Biometric-Based Authentication in Online Banking

Hublikar, Shivaraj; Pattanashetty, Vishal B.; Mane, Venkatesh; Pillai, Preeti S.; Lakkannavar, Manjunath; Shet, N. S. V.

doi:10.1007/978-981-19-0095-2_26

Cited by 2 publications

(4 citation statements)

References 6 publications

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“…Similarly, behavioral biometrics analyzes user behavior for authentication purposes, offering a robust authentication mechanism, but it raises concerns about privacy and the security of the stored data. Implementing robust measures to protect against unauthorized access or misuse of biometric information [48]. Moreover, implementing biometric authentication can be complex and may not work for all users.…”

Section: ) Bba Methodsmentioning

confidence: 99%

“…[9], [48], [64], [82] Physiological Biometrics (i.e., Fingerprint, face ID) -BBA implementation can be complex and may not be suitable for many users. -Concerns about the security and privacy of stored data are brought up using biometric data.…”

Section: Pinmentioning

confidence: 99%

“…After determining whether the image is fake or real, match the webcam image with the image chain; if both images match, the OTP is given to the user's phone number for login access. [48] The authors proposed a 2FA method for online banking transactions using OTP and fingerprint. [49] The authors proposed an MFA method for online banking using PIN, OTP, and CAPTCHA.…”

Section: Yearmentioning

confidence: 99%

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Online Banking User Authentication Methods: A Systematic Literature Review

Karim,

Khashan,

Kanaker

et al. 2024

IEEE Access

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Online banking has become increasingly popular in recent years, making it a target for cyberattacks. Banks have implemented various user authentication methods to protect their customers' online accounts. This paper reviews the state-of-the-art user authentication methods used in online banking and potential cyber threats. This paper starts by exploring different user authentication methods, such as knowledge-based authentication (KBA), biometrics-based authentication (BBA), possession-based authentication (PBA), and other methods. The advantages and disadvantages of each user authentication method are then discussed. Furthermore, the paper discusses the various cyber threats that can compromise user authentication for online banking systems, such as malware attacks, social engineering, phishing attacks, man-in-the-middle (MiTM) attacks, denial of service (DoS) attacks, session hijacking, weak passwords, keyloggers, SQL injection, and replay attacks. Also, the paper explores the user authentication methods used by popular banks, which can provide insights into best practices for safeguarding online banking accounts and future user authentication methods in online banking and cyber threats. It states that the increasing use of BBA, two-factor authentication (2FA), and multi-factor authentication (MFA) will help improve the security of online banking systems. However, the paper also warns that new cyber challenges will emerge, and banks need to be vigilant in protecting their customers' online banking accounts.

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Section: ) Bba Methodsmentioning

confidence: 99%

Section: Pinmentioning

confidence: 99%

Section: Yearmentioning

confidence: 99%

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Online Banking User Authentication Methods: A Systematic Literature Review

Karim,

Khashan,

Kanaker

et al. 2024

IEEE Access

View full text Add to dashboard Cite

show abstract

“…Additionally, the BBA offers the most reliable and precise way of identification since biometrics cannot be easily stolen or transferred (Nedjah et al, 2017;Shakil et al, 2017). However, biometrics authentication is uncommon because it is perceived as a violation of personal privacy (Hublikar et al, 2023). Furthermore, putting biometric authentication into place might be difficult and not always be successful for all users.…”

Section: Introductionmentioning

confidence: 99%

Using interface preferences as evidence of user identity: A feasibility study

Karim,

Abdulraheem,

Kanaker

et al. 2024

10.5267/j.ijdns

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Research on human-computer interaction currently focuses on enhancing system usability by establishing an appropriate user interface (UI) that depends on users’ features. Online users typically have different perceptions of their favored interface design depending on their preferences. Thus, those interface preferences could be utilized to recognize online users’ identities. User authentication is another critical issue that should be considered to improve online security mechanisms without compromising usability. This study investigates the feasibility of using UI preferences as evidence of user identity. The proposed method applies to the design preferences of users dealing with online systems (e.g., e-exam and e-banking). These preferences are closely associated with individual characteristics, whether physical, cognitive, psychological, psychomotor, demographic, or experience based. Many design characteristics could be used in online systems; for example, the e-exam interface design may use features such as the font (size, color, and face), the number of questions per page, background color, questions group, timer type, and sound alert. The feasibility evaluation of this study indicated that 96.8% of research participants have variations in their preferences, and each participant kept 94.5% of their design preferences throughout different sessions.

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Biometric-Based Authentication in Online Banking

Cited by 2 publications

References 6 publications

Online Banking User Authentication Methods: A Systematic Literature Review

Online Banking User Authentication Methods: A Systematic Literature Review

Using interface preferences as evidence of user identity: A feasibility study

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