User perceptions of security, convenience and usability for ebanking authentication tokens

Weir, Catherine S.; Douglas, Gary; Carruthers, Martin; Jack, Mervyn

doi:10.1016/j.cose.2008.09.008

Cited by 110 publications

(102 citation statements)

References 25 publications

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“…To measure the underlying determinants of trust in ITEs against the background of our multidimensional model, we used existing and tested measures [10], [20], [50], [54], [60], [68], [74], [99], [111] and generated further items based on exploratory interviews, with the respondents asked what value and risk drivers they associate with living in digital environments. All items were rated on five-point Likert scales (1=strongly disagree; 5=strongly agree) and were specifically referred to an ITE scenario and the possible usage of a mobile assistant, the key device that helps one to control and use the digital components embedded within the digital ecosystem.…”

Section: Methodsmentioning

confidence: 99%

Determinants of Consumers' Perceived Trust in IT-Ecosystems

Wiedmann

Hennigs

Varelmann

et al. 2010

J. theor. appl. electron. commer. res.

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Digital ecosystems, or IT-ecosystems (ITEs), are composed of multiple and independent entities such as individuals, organizations, services, software, and applications. Together, these elements create a number of new independent systems that operate and communicate with their own infrastructure (man to machine; machine to machine; person to person), sharing one or several missions. A better understanding of how ITEs and their interconnected components create benefits and added value for different types of consumers is of particular importance to the establishment of digital environments and to managing their resources. Considering different components of perceived trust in ITEs, we rely in this paper on a multi-dimensional framework of trust effects that includes system-centric as well as user-centric determinants of trust. Based on our conceptual model, we develop two sets of propositions. The first ones address technological drivers of trust in ITEs, whereas the second set of propositions considers individual as well as social drivers of trust. The model and propositions are discussed with reference to preliminary empirical results as well as to future research steps and business implications.

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Section: Methodsmentioning

confidence: 99%

Determinants of Consumers' Perceived Trust in IT-Ecosystems

Wiedmann

Hennigs

Varelmann

et al. 2010

J. theor. appl. electron. commer. res.

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show abstract

“…The experiment conducted by Weir et al used 50 e-banking customers to compare the security and usability of MFA methods when using token devices [20]. Through the research it was identified that participant felt card-activated tokens and the push button token to be usable and secure but the chip-and-PIN method to be less usable [20].…”

Section: International Journal Of Advanced Research (Ijar) 315mentioning

confidence: 99%

“…Through the research it was identified that participant felt card-activated tokens and the push button token to be usable and secure but the chip-and-PIN method to be less usable [20]. According to M. Mannanthe and P. C. Oorschot the guaranteed online transaction security applies only for the users who fulfill certain security requirements stated by the banks [21].…”

Section: International Journal Of Advanced Research (Ijar) 315mentioning

confidence: 99%

Level of Usability of the Multi Factor Authentication Process of Online Banking: A User Experience Study.

GamageM.¹

2017

IJAR

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“…Other past work has also investigated user acceptance of authentication technology: Jones et al described users' general perceptions of authentication mechanisms [15] and Weir et al compared the usability of two-factor authentication for eBanking applications [28]. Both papers discuss interesting individual insights into users' decisions on authentication technology, but, in contrast to this paper, do not attempt to paint a more general picture.…”

Section: Related Workmentioning

confidence: 99%

On the Acceptance of Privacy-Preserving Authentication Technology: The Curious Case of National Identity Cards

Harbach

Fahl

Rieger

et al. 2013

Lecture Notes in Computer Science

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Abstract. Many attempts have been made to replace the ubiquitous username-and-password authentication scheme in order to improve user security, privacy and usability. However, none of the proposed methods have gained wide-spread user acceptance. In this paper, we examine the users' perceptions and concerns on using several alternative authentication methods on the Internet. We investigate the adoption of the new German national identity card, as it is the first eID-enabled card with dedicated features to enable privacy-preserving online authentication. Even though its large-scale roll-out was backed by a national government, adoption rates and acceptance are still low. We present results of three focus groups as well as interviews with service providers, showing that preserving privacy is just one of several factors relevant to the acceptance of novel authentication technologies by users as well as service providers.

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User perceptions of security, convenience and usability for ebanking authentication tokens

Cited by 110 publications

References 25 publications

Determinants of Consumers' Perceived Trust in IT-Ecosystems

Determinants of Consumers' Perceived Trust in IT-Ecosystems

Level of Usability of the Multi Factor Authentication Process of Online Banking: A User Experience Study.

On the Acceptance of Privacy-Preserving Authentication Technology: The Curious Case of National Identity Cards

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