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Authentication and protection for e-finance consumers: the dichotomy of cost versus ease of use

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Author Info

  • Seungjae Shin
  • Jerry Cunningham
  • Jungwoo Ryoo
  • Jack E. Tucci
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    Abstract

    Multifactor authentication is a tool to combat identity theft and is mandated by the Federal Financial Institutions Examination Council. However, there are only a few US financial institutions that have implemented two-factor authentication. A goal for financial institutions is to provide both a secure and easy-to-use system for customers. This article describes web authentication technologies that are currently available to financial institutions and provides an interpretation of survey results to identify the perceptions/expectations of online customers. In our online banking customer survey, we found that online banking customers are willing to sacrifice some ease-of-use for more secure online banking transactions.

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    Bibliographic Info

    Article provided by Inderscience Enterprises Ltd in its journal Int. J. of Electronic Finance.

    Volume (Year): 3 (2009)
    Issue (Month): 1 ()
    Pages: 31-45

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    Handle: RePEc:ids:ijelfi:v:3:y:2009:i:1:p:31-45

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    Web page: http://www.inderscience.com/browse/index.php?journalID=171

    Related research

    Keywords: multifactor authentication; phishing; online ID theft; electronic finance; e-finance; online banking; biometrics; security token; identity theft; web authentication; internet; e-banking; electronic banking.;

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