This paper describes an investigation into the trust and security concerns of users who carry out interactions in ubiquitous and mobile computing environments. The study involved demonstrating an "Electronic wallet" to pay for a meal in a simulated restaurant, and analyzing subjects responses based on structured interviews. The authors asked the users to rank-order five payment methods including three choices for the payment target, and both wired and wireless connections. The analysis led to classify the users into trust-, social- and convenience-oriented clusters. The paper provides a detailed analysis of the users reasoning about trust-related issues, and draws conclusions about the design of secure interaction technologies for ubiquitous computing.
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