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MS Final Examination – Swathi Sri Vishnu Priya Rayala


Friday, June 16, 2017 1:00 PM - 3:00 PM

User Perceptions on Security and Usability of Mobile “Tap-and-Pay”
Apple launched their first mobile payment solution called “Apple Pay” in October 2014 in the United States. Quickly catching up with the popularity of Apple Pay, Google launched their own mobile payment solution called “Android Pay”. Both the companies claim that their tap-and-pay solutions are more convenient and more secure than swipe-and-pay with traditional debit or credit cards. However, the adoption rates of these technologies are only about 36% for Apple Pay and 21% for Android Pay. In this work, we investigated security, privacy and usability aspects of why people use and do not use mobile tap-and-pay in stores. We used both qualitative and quantitative approaches for cross validation and methodological triangulation. The results of our online survey with 349 Apple Pay and 511 Android Pay participants suggest that the top reason for not using mobile tap-and-pay is security. Surprisingly, Apple Pay users don’t feel insecure of using it in stores. A common security misconception we found among the non-users 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.  Also, we found a positive correlation between the participants’ gender and adoption rate, suggesting that males are more likely to prefer and use tap-and-pay than females. Our study results also show that usability was the most important reason for using tap-and-pay and suggest that technology adoption rates could improve with increased awareness of security protections and convenience offered by tap-and-pay solutions over traditional swipe-and-pay.

Major Advisor: Rakesh Bobba
Committee: Anita Sarma
Committee: Mike Rosulek
GCR: Maggie Niess


Kelley Engineering Center (campus map)
3114
Calvin Hughes
1 541 737 3168
Calvin.Hughes at oregonstate.edu
Sch Elect Engr/Comp Sci
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