Development of Usable Security Heuristics for Fintech
2021
Investments in cybersecurity over the years have led to the availability of strong
technical countermeasures and innovations that are being increasingly leveraged to
strengthen the security posture of financial services systems. The effort to improve
the security posture of the human element of financial services systems has not matched
the effort in developing technical countermeasures, thereby undoing the gains of the
later. One area where such problem exist is in Fintech where emphasis is placed on
developing innovative and secured technical financial models aimed at making financial
services more accessible through the mobile phone. These Fintech solutions however
have shortcomings in securing the human element. This study seeks to address this
problem through the development of heuristics that can be applied in the evaluation
or design of Usable Security in Fintech. This study developed twelve (12) initial
Usable Security heuristics which were validated through expert review. The heuristics
were developed through an iterative approach that comprises a survey of Fintech users,
semi-structured interviews of Fintech solution providers and thematic analysis of
relevant literature. The findings of the study show that application of the developed
heuristic provides for Usable Security.
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