, User Behavior,
and Social Network Analysis (Part I), edited by Gabriele Meiselwitz
15. LNCS 12195, Social Computing and Social Media: Participation, User Experience,
Consumer Experience, and Applications of Social Computing (Part II), edited by
Gabriele Meiselwitz
16. LNAI 12196, Augmented Cognition: Theoretical and Technological Approaches
(Part I), edited by Dylan D. Schmorrow and Cali M. Fidopiastis
17. LNAI 12197, Augmented Cognition: Human Cognition and Behaviour (Part II),
edited by Dylan D. Schmorrow and Cali M. Fidopiastis
x Conference Proceedings Volumes Full List
18. LNCS 12198, Digital Human Modeling and Applications in Health, Safety,
Ergonomics and Risk Management: Posture, Motion and Health (Part I), edited
by Vincent G. Duffy
19. LNCS 12199, Digital Human Modeling and Applications in Health, Safety,
Ergonomics and Risk Management: Human Communication, Organization and
Work (Part II), edited by Vincent G. Duffy
20. LNCS 12200, Design, User Experience, and Usability: Interaction Design (Part I),
edited by Aaron Marcus and Elizabeth Rosenzweig
21. LNCS 12201, Design, User Experience, and Usability: Design for Contemporary
Interactive Environments (Part II), edited by Aaron Marcus and Elizabeth
Rosenzweig
22. LNCS 12202, Design, User Experience, and Usability: Case Studies in Public and
Personal Interactive Systems (Part III), edited by Aaron Marcus and Elizabeth
Rosenzweig
23. LNCS 12203, Distributed, Ambient and Pervasive Interactions, edited by Norbert
Streitz and Shin’ichi Konomi
24. LNCS 12204, HCI in Business, Government and Organizations, edited by Fiona
Fui-Hoon Nah and Keng Siau
25. LNCS 12205, Learning and Collaboration Technologies: Designing, Developing
and Deploying Learning Experiences (Part I), edited by Panayiotis Zaphiris and
Andri Ioannou
26. LNCS 12206, Learning and Collaboration Technologies: Human and Technology
Ecosystems (Part II), edited by Panayiotis Zaphiris and Andri Ioannou
27. LNCS 12207, Human Aspects of IT for the Aged Population: Technologies,
Design and User Experience (Part I), edited by Qin Gao and Jia Zhou
28. LNCS 12208, Human Aspects of IT for the Aged Population: Healthy and Active
Aging (Part II), edited by Qin Gao and Jia Zhou
29. LNCS 12209, Human Aspects of IT for the Aged Population: Technology and
Society (Part III), edited by Qin Gao and Jia Zhou
30. LNCS 12210, HCI for Cybersecurity, Privacy and Trust, edited by Abbas Moallem
31. LNCS 12211, HCI in Games, edited by Xiaowen Fang
32. LNCS 12212, HCI in Mobility, Transport and Automotive Systems: Automated
Driving and In-Vehicle Experience Design (Part I), edited by Heidi Krömker
33. LNCS 12213, HCI in Mobility, Transport and Automotive Systems: Driving
Behavior, Urban and Smart Mobility (Part II), edited by Heidi Krömker
34. LNCS 12214, Adaptive Instructional Systems, edited by Robert A. Sottilare and
Jessica Schwarz
35. LNCS 12215, Culture and Computing, edited by Matthias Rauterberg
36. LNCS 12216, Design, Operation and Evaluation of Mobile Communications,
edited by Gavriel Salvendy and June Wei
37. LNCS 12217, Artificial Intelligence in HCI, edited by Helmut Degen and Lauren
Reinerman-Jones
Conference Proceedings Volumes Full List xi
38. CCIS 1224, HCI International 2020 Posters - Part I, edited by Constantine
Stephanidis and Margherita Antona
39. CCIS 1225, HCI International 2020 Posters - Part II, edited by Constantine
Stephanidis and Margherita Antona
40. CCIS 1226, HCI International 2020 Posters - Part III, edited by Constantine
Stephanidis and Margherita Antona
http://2020.hci.international/proceedings
9th International Conference on Design, User
Experience, and Usability (DUXU 2020)
The full list with the Program Board Chairs and the members of the Program Boards of
all thematic areas and affiliated conferences is available online at:
http://www.hci.international/board-members-2020.php
HCI International 2021
The 23rd International Conference on Human-Computer Interaction, HCI International
2021 (HCII 2021), will be held jointly with the affiliated conferences in
Washington DC, USA, at the Washington Hilton Hotel, July 24–29, 2021. It will
cover a broad spectrum of themes related to Human-Computer Interaction (HCI),
including theoretical issues, methods, tools, processes, and case studies in HCI design,
as well as novel interaction techniques, interfaces, and applications. The proceedings
will be published by Springer. More information will be available on the conference
website: http://2021.hci.international/.
