Figure C.1: The created login, splash and options screens
Figure C.2: The created payments split graph from splash C.1.2 Account Management
Figure C.3: The created accounts screens
Figure C.4: The created payments system
Figure C.5: The created payments system and showing new transaction of successful trans-fer
C.1.3 Offers
Figure C.6: The created offers view
Appendix D
Experiment
D.1 Consent Form
The consent form given to and signed by participants before beginning the user tasks. This introduces the aim of the project, the type of data collected, the estimated length of time and assures participants of their confidentiality and freedom to drop out at any point.
E peri e t Brief a d Co se t
Overview
The purpose of the experiment is to test the usability and potential adoption of a new banking application.
During the experiment, you shall be asked to use the provided mobile phone to perform three tasks on two different applications. One of these is a real banking application and will require you to perform a monetary transfer using the researcher’s accou t a d o e . A short question set will be filled in via the provided machine following each of these, before finishing with some open-ended questions should you have any feedback.
Overall this should take around 15-20 minutes though you can stop and leave the experiment at any point.
Confidentiality
All data will be stored securely and anonymously on the Google Forms platform and used only within the means of this research. Names will be removed from all data so that your anonymity will be protected in any research papers and presentations that result from this work
.
Consent
Your signature below indicates that you have understood the information about the experiment and consent to your participation. The participation is voluntary and you may refuse to answer certain questions on the questionnaire and withdraw from the study at any time with no penalty. This does not waive your legal rights.
Participant:
Name: .………..
Signed: ………
Researcher:
Name: .………..
Signed: ………
Date: .………....
D.2 Instructions
The instructions list as given to participants. The dotted line represents where the instruc-tions are sliced, with the order of the first two sets swapped for each participant such that half encountered PSDBank first and half Lloyds.
Process Run-Through
Thank-you for participating in this user study. Please follow the steps below in order before entering your feedback using Google Forms on the provided machine.
1. Login to the PSDBank application with the password psdbank123
2. Check the account balance for the Natwest Student account by selecting bars on the accounts graph (each bar represents an account)
3. Take a look at recent transactions for the Natwest Student account 4. Initiate a payment of £1.50 from Natwest Student to Santander 123 5. Re-check recent transactions to ensure the money has been transferred Please now complete the next page of the form on the computer provided
---
Process Run-Through
Thank-you for participating in this user study. Please follow the steps below in order before entering your feedback using Google Forms on the provided machine.
1. Login to the Lloyds application by filling in the required letters of the memorable information psdbank123 (1:p, 2:s, 3:d, 4:b, 5:a, 6:n, 7:k, 8:1, 9:2, 10:3)
2. Check the account balance for the Lloyds account 3. Take a look at recent transactions for the Lloyds account 4. Initiate a payment of £1.50 from Lloyds to Santander 123
5. Re-check recent transactions to ensure the money has been transferred Please now complete the next page of the form on the computer provided
---
Process Run-Through
Finally, please complete these steps to gauge your interest in having banking data sent to price comparison sites in order to offer the best money-saving deals.
1. Login to the PSDBank application with the password psdbank123
2. Look at the Offers tab of the application to see price comparison site suggestions for money saving
3. Find and zoom the details of the credit card switch offer
Please now complete the final page of the form on the computer provided
D.3 Feedback Form
The Google Form given to participants to fill out during the experiment.
27/03/2017 User Data Collection
User Data Collection
Please ensure you have signed the consent form before beginning the experiment.
*Required
1. Which application have you just used? * Mark only one oval.
Lloyds PSDBank
Please score the following 10 statements from 1 (Strongly
Disagree) to 5 (Strongly Agree) to reflect your usage of the app
2. I think that I would like to use this system frequently * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
3. I found the system unnecessarily complex * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
4. I thought the system was easy to use * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
5. I think that I would need the support of a technical person to be able to use this system * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
6. I found the various functions in this system were well integrated * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
27/03/2017 User Data Collection 7. I thought there was too much inconsistency in this system *
Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
8. I would imagine that most people would learn to use this system very quickly * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
9. I found the system very cumbersome to use * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
10. I felt very confident using the system * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
11. I needed to learn a lot of things before I could get going with this system * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
