From Intent to Action: Nudging Users Towards Secure Mobile Payments - - PowerPoint PPT Presentation

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From Intent to Action: Nudging Users Towards Secure Mobile Payments - - PowerPoint PPT Presentation

Oct 07, 2022 425 likes •633 views

From Intent to Action: Nudging Users Towards Secure Mobile Payments Peter Story , Daniel Smullen, Alessandro Acquisti, Lorrie Faith Cranor, Norman Sadeh, Florian Schaub 1 Experts Advice Users Behavior Low adoption of secure mobile

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From Intent to Action: Nudging Users Towards Secure Mobile Payments

Peter Story, Daniel Smullen, Alessandro Acquisti, Lorrie Faith Cranor, Norman Sadeh, Florian Schaub

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Experts’ Advice ≠ Users’ Behavior

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Hloom via Flickr / CC BY-SA, 401(K) 2013 Mybloodtypeiscoffee via Wikimedia Commons

  • Low adoption of secure mobile payments in the United States
  • We investigated interventions with the potential to increase adoption
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Nudges

  • Nudges help people act as they say they want to
  • In our study:
  • Protection Motivation Theory (PMT) nudge
  • Implementation Intentions (II) nudge

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Methodology

  • Longitudinal interviews (n=20)
  • Longitudinal experiment (n=411)

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Experimental Design

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Recruitment Control PMT+II PMT Follow-up:
 Used Apple Pay? One week later

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Protection Motivation Theory Nudge

  • Threat susceptibility
  • Threat severity
  • Response efficacy
  • Self-efficacy

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  • S. Milne, P

. Sheeran, and S. Orbell, “Prediction and Intervention in Health‐Related Behavior: A Meta‐Analytic Review of Protection Motivation Theory,” Journal of Applied Social Psychology, vol. 30,

  • no. 1, pp. 106–143, Jan. 2000.
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Threat Susceptibility: Recent Cases of Card Information Theft

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Threat Severity: The Consequences of Card Fraud

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Response Efficacy: The Security Protections of Mobile Payments

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Self-efficacy: Instructions for Using Mobile Payments

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Implementation Intentions Nudge

  • A concrete, contextually activated plan to achieve a goal
  • Designed to help people remember to take an action

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P . M. Gollwitzer, “Implementation intentions: strong effects of simple plans,” American Psychologist, vol. 54, no. 7, 1999.

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Implementation Intention Template

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Implementation Intention Template

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Implementation Intention Template

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Implementation Intention Template

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Treatments Made Participants More Likely To Use Apple Pay

  • Use of Apple Pay was significantly

more likely in the PMT and PMT+II groups than in the control

  • Difference between PMT and

PMT+II was not statistically significant

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Percent that used Apple Pay

Control PMT PMT+II 27% 18% 9% 3.9x 2.4x 1.7x

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Treatments Made Participants More Likely To Agree That Apple Pay Would Protect Them

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“If I were to start using Apple Pay regularly, I would be less likely to be a victim of card fraud.”

100% 75% 50% 25% 0% Strongly agree Agree Disagree Strongly disagree Control PMT PMT+II

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Conclusion

  • Our PMT nudge corrected misconceptions about mobile payments and
  • ur II nudge helped people plan to use mobile payments
  • Both PMT and PMT+II treatments increased adoption of Apple Pay
  • PMT and II nudges may help increase adoption of other tools and

practices

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Peter Story PhD Student, Carnegie Mellon University pstory@andrew.cmu.edu https://peterstory.me

From Intent to Action: Nudging Users Towards Secure Mobile Payments

Peter Story, Daniel Smullen, Alessandro Acquisti, Lorrie Faith Cranor, Norman Sadeh, Florian Schaub

This research was supported in part by grants from the National Science Foundation’s Secure and Trustworthy Computing program (CNS-1330596, SES-1513957, CNS-1801316).