Transaction*Experiences:*! A"Design"Research(Approach!

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Transaction*Experiences:*! A Transaction*Experiences:*! A"Design"Research(Approach! Gabriele!Ferri,!Shaowen!Bardzell,!and!Jeffrey!Bardzell! Cultural!Research!in!Technology![CRiT]!Research!Group! Indiana!University!School!of!Informatics!and!Computing! ! Executive)Summary:!In!late!September,!Scott!Mainwaring!asked!Indiana!members!of!the!ISTCH Social!Computing!project!to!collaborate!on!the!topic!of!transaction!experiences!from!a!design! perspective.!In!October!Scott!Mainwaring!and!Sue!Faulkner!came!to!Indiana!to!participate!in!this! work.!In!this!document,!we!summarize!the!first!milestone!from!our!research!through!designHbased! project.!After!some!initial!brainstorming!and!subsequent!analysis!of!contemporary!transaction! experiences,!we!held!two!consecutive!research!through!design!workshops!with!top!design!students! in!our!MS!and!Ph.D.!programs!in!HumanHComputer!Interaction/Design.!As!a!result!of!this!work,!we! have!composed!a!report!on!the!Transaction!Experience!Workshops!Methodology;!collected!a!Media! Dossier!of!Innovative!Transactions;!developed!the!Transaction!Experience!Model!(TEM)!to!support! designHbased!approaches!to!transaction!experiences;!and!we!iteratively!designed!two!transaction! experience!storyboards!that!suggest!some!interesting!trajectories!for!future!research!in!this!space.! We!also!include!a!PowerPoint!summary!of!all!of!this!work.! ! Transaction!Experience!Workshops!!Methodology!and!Early!Results!...............................................................!2! 1.!Preliminary!Mappings!....................................................................................................................................................!2! 2.!Basic!Categories!of!Transaction!.................................................................................................................................!3! 3.!Design!Concepts!Emerging!from!the!Workshops!..............................................................................................!4! 4.!Exploring!transaction!experiences!and!their!social!context!.........................................................................!5! 5.!Acknowledgements!.........................................................................................................................................................!5! Transaction!Experience!Model!............................................................................................................................................!6! “The!ValueHLaden!Processor”:!Design!concept!from!!the!Transaction!Experience!Workshop!................!8! “The!Smart!Zone”:!Design!concept!from!the!Transaction!Experience!Workshop!......................................!10! Media!Dossier!of!Innovative!Transactions!..................................................................................................................!12! !! Transaction)Experience)Workshops)) Methodology)and)Early)Results) Gabriele!Ferri,!Shaowen!Bardzell,!and!Jeffrey!Bardzell! Cultural!Research!in!Technology![CRiT]!Research!Group! Indiana!University!School!of!Informatics!and!Computing! ! ISTCHSocial!Computing!is!conducting!a!project!on!Transaction*Experiences.!As!part!of!this!initiative,! the! Cultural! Research! in! Technology! [CRiT]! Research! Group! at! Indiana! University! organized! a! research* through* design! workshop! to! explore! some! future! possibilities! in! the! area! of! digital! transactions.!This!report!summarizes!our!processes!and!early!results!of!the!two!workshop!sessions.! 1.)Preliminary)Mappings) A! first! exploration! was! articulated! in! two! paths:! first,! the! outcome! of! a! brainstorming! exercise! concerning!novel!forms!of!transactions!proposed!to!a!group!of!MS!students!was!examined!and!then! a!sample!of!relevant!news!articles!was!collected!and!analyzed.! A.)Students’)brainstorming.!The!students!were!given!a!wide!definition!of!“transaction”!and!were! asked!to!contribute!to!a!list!of!new!forms!that!are!made!possible!by!digital!technologies.!Amongst! the!167!items!that!they!proposed,!we!identified!some!trends:! • Sharing) and) lending! of! digital! or! nonHdigital! resources! (e.g.! Lendle! to! borrow! Kindle! books!or!Divvy,!a!bike!sharing!initiative);! • Combinations! of! unusual) digital) and) nonDdigital) elements! (e.g.! Poop) Rewards,! to! promote! the! use! of! public! toilets! in! India! or! Random) Acts) oF) Pizza,! in! which! pizzas! are! exchanged!anonymously!between!Reddit!users)! • “On)demand”,)adDhoc!services!(e.g.!Lyft,!an!onHdemand!ridesharing!service!or!WunWun,! an!personal!shopper)! • Social)Funding)or)“grassroots”!financial!services!(e.g.!Kickstarter!or!Kiva!microloans)! B.)Online)media)sampling.!A!small!sample!of!recent!news!texts!was!collected!and!analyzed.!Some! emerging!trends!stand!out:! • Using!wearable)technologies)and)perceptual)computing!to!facilitate!a!payment!process.! “The* Ukrainian* bank* PrivatBank* [..]