General Chair
Prof. Constantine Stephanidis
University of Crete and ICS-FORTH
Heraklion, Crete, Greece
Email: general_chair@hcii2021.org
http://2021.hci.international/
Contents – Part III
Research Upon the Relativity Between Digital Media and Tourism . . . . . . . . 594
Wei Feng and Peng Wang
{samira.benazar,miguel.moquillaza}@usil.pe
Abstract. The Automated Teller Machines or ATM carry out transactions through
the use of physical magnetic smart cards and four-digit PINs. To this is added
the fact that physical cards could be easily lost and the combinations for PINs
are insufficient. By employing a QR-based withdrawal system in combination
with mobile banking, the user is allowed to perform cardless withdrawals and
avoid the risk of peeping attacks and save valuable time. The difficulty is that the
user should be familiar with mobile phones and QR codes scanning processes.
Although there is insufficient knowledge of usability in the ATM field, attempts to
the application of a systematic user-centered approach have delivered encouraging
results, improving the satisfaction of the users in withdrawal operations. In this
study, we apply a user-centered design framework, proposed in previous works by
the authors, for the design of the interfaces of the QR-based withdrawal transaction.
1 Introduction
In the current competitive market, final users are more concerned about quality attributes
than the functionality a product could have [1]. In the financial sector, it is critical
to design usable banking software; for the user, final interfaces are the product and
frustrating experiences could harm the institutional brand [2].
Self-Service Technologies (SST) and Automated Teller Machines (or ATM) are
becoming ubiquitous [3]. Therefore, ATM transactions have become a common activity
in everyone’s daily life [4].
The existing ATM is based on a system that employs four-digit PINs and physical
cards that are read to identify and authenticate a user [4]. However, studies and surveys
confirmed that at least 52.8% cardholders share their bank cards and PIN with at least
one friend or relative, introducing the risk of fraud and loss of privacy [5].
According to Maqua et al. [6], a criminal has several devices to skim or scam different
areas on an ATM, such as fake card readers or an overlaid skimmer plate over the existing
keypad. Added to this is the fact that when a cardholder loses a physical card, there is
no quick way to use the ATM and get cash since a replacement card requires hours or
even days to be emitted [5].
Several companies and studies had proposed different methods to not force the
customer to make use of his card nor the ATM pin pad by using his smartphone in com-
bination with QR codes to withdraw money [6]. For instance, NCR company developed
back in 2012 a Smart ATM that reduced transaction time to ten seconds by using the
smartphones cameras to scan a QR displayed at the ATM interface [7]. More recently,
Bank of India implemented QR withdrawal within its Unified Payment Interface or UPI,
which keeps the transaction secure by two-factor authentication; however, this cardless
withdrawal has limitations on the withdrawable amount by now [8].
The interest in the use of QR visual tags is a natural consequence of the evolution
of mobile phones, and it has been used also to enhanced baking authentication security
[9]. Tandon et al. [10] considered that the QR code itself is advantageous for customers
in terms of security, and for vendors in terms of efficiency.
Subpratatsavee and Kuacharoen [11] proposed a scheme where QR code is used
as a transaction authentication that prevents online phishing attacks, eavesdropping,
and message modification; however, it is scoped only for mobile and internet banking.
According to Malathi et al. [12], a better approach to avoid internet banking’s own
problems is that the ATM contains a QR code and the smartphone decodes it with a
mobile application.
Even though several proposals for cardless withdrawal are reported in the literature,
the problem of the user experience and usability persists. Ruslan et al. [13] consider that
QR on Mobile Banking is still not perfect and needs to be improved to be integrated with
ATM. Besides, Alhothaily et al. [5] and Malathi et al. [12], left the usability for future
works and investigations.
In that sense, BBVA Perú, a leading bank in Perú, summed up to the cardless oper-
ations trend and wanted to develop a cash withdrawal system based on mobile banking
and QR scanning. This Case Study focuses on the design phase of this project, where
the authors applied the user-centered design framework for ATM interfaces proposed
by Aguirre et al. in previous works. This paper is structured as follows. In Sect. 2, we
described the methods employed from the mentioned ATM design framework. In Sect. 3,
the process conducted in the Case Study is carefully described. In Sect. 4, we show the
ATM interfaces obtained from the application of the framework and its mobile comple-
ment that integrates with the whole cardless withdrawal system. Conclusions close the
paper, where we expose principal learned lessons from the whole presented experience.
