2023
DOI: 10.22266/ijies2023.0630.36
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Online Financial Transactions in India: A Study of Its - Significance, Frauds and Security Models to Counter Frauds

Abstract: In India, online digital transaction has become prominent means of financial transaction in everyone's day-to-day life as per reserve bank of India's (RBI) reports. Presently, Indian banks protect users' online transactions with only username and password, CAPTCHA, and dynamic 6 or 8-digit one time passwords (OTPs), which are not very secure. According to literature, this straightforward method of authentication is easily vulnerable to numerous threats. The time offered to enter the OTP with numerical pattern … Show more

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