Multi-Factor Authentication Method for Online Banking Services in South Africa

Moepi, Glen L.; Mathonsi, Topside E.

doi:10.1109/icecet52533.2021.9698724

Cited by 3 publications

(3 citation statements)

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“…IP addresses and geolocation can provide additional security by verifying the user's location [34], [68]. However, they can be masked or manipulated using proxy servers or virtual private networks (VPNs), reducing their effectiveness as standalone authentication methods [42], [69], [70]. CAPTCHA tests, widely used to distinguish between humans and automated bots, typically involve visual or auditory challenges requiring human interpretation [71].…”

Section: ) Other Authentication Methodsmentioning

confidence: 99%

“…2-Universal 2nd Factor, FIDO registration using a second-factor device such as a USB key. [42] The authors proposed an MFA method using username/password, user biometrics (fingerprint or facial recognition), and device identification (IP address, cookies, or digital certificate). [43] The authors in this study suggest the usage of mobile screen swipe and touch data for user authentication.…”

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: ) Other Authentication Methodsmentioning

confidence: 99%

Section: Yearmentioning

confidence: 99%

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

“…(Akhtar & Haq, 2011). However, they can be masked or manipulated using proxy servers or virtual private networks (VPNs), reducing their effectiveness as standalone authentication methods (Moepi & Mathonsi, 2021). CAPTCHA tests contain visual or audio puzzles that require human interpretation to solve in order to distinguish between humans and automated bots.…”

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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Implementation of an Adaptive Five-Factor Authentication Scheme for Online Banking Services in South Africa

Moepi,

Mathonsi

2023

2023 Ieee Africon

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Multi-Factor Authentication Method for Online Banking Services in South Africa

Cited by 3 publications

References 10 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

Implementation of an Adaptive Five-Factor Authentication Scheme for Online Banking Services in South Africa

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