Usable and secure? User perception of four authentication methods for mobile banking
Identifikátory výsledku
Kód výsledku v 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>
Výsledek na webu
<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>
Alternativní jazyky
Jazyk výsledku
angličtina
Název v původním jazyce
Usable and secure? User perception of four authentication methods for mobile banking
Popis výsledku v původním jazyce
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.
Název v anglickém jazyce
Usable and secure? User perception of four authentication methods for mobile banking
Popis výsledku anglicky
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.
Klasifikace
Druh
J<sub>imp</sub> - Článek v periodiku v databázi Web of Science
CEP obor
—
OECD FORD obor
10201 - Computer sciences, information science, bioinformathics (hardware development to be 2.2, social aspect to be 5.8)
Návaznosti výsledku
Projekt
<a href="/cs/project/TL01000207" target="_blank" >TL01000207: Inovace a adaptace autentizačních technologií pro bezpečné digitální prostředí</a><br>
Návaznosti
P - Projekt vyzkumu a vyvoje financovany z verejnych zdroju (s odkazem do CEP)
Ostatní
Rok uplatnění
2022
Kód důvěrnosti údajů
S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů
Údaje specifické pro druh výsledku
Název periodika
Computers & Security
ISSN
0167-4048
e-ISSN
—
Svazek periodika
115
Číslo periodika v rámci svazku
1
Stát vydavatele periodika
GB - Spojené království Velké Británie a Severního Irska
Počet stran výsledku
12
Strana od-do
1-12
Kód UT WoS článku
000754601100006
EID výsledku v databázi Scopus
2-s2.0-85122828249