University of Wollongong technology researcher Katina Michael said it had to be the choice of individuals whether or not to adopt new technology.
Dr Michael, who is also a board member of the Australian Privacy Foundation, also feared we were entering dicey territory if we began predicting a person’s behaviour based on data.
“Just because someone has the characteristics or profile patterns that fit a particular group, it doesn’t mean ‘x’ will happen,” she said.
“A person might be functioning fine during the work day but an employer might say we can tell from physiological data that they’re suffering from depression, so we should cancel their ability drive a truck.”
She also feared bosses would easily be able “wash their hands of problems” and shift liability to their employees so as to not damage their company brand rather than tackling the underlying causes of issues like drug addiction and mental illness.
Dr. Katina Michael of the University of Wollongong, told OmniChannel Media that “Lloyds Bank revealed recently in a study they made last month in the UK, where they found that 28% of consumers there are willing to make payments using wearable devices, including watches and wristbands in the next ten years,”. Michael is an associate professor at the University of Wollongong’s School of Information Systems and Technology, and the editor in chief of IEEE Technology and Society Magazine.
She believes that the trend to apparel based contactless payment could well be taken up with enthusiasm in Australia.
“I think it’s an interesting question,” Michael said. “Australian studies are showing that locals are going contactless, using different kinds of form factors and are using touch and go systems,” Michaels adds: “How much would it stretch the consumer to consider an e-payment system with a similar embedded device either in the cuff or collar.”
Still, Michael explains, there are troublesome issues, like security, that impact the consumer’s confidence with this kind of innovation. Since the technology was never designed for security devices it can be hacked, killed, cloned, and identities stolen and all of this can be done so remotely and discreetly. “What we are doing by introducing yet another form factor is increasing the vector for fraud.”
Michael notes that the Apple watch take up in Australia has been significant and predicts that as much as one-third of the country’s consumers could move to contactless payment. “But I would say the vast majority [of shoppers] would use their common sense and would not invest or expose them to more security risk.”
"The products to be released include a wristband, key ring fob and a sticker."
"The most interesting, and one could argue the one with the biggest potential to change, is the sticker. The discrete sticker can be stuck to any item the customer choses. This allows for great amounts of versatility and could potentially be a trend-setting wearable. Instinctively one would consider the smartphone as the most obvious place, but as technology and trends evolve the smartphone could be replaced with any item that the customer ‘can’t leave the house without’.
The price point for the devices appears to be spot on. With the sticker retailing for AUD$30 and with the fob and wristband going for AUD$40 and AUD$50. With these amounts of innovation, it appear Barclays is really looking to disrupt the way their customers are making payments. One thing to note when looking at these innovations is that the big four banks in Australia are not adverse to product releases, so watch this space. "
More than a quarter of people think they will be making payments using wearable devices including watches and wristbands.
“Whether it is contactless, wearable tech or fingerprint ID, people are increasingly expecting to use new technologies to make payments rather than rely on cash,” says Claire Garrod, head of personal current accounts at Lloyds Bank."
Double face contrast fabric. Cuff tab with button. Contactless bPay chip available to insert into cuff. Drawstring cord on hood. Side pockets. Branded zip. Leather patch logo to sleeve. Pay for items £30 and under wherever you see the contactless symbol. Link to any UK registered Visa® or MasterCard® debit or credit card. Payment functionality subject to application and acceptance of T&Cs. bPay chip is valid for a minimum of two years, after this time it will not work for contactless payments. Product code: jk302b
“The Watch is here” touts Apple’s slogan for its wearable computer, implying that the one and only time-piece that really matters has arrived. So much for the Rolex Cosmograph and Seiko Astron when you can buy a stylish digital Apple Watch Sport, or even Apple Watch Edition crafted with 18-karat gold.
If we believe the hype, one in four Australians plan to buy a wearable device by the end of the year.
Of its many features and functions, the Apple Watch is a music player, fitness tracker, communications device, payment token and digital key. And it also tells the time. We were surprised that no one claimed that it will also help look after our kids. But not for long. There’s an app for that. So is there anything this device cannot do?
