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Security and usability of authenticating process of online banking: User experience study

机译：网上银行认证过程的安全性和可用性：用户体验研究

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摘要

Bank websites are secure websites considered high risk, so security is a prime concern. Authentication is extremely important because it serves as the entry point for customers to access their personal and sensitive information. To be considered effective and desirable, a banking website should provide its users with secure and usable authentication mechanisms. Otherwise, the authentication process likely will become unsafe and frustrating for users. This issue in turn compromises the bank's objective to make online transactions convenient for its users. Focusing on this dilemma, this paper sought to examine the security and usability of single and multifactor authentication methods, which are used by most banks to strengthen the security process. However, the security and usability of multifactor authentication have not been closely investigated from the user's perspective. In a survey of 302 e-banking customers who owned at least two international bank accounts, multifactor authentication methods were perceived as secure and trustworthy, with a high rate of usability. Token-based authentication was perceived as more usable than SMS-based authentication, during which a SMS is sent via mobile means.
机译：银行网站是安全的网站，被认为是高风险的，因此安全性是首要考虑的问题。身份验证非常重要，因为它是客户访问其个人和敏感信息的入口。为了被认为是有效和可取的，银行网站应向其用户提供安全且可用的身份验证机制。否则，身份验证过程可能会变得不安全并使用户感到沮丧。此问题反过来损害了该银行使用户方便进行在线交易的目标。着眼于这一难题，本文试图研究单一和多因素身份验证方法的安全性和可用性，大多数银行都使用这种方法来加强安全性过程。但是，从用户的角度出发，尚未对多因素身份验证的安全性和可用性进行深入研究。在对至少拥有两个国际银行帐户的302家电子银行客户进行的一项调查中，多因素身份验证方法被认为是安全可靠的，具有很高的可用性。人们认为，基于令牌的身份验证比基于SMS的身份验证更有用，在此期间，通过移动方式发送SMS。

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