By Sanchari Das, Andrew Kim, Ben Jelen, Joshua Streiff, L. Jean Camp, Lesa
Huber Two-factor authentication (2FA) provides protection for on-line accounts through efficient and highly robust access control. Adoption and usability, however, remain challenging for such security tools and technologies. Most current research on 2FA focuses on convenience samples of experts in the technology sector while neglecting non-experts. As older adults increasingly use everyday digital technologies, providing convenient means for them to protect their online data has become extremely crucial. To aid with this, we investigated the user experience of 2FA security tokens with ten older adults (> 60 years) using surveys, semi-structured interviews, and a think-aloud protocol. Their limited adoption of the 2FA security token stems from its non-inclusive design, unclear instructions , lack of tangible benefits, and device dependencies. Hence, we propose design modifications and effective risk communication techniques to encourage 2FA adoption among organizations that are most invested in protecting older adults-such as retirement management funds, banking institutions, and health care organizations.
By Sebastian Köhne
I study life-expectancy inequality in a Mirrleesian life-cycle framework with pension-linked fiscal externalities and private retirement saving.... read more
By Clara Andresciani, Debora Di Gioacchino & Laura Sabani
This paper revisits the “decongestion effect” argument, according to which greater... read more
By Juan Medina, Michael Pedersen & Gerardo Reyes
Emerging economies face long-run fiscal sustainability challenges associated with demographic change and... read more
By Aleksandar Andonov, Kristy Jansen & Joshua D. Rauh
Long-maturity Treasury issuance reduces government rollover risk but depends on investors... read more