Fig. 1. UCD Framework for the design of usable ATM interfaces [2].
Each subprocess, the simple one, the fast one, the low-cost one, and the optimal
one was diagrammed as a process, in order to define a real workflow [2]. The methods
employed in each phase of the framework are described in Subsect. 2.1.
In real-life projects, when a team decides to follow a user-centered approach, there are
still fundamental questions about how to conduct the methods selected, how to manage
them and even how long will they take [2].
The UCD Framework proposes three sub-processes, so the BBVA Perú ATM devel-
oper team could select the most suitable methods for its context. The team started the
process with the fast methods that are described in Table 1.
Table 1. Fast methods for the design of ATM interfaces. Adapted from Aguirre et al. [2]
Aguirre et al. also describes the approach that ATM developers would follow [2]. This
serves as a starting point for the team, which has little experience in UCD approaches.
• Identify Stakeholders: List all users and stakeholders of the system. If possible, a
meeting with the project manager and representative users.
• Field Study/Observation: Establish objectives and type of events. The observer must
take notes of the performance of the user.
• Competitor Analysis: Compare through evaluations of the systems that own the
competitors.
• Scenario of Use: Define scenarios with images and explanations.
• Persona: Specify typical user profiles, detailing their motivations and activities in a
context.
• Parallel Design: Two or more groups design at the same time multiple ideas. After a
meeting, a unique design is elaborated from all the ideas.
• Controlled User Testing: Representative users or experts in the process and workflow
try the new design and try to find design errors while completing guided tasks.
• Satisfaction Questionnaire: An expert elaborates a questionnaire with representative
questions. Between 8 and 10 is an ideal number to consider the sample representative.
3 Design of QR Withdrawal
The BBVA Perú, a leading bank in the country, proposed a challenge to its ATM depart-
ment. The objective was to deliver a solution that simplifies and optimizes the cash
withdrawal without the use or a physical card, without losing security.
To achieve the goal of the challenge, the ATM team had to find the pain points and
problems that users present while performing other cardless withdrawal transactions
that the bank already has. For this, the three phases UCD process shown in Fig. 2 were
conducted.
Fig. 2. The three phases of the UCD Framework proposed by Aguirre et al. [2].
3.1 Context
Identify Stakeholders. In this activity, developers met regularly with the stakeholders,
so they could understand the problem from their point of view. In addition, it was the
first attempt for them to think in the final user as the center of the project. We explained
with detail each identified stakeholder in the following list.
Applying a UCD Framework for ATM Interfaces on the Design of QR Withdrawal 7
• External User or Final Client. It is the actual user of an ATM who is hard to define
with little information. It is because the ATM is widely used by different people with
different profiles.
• Internal User o Developing Stakeholders. This user is responsible for the project and
leads its development. It is a crucial member and aids with communication between
the ATM developer team and other internal stakeholders.
• Internal-Support User. This internal user monitors the proper functioning of ATM in
the whole country. It is the first one to notice or be informed about incidents occurred
with the ATM or any impact on them.
• Architecture User. It is the one who provides the facilities for the infrastructure needed
for the correct development and integration of the systems. Also, this user cooperates
in the design of the back-end applications and services.
• Business User. This user is the one with knowledge about historical final client pref-
erence over the products offered by the bank. Also, is one of the most interested users,
because its main function is to ensure the business goals.
• Owner of the mobile channel. This user is responsible for the mobile banking app
and its participation is crucial to seek options for cardless authentication using this
channel. Solutions that integrate mobile banking and SMS already exist; for instance,
SMS withdrawal.
Field Study/Observation. For the observation and field study, the ATM team estab-
lished to observe clients who performed withdrawals in a lapse of one hour at ATM of
a centric office located at a business district of Lima, the capital of Perú.
A total of six people performed withdrawals in that lapse of time but using a physical
card. Because of that, the team decided to complement the observation with a small
survey. The survey focused on three main topics: the experiences with existing cardless
withdrawals, the preference for cardless withdrawals and the security perception of this
kind of withdrawal measured with a one-to-five Likert scale.
Two of them were women and all the participants were between twenty and forty
years old. From the total, only 33% had performed cardless withdrawals for them-
selves, the other 67% had done these operations but not for themselves. However, all
of them were interested or had a clear inclination for cardless withdrawals. The percep-
tion of security was 3.83 on average due to misinformation about the existing cardless
withdrawal operations (the need for additional physical tags, SMS, or wait times).
