Tasos Spiliotopoulos

Karen Elliott, Kovila Coopamootoo, Edward Curran et al.

Financial inclusion depends on providing adjusted services for citizens with disclosed vulnerabilities. At the same time, the financial industry needs to adhere to a strict regulatory framework, which is often in conflict with the desire for inclusive, adaptive, and privacy-preserving services. In this article we study how this tension impacts the deployment of privacy-sensitive technologies aimed at financial inclusion. We conduct a qualitative study with banking experts to understand their perspectives on service development for financial inclusion. We build and demonstrate a prototype solution based on open source decentralized identifiers and verifiable credentials software and report on feedback from the banking experts on this system. The technology is promising thanks to its selective disclosure of vulnerabilities to the full control of the individual. This supports GDPR requirements, but at the same time, there is a clear tension between introducing these technologies and fulfilling other regulatory requirements, particularly with respect to 'Know Your Customer.' We consider the policy implications stemming from these tensions and provide guidelines for the further design of related technologies.

Tasos Spiliotopoulos, Dave Horsfall, Magdalene Ng et al.

Vulnerable individuals have a limited ability to make reasonable financial decisions and choices and, thus, the level of care that is appropriate to be provided to them by financial institutions may be different from that required for other consumers. Therefore, identifying vulnerability is of central importance for the design and effective provision of financial services and products. However, validating the information that customers share and respecting their privacy are both particularly important in finance and this poses a challenge for identifying and caring for vulnerable populations. This position paper examines the potential of the combination of two emerging technologies, Decentralized Identifiers (DIDs) and Verifiable Credentials (VCs), for the identification of vulnerable consumers in finance in an efficient and privacy-preserving manner.

Tasos Spiliotopoulos, Ian Oakley

This workshop paper reports on an ongoing mixed-methods study on the two arguably most popular social network sites, Facebook and Twitter, for the same users. The overarching goal of the study is to shed light into the nuances of social media selection and cross-platform use by combining survey data about participants' motivations with usage data collected via API extraction. We describe the set-up of the study and focus our discussion on the challenges and insights relating to participant recruiting and data collection, handling and dimensionalizing usage data, and comparing usage data across sites.

Tasos Spiliotopoulos, Ian Oakley

This paper examines the community formed by the Twitter users that used a city-level hashtag. In particular, we provide a network perspective of the city of Athens, Greece, as demonstrated by the analysis and visualization of the relevant Twitter hashtag data, in order to present both an overview and deeper insights at the microblogging practices of this geographic local network. Further analysis suggests that the Twitter community defined by the members of the network shows strong signs of a real-life community.

Tasos Spiliotopoulos, Ian Oakley

We present a methodological framework aiming at the support of HCI practitioners and researchers in selecting and applying the most appropriate combination of HCI methods for particular problems. We highlight the need for a clear and effective overview of methods and provide further discussion on possible extensions that can support recent trends and needs, such as the focus on specific application domains.