Security and trust: taking care of the human factor

In the e-business chain, the last link that needs to be convinced of the security of an online transaction is the end-user. That is why this article puts forward a user-centred perspective of the problem of trust in online payments, derived from the discipline of Human-Computer Interaction (HCI). We will first offer a general account of e-commerce system design, showing that there is more to trust than only security. The last part gives some recommendations on what can be done to increase consumers' trust.