User Data Collection App 2
12. Which application have you just used? * Mark only one oval.
Lloyds PSDBank
Please score the following 10 statements from 1 (Strongly
Disagree) to 5 (Strongly Agree) to reflect your usage of the app
13. I think that I would like to use this system frequently * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
27/03/2017 User Data Collection 14. I found the system unnecessarily complex *
Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
15. I thought the system was easy to use * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
16. I think that I would need the support of a technical person to be able to use this system * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
17. I found the various functions in this system were well integrated * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
18. I thought there was too much inconsistency in this system * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
19. I would imagine that most people would learn to use this system very quickly * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
20. I found the system very cumbersome to use * Mark only one oval.
1 2 3 4 5
Strongly Disagree Strongly Agree
27/03/2017 User Data Collection
27/03/2017 User Data Collection
Powered by
27. Do you have any feature requests or suggestions for future improvements to PSDBank?
28. Have you used the Lloyds app previously? * Mark only one oval.
Yes No
Thankyou for taking part in the study!
Please press submit below
D.4 SUS Results
The raw data results from the ten participants for the ten SUS usability scales in the experiment. Questions listed below to match to those in the tables.
1. I think that I would like to use this system frequently.
2. I found the system unnecessarily complex.
3. I thought the system was easy to use.
4. I think that I would need the support of a technical person to be able to use this system.
5. I found the various functions in this system were well integrated.
6. I thought there was too much inconsistency in this system.
7. I would imagine that most people would learn to use this system very quickly.
8. I found the system very cumbersome to use.
9. I felt very confident using the system.
10. I needed to learn a lot of things before I could get going with this system.
D.4.1 PSDBank
1 2 3 4 5 6 7 8 9 10
4 3 3 1 4 1 4 2 2 2
2 3 3 1 4 3 5 4 4 1
4 2 4 1 4 2 3 2 4 3
4 2 4 1 4 1 4 2 4 2
4 4 3 1 4 2 4 4 4 1
4 2 4 1 3 2 4 2 4 1
3 4 3 1 3 2 3 4 2 3
3 4 2 2 2 4 3 4 2 3
4 2 4 1 4 2 4 2 4 1
4 2 4 1 5 1 5 1 4 1
D.4.2 Lloyds
1 2 3 4 5 6 7 8 9 10
5 2 4 1 5 1 4 1 4 2
4 1 4 1 4 1 5 1 5 1
3 4 3 1 2 4 2 3 3 3
3 2 3 1 4 2 4 2 4 2
5 1 5 1 5 1 5 2 5 1
3 4 2 1 2 4 4 4 2 1
3 2 3 1 4 1 4 2 3 2
4 2 4 2 4 2 4 2 4 1
4 2 4 1 4 3 4 2 4 2
4 2 4 1 5 2 4 2 5 1
Appendix E
Code Listings
Android code listings for the created PSDBank system. These include an example of some Java files containing some logical components of the application, along with some XML layout files.
A small subset of the application has been selected for listing here, as the whole application would extend too far for printing. The rest of the codebase and associated files required for use (images etc) can be found via Moodle.