Who would have thought that the power of an internet-enabled laptop computer, mobile phone, iPod, fitness tracker, bank card and set of keys could be neatly packaged and strapped around your wrist?
And unlike other futuristic visions of hand-held communicators, the Apple Watch won’t leave you stranded in perilous situations because it’s dropped, stolen or falls out of range because it’s literally always connected to you.
This raises a key question: how will we change our behaviour based on the fact that we are walking around with a fully-fledged computer – one that sits in contact with our bodies and communicates wirelessly with machines around us without us being explicitly aware of it?
According to the marketing spiel, we’ll have a lot more convenience at our fingertips. But, in actuality, we may find ourselves reaching for the mute button, longing to be disconnected, and fed up with all the notifications interrupting us. That’s when the novelty effect wears off.
We have probably witnessed people who cannot resist the urge of pulling out their mobile phone to interact with it at the most inopportune times or who pass their idle time simply looking down at a screen.
Most do not realise they are even interacting with their personal computer devices for hours each day. The repetitive behaviour has almost become a type of tic disorder which is neurobehavioural.
We get a message, it makes us feel important. We reply and get a buzz the very next time it happens again. It’s kind of like digital ping pong. And the game can get tangible fast. The main reason this repetitive behaviour remains hidden is that the majority of smartphone users suffer from this, so it looks normal.
You can see people in public spaces immersed in virtual places. These Wi-Fi-enabled mobile contraptions can also trigger a host of internet-related addictions, whether used for gaming, answering mail, web surfing, online transactions, social media, we-chatting, or taking a tonne of photographs.
According to experts, internet addiction disorder (IAD) can ruin lives by causing neurological complications, psychological disturbances and social problems. This is not to mention the potential for accidents when people are not looking where they are going or not paying attention to what they should be doing. In short, our need to be always online and connected has become a kind of cybernarcotic drug.
Little device, big data
Very few of us are immune to this yearning for “feedback loops”, so telecommunications operators and service providers pounce on this response. Information is money. And while we are busy interacting with our device, the companies are busy pocketing big money using our big data.
In days gone by, mobile communications could tell data collectors about our identity, location, even our condition. This is not new. But the real-time access and precision of this level of granularity of data gathered is something we should be all aware of as potentially impinging on our fundamental human rights.
Because they interface directly with the human body, watches have the capacity to tell a third party much more about you than just where you’ve been and where you are likely to be going. They can:
Detect physiological characteristics like your pulse rate, heart rate, temperature which can say a lot about your home/work/life habits
Determine time, distance, speed and altitude information derived from onboard sensors
Identify which apps you are using and how and why you are using them, minute by minute
Oversee the kinds of questions you are asking via search engines and text-based messages you are sending via social media.
All in all, private corporations can glean what you are thinking, the problems you are facing, and they know your personal context. What is disturbing is that they can divulge some of your innermost personal thoughts, intentions and actions, and have evidence for the reasons we do things.
Many people immersed in the virtual world are too busy to be thinking about the very act of inputting information onto the internet. People value a life of convenience over privacy too much to be genuinely concerned what information is being logged by a company and shared with hundreds of other potential partners and affiliates.
And consumers are often oblivious to the fact that, even if they are doing nothing at all, the smart device they are carrying or wearing is creating a type of digital DNA about their uniqueness.
Today, we are asking to be monitored and are partying in the panopticon. We have fallen in love with the idea of being told about ourselves and don’t discern that we have become like prison inmates who are being tracked with electronic bracelets.
By the time we wake up to this technological trajectory, it may be all too late. Our health insurance provider might be Samsung, our telecoms provider may be Google, and our unique lifetime identifier could come from Apple. At present, these are the archetypal tech providers. But tomorrow, who knows?
And by that time, we will likely be heralding in the age of uberveillance where we posit that cellphones and wristwatches are not enough, that the human-computer interface should go deeper, penetrating the skin and into the body.
The new slogan might read “The Mark is Here”, herald the iPlant, that which gives birth to life, the one and only passport to access your forever services.
“You can’t live without it”, may soon no longer be just figurative, but a reality.