Useable Authentication Mechanisms for Secure Online Banking in Saudi Arabia

Authors(1) :-Ali Alzahrani

Two-factor identity authentication offers the most effective login security, and online and mobile banking users now use multi-factor identity authentication as the simplest and most innovative login security measure available for guaranteeing the privacy and safety of personal data. This system allows banks to recognize a client, while simultaneously verifying for the client whether he/she has accessed the correct bank’s website or application prior to password entry. All internet and mobile banking authentication techniques may be categorized as preventing two common types of attack: offline credential theft and online channel-breaking attacks. It has therefore been recommended by security experts worldwide that a multi-factor authentication method be used for Internet and mobile banking authentication to ensure the safety of users’ confidential data without undermining the ease of secure and simple authentication. Multi-factor internet and mobile banking authentication seems, therefore, to offer a solution through which the trade-off between safety and usability may be successfully negotiated. This study’s primary objective is to propose various practical technological security mechanisms that will enable online banking customers in Saudi Arabia to select their preferred method of signing into online banking websites that are reliant on one-time password (OTP) techniques. The study included a survey aimed at ascertaining the various techniques used and which of these techniques were preferred. The experiment replicated an actual online banking setting utilizing the proposed methods; subsequently, the usability and safety of three different techniques for generating and communicating OTPs were assessed (SMS, e-mail, and soft and hard tokens).

Authors and Affiliations

Ali Alzahrani
Department Computer Science, Islamic University of Madinah, Madinah, Saudi Arabia

Password Authentication, One-Time Password (OTP), Two-factor Authentication

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Publication Details

Published in : Volume 3 | Issue 7 | September-October 2018
Date of Publication : 2018-09-30
License:  This work is licensed under a Creative Commons Attribution 4.0 International License.
Page(s) : 79-89
Manuscript Number : CSEIT183712
Publisher : Technoscience Academy

ISSN : 2456-3307

Cite This Article :

Ali Alzahrani , "Useable Authentication Mechanisms for Secure Online Banking in Saudi Arabia ", International Journal of Scientific Research in Computer Science, Engineering and Information Technology (IJSRCSEIT), ISSN : 2456-3307, Volume 3, Issue 7, pp.79-89, September-October-2018.
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