* announced* that* customers* will* be* able* to* pay* bills* by* taking*pictures*of*them*[..]*using*Google*Glass”!(text)1,)in)the)attached)dossier).!“LevelUp* tested* an* app* that* allows* Google* Glass* to* work* in* place* of* the* handheld* reader* to* scan* QR* codes.*The*cashier,*wearing*Google*Glass,*would*use*the*touch*controls*and*speak*instructions* to*"push"*the*payment*to*the*consumer's*device”!(text)2,)in)the)attached)dossier).! • Detaching) Financial) transactions) From) their) social) context! or,! vice! versa,! making) payment)technologies)aware)of)their)surroundings.!Mobile!technology!will!be!used!to! transfer! money! in! public! to! a! friend! without! others! noticing,! for! example! to! avoid! awkwardness:!“Online*bank*Simple*today*announced*MoneyDrop*«Think*of*the*simplicity*of* AirDrop*filePsharing,*but*for*money»”!(text)3,)in)the)attached)dossier).!Vice!versa,!the!use! Paypal!Beacon!sociallyHsituated!and!well!visible!for!bystanders:!!“[the*system]*will*trigger*a* vibration*or*sound*to*confirm*a*successful*check*in*[in*a*store],*your*photo*will*then*appear*on* the*screen*of*the*PointPofPSale*system*so*you*can*be*greeted*by*name.*Paying*only*requires*a* verbal*confirmation,*and*you’re*done.*No*wallet.*No*card.*Nothing*to*do.*Not*even*touching* your*phone”!(text)4,)in)the)attached)dossier).! • Employing) biometric) and) Facial) recognition! (text) 5,) in) the) attached) dossier)! and! generating) instant) gratiFication! for! customers.! “Peapod,* an* online* grocer,* recently* developed*a*feature*on*its*mobile*app*that*allows*customers*to*restock*household*staples*by* scanning*bar*codes*with*their*smartphones*at*home”!(text)6,)in)the)attached)dossier).! • Allowing!microDtransactions)in)computer)games:!“Grand*Theft*Auto*Online*[..]*will*feature* microPtransactions.*Players*will*be*able*to*complete*inPgame*missions*[..]*to*accrue*cash*to*buy* weapons,*cars*and*houses.*However,*they'll*also*be*able*to*use*real*money*to*buy*inPgame*cash* bundles”!(text)7,)in)the)attached)dossier).! • Alternative,) complementary) currencies! and! mobile) payments.! “Complementary* currency* [..]* relies* on* a* homegrown* form* of* paper* money* that* is* accepted* only* in* a* small* geographical*area*and*is*not*backed*by*the*national*government”!(text)8,)in)the)attached) dossier).!Relatively!lowHtech!mobile!payment!systems!are!popular!in!developing!countries:! for! example! the! MHPaisa! system! “facilitates* the* transfer* of* funds* using* a* mobile* phone* through*Short*Message*Service*(SMS)*and*an*Interactive*Voice*Response*(IVR)*system.*[…]*MP Paisa*offers*access*to*financial*services*anywhere*in*Afghanistan*including:*Person*to*person* money*transfer,*Bill*payments,*Receive*money*from*abroad…”!(text)9)and)9,)in)the)attached) dossier).! 2.)Basic)Categories)of)Transaction) The! Transaction! Experience! research! through! design! workshop! participants! explored! different! variables!in!the!transaction!form.!From!their!work,!we!can!map!an!initial!list!of!general!categories,! and!we!can!imagine!possible!innovations!related!to!them.! Which)kind)oF)value)is)exchanged?!Transactions!are!generally!understood!as!exchanges!of!objects! or!services!that!have!value)for!their!users.!However,!the!examples!in!this!mapping!suggest!very) diFFerent)kinds)of)values,!such!as:! • Monetary!value! • Services! • Personal!data! • Information! • Cultural!capital,!knowHhow! • Introductions,!opportunities,!business!connections!/!personal!contacts! • Trust,!reputation! • Experiences,!stories! • Kindness,!empathy!and!other!emotions! ! The)general)component)oF)the)transaction)experience)can)be)represented)on)diFFerent)axes.! [Note:!Two!of!these!axes!were!appropriated!from!work!done!within!Intel!by! Maria!Bezaitis! and! used!with!permission].!Different!experiences!can!be!positioned!on!three!continua:! • Emotional) attachment) to) the) transaction,! to! the! actors! taking! part! to! it! and! to! its! outcomes.!This!axis!may!range!from!indifference!to!deeply*caring.! • Distance)between)the)actors!participating!to!the!transactions.!This!axis!may!range!from! distributed*to!coPlocated.!We!have!noticed!how!this!axis!may!also!be!understood!in!different! ways,!as!physical*distance!but!also!as!temporal*distance!(from!happening*at*the*same*time!to! happening*in*discrete*turns)!and!also!as!cultural*distance!(from!being!specifically*situated*in* a*cultural*context!to!be!culturallyPindependent).! • Ratio)between)humans)and)algorithms! participating!to!the!transactions.!This!axis!may! range!from!all*actors*being*humans!to!all*actors*being*algorithmic.!! The) technologies) used) and) their) relation) with) the) physical) world.! New! technologies! are! entering!this!field,!such!as!wearable!devices,!perceptual!computing,!iBeacon!(lowHpower!Bluetooth)!
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