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

普通用户在从事最敏感的在线活动——网上银行时，如何应对他们遇到的威胁？在线安全时代（OSA）调查了在网上银行背景下使用风险在线服务和自我保护措施的动机的代际差异。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，而年轻用户有时对这些危险一无所知，这对维护网络安全构成了明显的挑战。与密歇根州立大学联邦信用合作社的合作将为不同年龄的网上银行服务用户和非用户提供访问权限，以探索这些问题。OSA将通过小组访谈和用户在家中的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，他们目前如何应对风险，以及他们认为自己在安全网上银行方面的能力存在差距。对信用合作社客户进行的深入调查分析将揭示推动和阻碍采用网上银行和在线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，旨在帮助信用合作社客户对他们在网上银行业务时保护自己的能力更有信心，并了解他们的银行机构可以如何帮助他们。因此，OSA将提供关于如何激励普通用户发挥自己的作用，使互联网对他们自己和整个在线社区更安全的新知识。在有关在线安全的公开讨论中，用户教育经常被视为优先事项，但往往只是敷衍了事，而且往往会对实现这一目标的难度自我取消哀叹。本项目将通过发展关于有效的消费者教育方法的有科学根据和有证据的知识作出贡献。该项目重点关注美国老年人这一弱势群体，他们的生活可以通过安全获得金融服务而得到改善。然而，年长的美国人也容易受到网络骗子的攻击，他们往往不了解网络的危险，也缺乏有效的保护措施。OSA提供了一个模式，让银行客户及其金融机构可以携手合作，改善网上保安。这个模式将在银行业伙伴的协助下，在银行界广泛传播，并通过专业刊物向电脑保安界广泛传播。最后，该项目将支持那些将在学术界和政府中从事职业的博士生，并通过他们自己的学生和选民进一步实现在线安全的目标。

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.