SBE: Option: Small: Safety for the Ages: Generational Differences in Motivations to Use Security Protections in an Online Banking Context

普通用户如何科普他们在从事所有在线活动中最敏感的在线银行业务时遇到的威胁？ 在线安全的年龄（OSA）检查的动机，使用高风险的在线服务和自我保护措施的背景下，网上银行的代际差异。 大量老年人被社交媒体吸引到互联网上，但有时不熟悉如何应对网络生活的危险，还有一些年轻用户有时对这些危险视而不见，与密歇根州立大学联邦信用合作社的合作伙伴关系将为用户和非网上银行服务的不同年龄用户探讨这些问题。OSA将通过小组访谈和对用户的家庭观察来了解普通用户在尝试使用网上银行时所感受到的风险，他们目前如何科普风险，以及他们在自己安全网上银行能力方面所看到的差距。 对信用社客户进行的调查进行深入分析，将揭示推动采用网上银行和网上消费者安全措施的因素和障碍。 最后，OSA将创建和测试在线教程，旨在帮助信用社客户在网上银行业务时更有信心保护自己，并了解他们的银行机构如何帮助他们。因此，OSA将提供有关如何激励普通用户发挥作用的新知识，使互联网对他们自己和整个在线社区更安全。在网上安全的公开讨论中，用户教育经常被作为一个优先事项提到，但往往只是顺带一提，并对实现这一目标的困难自我取消哀叹。本项目将通过开发有科学依据的，基于证据的知识来促进消费者教育的有效方法。该项目的重点是美国老年人中的弱势群体，他们的生活可以通过安全获得金融服务来改善。然而，老年美国人也容易受到在线骗子的攻击，并且往往对在线危险一无所知，缺乏有效保护的经验。OSA提供了一个模型，银行客户及其金融机构可以通过该模型共同努力提高在线安全，该模型将在银行业合作伙伴的协助下在银行界广泛传播，并通过专业出版物向计算机安全界传播。最后，该项目将支持博士生谁将追求在学术界和政府的职业生涯，并进一步通过自己的学生和选民的在线安全的目标。

How does the average user cope with the threats they encounter while engaged in the most sensitive of all online activities, online banking? Online Safety for the Ages (OSA) examines generational differences in motivations to use risky online services and self-protective measures in the context of online banking. An influx of older adults attracted to the Internet by social media but at times unfamiliar with dealing with the hazards of online life, as well as younger users who are sometimes oblivious to those dangers, pose distinct challenges to the preservation of online safety.A partnership with the Michigan State University Federal Credit Union will provide access to both users and non-users of online banking services of various ages to explore these issues. OSA will work from group interviews and observations of users in their homes to understand the risks that ordinary users perceive when attempting to use online banking, how they cope with risks currently, and the gaps that they see in their own abilities to bank safely online. In-depth analysis of surveys administered to credit union customers will reveal the factors that drive and the barriers that prevent adoption of online banking and online consumer safety measures. Finally, OSA will create and test online tutorials designed to help credit union customers become more confident in their abilities to protect themselves while banking online and to understand how their banking institution can assist them.Thus, OSA will contribute new knowledge about how to motivate average users to play their part in making the Internet safer for themselves and for the online community at large. In public discussions of online security, user education is often mentioned as a priority, but too often only in passing, and with self-canceling lamentations about the difficulty of achieving it. The present project will contribute by developing scientifically grounded, evidenced-based knowledge about effective approaches to consumer education. The project focuses on a vulnerable group of older Americans whose lives can be improved through secure access to financial services. Older Americans, however, are also vulnerable to online scammers and are too often uninformed about online dangers and inexperienced with effective protections. OSA provides a model through which bank customers and their financial institutions can work together to improve online security, a model that will be disseminated widely in the banking community with the assistance of a banking industry partner and to the computer security community through professional publications. Finally, the project will support doctoral students who will pursue careers in academia and government and further the goal of online safety through their own students and constituents.