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1 a & bank payment apps.pdf (Applications tested in the study…
1 a & bank payment apps.pdf
1 introduction
background
PTS
analysing the need and development opportunities for more user-friendly electronic communication services
ensuring access to basic payment services for the entire population
2014
Mobile Payment Applications
2015
update on the earlier study
assess whether the previously tested applications had improved from an accessibility perspective
test the new applications currently available on the market
app
bank
payment
user
elderly users
users with functional impairments
execution
qualitative approach
performed predefined tasks
evaluated them
described how relatively easy or difficult they had been to perform
put forward improvement suggestions
quantitative elements
perform the test tasks on a scale of 1 to 5
limitation
target user
representative
previous experience
target group
cognitive
ADHD
Asperger’s syndrome
Acquired brain injury
visual
Blindness
Low vision
dyslexia/reading or writing difficulties
hand function impairments
aged over 75
:check: Experience with smart phones and tablets was a selection criterion
Usability test execution
functions
logging in
administering the application
using it in various ways
phone
ios
android
process
introductory activities
process
explain previous experience
choose phone system
purpose
test
score each step
easy/difficult
describe any aspects of the process
suggest improvements
:check: questions in appendix
task
not conduct
app
version
duration
limitation
taget group
non-function & severe like blind
app version
no subsequent versions
conduct with phone & tablet
2014 compare
conducted an analysis of the market in August
Report outline
:check: Chapter 2 an overview of conditions for the different target groups performing the tests
:check: Chapter 3 comprises a description of the ten mobile banking and payment applications included in the usability testing,
:check: Chapter 4 The results of the usability tests are presented in
:check: Chapter 5 compares the results of this study with the study conducted in 2014
:check: Chapter 6 presents a summary of conclusions
:check: Chapter 7 comprises Stelacon’s recommendations for actions that should facilitate the use of mobile banking and payment applications
2 Conditions for the test participants
outline
1 deter the web accessibility foraged people
2 compares several different Web accessibility guidelines & how to decide to choose the ap-propriate guidelines for this study
3 issues of imple-menting the Human-Computer-Interaction research with older people and approaches to solve these
4 overview several recent studies & useful experiments
congnitive
overall
:check: ADHD, ADD, Asperger’s syndrome and acquired brain injury
:check: experienced users of smart phones or tablets
:check: not feel that their diagnosis significantly affected their use
:red_flag: ADHD and ADD
suffer concentration issues
preferred mobile applications to websites because the former contained less information
:red_flag: Asperger’s syndrome
preferred clear, concrete information & security in the applications
:red_flag: acquired brain injuries
short-term memory issues
simple and intuitive
visual
overall
:check: low vision & blind
:check: accustomed to using smart phones or tablets
:red_flag: blind
compatible with their screen reader
using an application for the first time, it can be time-consuming
:red_flag: low vision
magnification software
Colour schemes and contrasts, sharp outlines, typefaces and font size are all essential for this target group
dyslexia/reading or writing difficulties
:red_flag: only dyslesxia
app better than website
:red_flag: dyslexia/reading or writing difficulties
complicated
solution
:check: Images and figures in combination with a large font size can facilitate use for this target group
:check: steps in the application are intuitive and can be performed without written explanations.
hand function
overall
mobility impairment -> very diverse in this target group
:red_flag: rheumatism and partial hand function impairments
buttons in the applications were of a reasonable size
a magnification option
navigating the applications was easy
:red_flag: motor skill issues
preferences were also very individual
elderly
overall
:check: All the elderly test participants in the study were experienced smart phone users
:check: but not all of them were accustomed to using mobile banking applications or online banking services
Applications tested in the study
Handelsbanken
comply with a set of regulations that comprises 56 control points based on WCAG (Web Content Accessibility Guidelines) 2.0.
Nordea
Swedbank
SEB
there were no guidelines for accessibility in applications as there are for online banking services -> with iOS and Android’s own standards
consultancy -> certain steps in their application were still receiving criticism.
Skandiabanken
consultancy
have no established policy regarding accessibility issues
accessibility issues
ICA Banken
does not currently apply a specific accessibility policy,
usability testing
monitors the Kundo customer forum,
ICA Handla
does not currently apply a specific accessibility policy
usability testing
remaining vigilant regarding issues of accessibility
SEQR
WyWallet
updated its application
Swish
Downloading mobile banking and payment applications
requires a number of steps to activate the different payment applications
takes a few days to activate
Results of the usability testing
1 Overview
test target
:check: blind -> difficult -> a lack of screen-reader compatibility in some of the applications.
:check: cognitive -> easy
test task
:check: store purchase -> easy
:check: bill payments -> difficult
:check: login in -> it was unclear where the security code should be entered in the Mobile BankID application when authorizing a payment.
:check: scan -> feedback and clarification that users received when data was scanned
Results by functional impairment
cognitive impairments
clear information and feedback
Blind
had difficulties using banking and payment applications
low vision
larger texts and sharp contrasts
dyslexia/reading or writing difficulties
uncluttered applications with larger texts
hand function
Button placement and size
aged over 75
a magnification option
banking apps
payment apps
Comparison of changes since the study in 2014
