Usable and secure? User perception of four authentication methods for mobile banking

Result code in IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F00216224%3A14330%2F22%3A00125151" target="_blank" >RIV/00216224:14330/22:00125151 - isvavai.cz</a>

Result on the web

<a href="https://doi.org/10.1016/j.cose.2022.102603" target="_blank" >https://doi.org/10.1016/j.cose.2022.102603</a>

DOI - Digital Object Identifier

<a href="http://dx.doi.org/10.1016/j.cose.2022.102603" target="_blank" >10.1016/j.cose.2022.102603</a>

Result language

angličtina

Original language name

Usable and secure? User perception of four authentication methods for mobile banking

Original language description

Smartphone authentication is becoming a cornerstone security component, so it is necessary to have methods that are usable and secure to ensure adequate protection, especially for mobile banking. Though biometric authentication seems to be perceived as very usable by users, there is a lack of research to compare smartphone-based fingerprint verification to other authentication methods for mobile banking in terms of usability and perceived security. Using two independent samples, we conducted a study for a younger group aged 26-54 (N = 229) and an older group aged 55+ (N = 239) about their perceptions of the usability and security of four authentication methods: fingerprint, PIN, token, and card reader. All four methods were evaluated positively for both usability and security, with fingerprint verification evaluated as the most usable and the most secure method for mobile banking. Interestingly, none of our hypothesized predictors (i.e., age, gender, education, smartphone self-efficacy, smartphone security behaviour, knowledge of secure smartphone behaviour) was consistently related to how users perceive the usability and security of the examined methods. This suggests that smartphone users would be able to successfully adopt, and be quite satisfied with, any of the tested methods, regardless of demography or smartphone skills.

Czech name

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Czech description

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Type

J_imp - Article in a specialist periodical, which is included in the Web of Science database

CEP classification

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OECD FORD branch

10201 - Computer sciences, information science, bioinformathics (hardware development to be 2.2, social aspect to be 5.8)

Project

<a href="/en/project/TL01000207" target="_blank" >TL01000207: Innovation and adaptation of authentication technologies for secure digital environment</a><br>

Continuities

P - Projekt vyzkumu a vyvoje financovany z verejnych zdroju (s odkazem do CEP)

Publication year

2022

Confidentiality

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Name of the periodical

Computers & Security

ISSN

0167-4048

e-ISSN

—

Volume of the periodical

115

Issue of the periodical within the volume

1

Country of publishing house

GB - UNITED KINGDOM

Number of pages

12

Pages from-to

1-12

UT code for WoS article

000754601100006

EID of the result in the Scopus database

2-s2.0-85122828249