Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile...
summary
Design replaces agent-facing KYC with server-side verification that uses biometric and voice authentication for phones, issues short codes to agents, and supports a formal proxy withdrawal codes flow. Paper prototypes and role-play plus semi-structured interviews with 32 users and 15 agents in Nairobi evaluate usability and privacy. Users and agents prefer the protocols for reduced data exposure and convenience; measurable trade-offs include accessibility failures (e.g., worn fingerprints), agent mistrust, and need for clearer biometric explanations, so pilots are recommended.
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chapters (9)
- 0:00Mobile money services
- 1:14Agent-facilitated transactions
- 2:37Privacy in current protocols
- 3:41Designing privacy-preserving protocols
- 5:04Secure proxy withdrawal
- 6:06Research questions and methods
- 7:31User privacy perceptions
- 9:19User and agent preferences
- 12:47Recommendations and future work
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