Financial Cryptography

Maybe people should be taught that it is not save out there? Could it be that stealing is a more cost effective area to concentrate on rather than valid service offerings. I suggest the study of users stupidity is something most of us non-technical folks require since we have never designed a system we only use them. So people need to understand that designers of systems are good and bad and that just because they look like professors on TV ie Bill Gates the nerd does not mean they are not able to be evil and untrust worthy. I suggest an educational effort designed around teaching children that even if a person looks trust worthy they may not be from there we can teach them that a form does not mean its safe to input mommy and daddys credit card information. The next step is to educate people on telling a lie now and again to be embedded into official documents that way they can trace the leakage of their private information. A good example is changing the middle intial a make sure to not who got what intial. When questioned by the internal security police make sure they state the intial then you can derive the database they have obtained your information from. The next step is to change the credit card information every three months that way even if the information is stolen it cannot be sused as frequently. Id is something you choose to share but does it have to be a person well probably not. I suggest eveyone create corporation and mulitple ids for use in credit transactions online. All chidlren in the US must get a Social Security number soon after birth why not a Tax Payer Id and a State Corporation to boot perhaps several corporate Ids active and inactive. This creation of a moving target makes it harder to steal the id. So this juggling id game will of course create the job for the id agent. I want that job to become the id agent to the stars poor Paris Hilton having her information stolen like that if she had some one to encrypt it and change the pass phrase she would be safe today along with other famous folks. I want the job of ID juggler. My marketing will be your no body till Jimbo knows who you are and are not. The consumer society is a snack tray for the consumers of the society.

Simson Garfinkel's dissertation is worth looking at in this context.

http://www.simson.net/thesis/

Are users stupid? Or is the flaw in designs of systems that assumes humans are capable of being reliable sources of entropy and assuming that human trust behaviors change fundamentally when computer-assisted?

Disciplines served society well since the University of Paris developed from the various schools around Notre Dame.
But it seems to me that the structure of knowledge plays a role in this chronic problem of security. Security and chronic risks are one of the symptoms of a society that is structurally incapable of handling the massive flow of information which we have developed. (Another is political discourse, but let's not go there).

In the future will we have four years of conception study with a major, e.g., Trust and Computer Science, Chinese History in Business? A degree in trust is no more radical than a degree in business after all. What will a degree in computer science look like in twenty years? Or business, since MIS is coming out of so many B-school cores?

> Are users stupid?

Of course, coming from a technical background I always assumed so. But times change.

Users haven't the time or knowledge to analyse risks. So they take the easiest path the see. It might be pushing the wrong button, or it might be giving up on the tool altogether.

This randomness drives techies mad, but I find it quite instructive - the core underlying issue here is that the user hasn't the time or wisdom to deal with the correct choice, but is also driven to make a choice. How then do users choose when the tool doesn't tell them and they don't know? A big question, and this I currently call "the market for silver bullets."

Since understanding that users are right and technies are wrong, I've adopted a bit of a strategy of always being dumb like a user. If a tool doesn't work for me, I move on, I don't spend the time to learn how it should be used. This pays off in two ways; it filters out the tools that will never make it more efficiently than I can otherwise do, and it also teaches me more about tool design which I then feed back into my own efforts.

Such an attitude would never get one into B-school, but maybe that's not important?

> This randomness drives techies mad

But we already know that all randoms are not equal. Economists (ok, some of them) know that people don't behave in a perfectly rational fashion, but we can study them to understand how their internal processes drive them to be systematically irrational.

We do know that lots of people are aware of security issues, but they use images (professional design for a website, same graphic scheme as the real bank) as proxies for authentication. We told them to pick difficult passwords, so they wrote them down. We told them to stop doing that, so they use 1 password for all sites.

Watching users who are *trying* to be secure will show us how things like cognitive laziness can produce models for further technical and economic development.

Yes, and by far the biggest temptation in the technical world is to say that users are dumb (impolite) or more education of users is needed (polite). But this is wrong.

My experience of users has always shown that they in general have a very rational way of making their choices. I might not like their logic, but logic it is. So our task as HCI and systems designers is to figure out how to guide them along a logic that is both secure and easy for them to follow.

Usage of logos and images are key to that as you point out - hence my frequent rantings of how we need to introduce brand into web browsing. Brand is simply a security message compressed into a picture. Who knows, one day we might see it, I gather Opera now has brand of CA on the chrome, but I have no Opera so can't check.