E.1 Logic Units
A subset of the Java classes comprising the logical segments of the program. import b a r b e r . psdbank . payments . PaymentsFragment ; import b a r b e r . psdbank . s p l a s h . S p l a s h F r a g m e n t ; void i n j e c t ( PaymentsFragment paymentsFragment ) ; IAccountsManager p r o v i d e A c c o u n t s M a n a g e r ( ) ;
/**
* I n i t i a l i s a t i o n methods f o r i n j e c t i o n purposes
*/
@Module
public c l a s s ManagerModule {
private AccountsManager a c c o u n t s M a n a g e r ; accountConnectorHashMap . put ( 0 , new
S a n t a n d e r C o n n e c t o r (new L o g i n C r e d e n t i a l s ( ) ) ) ; accountConnectorHashMap . put ( 1 , new
N a t w e s t C o n n e c t o r (new L o g i n C r e d e n t i a l s ( ) ) ) ; accountConnectorHashMap . put ( 2 , new
N a t i o n w i d e C o n n e c t o r (new L o g i n C r e d e n t i a l s ( ) ) ) ; accountConnectorHashMap . put ( 3 , new
HSBCConnector (new L o g i n C r e d e n t i a l s ( ) ) ) ; accountConnectorHashMap . put ( 4 , new
S a n t a n d e r C r e d i t C o n n e c t o r (new import b a r b e r . psdbank . payments . PaymentsFragment ; import b a r b e r . psdbank . g r a p h i c s . GraphicFragment ;
private Fragment c u r r e n t F r a g m e n t ;
fragmentManager = getFragmentManager ( ) ; l o g i n F r a g m e n t = new LoginFragment ( ) ;
paymentsFragment = new PaymentsFragment ( ) ; component . i n j e c t ( paymentsFragment ) ;
public void onLogout ( ) {
b o t t o m N a v i g a t i o n V i e w . s e t V i s i b i l i t y ( View . INVISIBLE ) ;
@Override
public void onClosePayments ( ) {
a c c o u n t s F r a g m e n t . r e f r e s h A c c o u n t s ( ) ;
public void onBackStackChanged ( ) {
i f ( fragmentManager . g e t B a c k S t a c k E n t r y C o u n t ( ) > 0 ) {
fragmentManager . popBackStackImmediate ( ) ; }
} }
126
E.2 Layout Files
An example of the XML files comprising the layout of the screens in the Android application.
app : menu=”@menu/ appbar ” />
<a n d r o i d . s u p p o r t . d e s i g n . w i d g e t . BottomNavigationView
Appendix F
Paper Submissions
Details for the two papers being written using the findings of this dissertation work. One concentrates on the creation and use of the new SITAM acceptance model whilst the other summarises the potential effects of PSD2 and the level of approval for the proposed new multi-bank application.
F.1 CHI 2018
Title
Integration of Innovation Diffusion Theory with technology acceptance modelling to inform system design throughout a project life cycle.
Submission Details
Paper submission to ACM CHI 2018 subcommittees Engineering Interactive Systems and Technologies and Understanding People: Theory, Concepts, Methods.
Abstract
Technology acceptance modelling has long been utilised to offer an estimation of the possible user uptake of new systems prior to release. However, no existing models have successfully encompassed analysis of the type of participants being surveyed to subsequently guide de-velopment towards the target market.
To address this, a newly extended adaption of the Technology Acceptance Model (TAM) has been created with aspects of Innovation Diffusion Theory (IDT). This collects an acceptance
value whilst also providing a new way to estimate survey participants level of innovation, adding an aspect of Social Intention to create the SITAM. This was then used in the development of a new mobile finance application to determine the validity of creating distinct system designs aimed at users at different levels of the IDT innovation scale.
F.2 Deutsche Bundesbank Conference
Title
How PSD2 could improve user interactions with personal finance and lead to a FinTech revolution within the mobile banking market.
Submission Details
Deutsche Bundesbank Conference on The Future of Financial Intermediation: Opportuni-ties and Challenges Posed by Regulatory Reforms and New Technologies (November 2017).
Paper will be submitted under the advertised brackets of the impact of regulation on com-petition among banks and other financial institutions and the market entrance and exit of traditional financial institutions and fintechs.
Abstract
Payment Services Directive II promises to provide a consistent regulatory standard for pay-ment providers across the EU upon its upcoming enactpay-ment. Of particular interest are the so called ‘access to account’ XS2A articles found within the PSD2 revision that will require regulated payment service providers to allow third parties to access and perform actions on customer accounts. This provides a whole range of potential ways for FinTech firms to enter the mobile banking market and take business from the large financial establishments, providing the foundations for the first trustworthy and regulated account aggregation ap-plications.
The paper considers this previously academically unexplored area by creating and analysing the potential uptake of a new mobile banking application that accepts multiple accounts from any PSD2-compliant providers. It then extracts the spending habits from these and works with price comparison services to offer customers accurate financial advice and offers.