Authentication and protection for e-finance consumers: the dichotomy of cost versus ease of use
AbstractMultifactor 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 InfoArticle provided by Inderscience Enterprises Ltd in its journal Int. J. of Electronic Finance.
Volume (Year): 3 (2009)
Issue (Month): 1 ()
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Web page: http://www.inderscience.com/browse/index.php?journalID=171
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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