In addition, this information was complemented with small semi-structured inter-
views performed with workers of the bank office and another seven representative final
clients.
The office hostess indicated that frequently she helps from three to five people to
complete their cardless operations that involved a secret password sent from a mobile
banking app called “efectivo móvil” or mobile cash. The security guard claimed that
over 20 of these transactions are withdrawn daily.
Finally, from the other seven representative final clients interviewed, three of them
had never done cardless withdrawals. From the other four, half of them stop doing this
kind of transaction due to fees charged when the withdrawal was for another person.
The other half stated that it was a bother to wait ten minutes in order to withdraw
their “efectivo movil”. The three participants that have never used the existing cardless
8 J. Aguirre et al.
withdrawals claimed that it was because of unfriendly workflows and the loss of their
withdraw passcode.
Conclusions from the Analysis of the Context of Use. From the analysis of the con-
text of use, the team and the stakeholders agreed in developing a QR-based solution. This
would improve the current cardless solutions that the ATM has and optimize the time a
user spends in front of one by reducing the interaction with the aid of a smartphone app.
The bank provided the infrastructure and the technology for the development of
back-end applications and services; however, the interfaces were an important question
for everybody. Not only the ATM interfaces but how these would interact with and
complement the smartphone app interfaces.
In that sense, the team continued with the next phases to design a possible solution.
The team took the time to evaluate the workflow of the solutions that were integrated
with ATM that need a passcode authentication. What they observed was that, despite
the fact that the interaction with the ATM was reduced, the interfaces were unfriendly.
Figure 4 shows the ATM interfaces of the last competitor and Fig. 5 shows the interfaces
of BBVA current solutions.
The competitor analysis was not limited to national competitors, the team expand
the scope to foreign solutions and found some interesting solutions that are described in
the following list.
In addition to these cardless withdrawal options, the team found interesting cardless
authentication systems based on NFC, virtual cards and Face Recognition. However,
these solutions are not used for the withdrawal of cash. The workflow of the operation
is still the same as using a physical card.
Persona and Scenario of Use. For this activity, the team defined three users “Persona”
based on the observation conducted in the Analysis of the Context of Use phase. Two
young people and one middle-aged adult. Their profiles were described in the activity,
detailing their daily activities and their motivations to use cardless operations.
These Personas defined were associated with their respective scenarios of use where
the whole activity of performing an “efectivo móvil” or other cardless withdrawal options
was ideated. This exercise helped the team to empathize with the final client and know
the limitations that different profiles could encounter; for example, not basic knowledge
of how to operate mobile banking or QR scanning.
List of User Requirements. With all the information gathered and new knowledge
acquired, the team specified the following user requirements for the ATM interfaces.
Brainstorming. Despite the fact Brainstorming was not part of the fast methods selected
for this Case of Study, the team decided to use it because of their lack of experience
with design methods. According to Aguirre et al. [2], the framework allows the team to
select any method that better fits the context of the project, so adding brainstorming is
therefore allowed.
This activity was held with three members of the team who gathered in a meeting
and proposed various ideas to initiate the next activity, Parallel Design. Figure 6 shows
the board after the brainstorming with optimistic and pessimistic ideas.
Parallel Design. After putting on paper all the ideas, the team divided in three design
groups. Each group made its best to deliver some prototypes design using paper proto-
typing. A meeting was held to show the different proposals and made a consensus about
a definitive prototype that was prototyped in high fidelity after the Parallel Design.
Figure 7, Fig. 8, and Fig. 9 show the three different paper prototypes resultant of this
activity.
Interactive Prototypes. For the ATM workflow, the interfaces were reduced to four
including the main menu, were a button for the new functionality was added. This menu
could be reached without inserting a physical card for authentication. Figure 10 shows
how to access to the cardless options and how to select QR withdrawal, while Fig. 11
shows the actual QR withdrawal process.
Figure 12 shows the message that the ATM displays in case of any error during the
QR withdrawal.
12 J. Aguirre et al.
3.4 Evaluation
The evaluation was held at the ATM laboratory of the BBVA Perú. Seven participants
were recruited for the user testing evaluation. This test consisted in performing a QR
withdrawal simulation using the prototypes of the mobile app in combination with the
ATM prototypes designed in the previous phase.
Applying a UCD Framework for ATM Interfaces on the Design of QR Withdrawal 13