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The rise of smartphones has led to a significant increase in the usage of mobile payments. Mobile payments allow individuals to access financial resources and make transactions through their mobile devices while on the go. However, the…
Wallet may be described as container application used for configuring, accessing and analysing data from underlying payment application(s). There are two dominant types of digital wallet applications, proximity wallet and remote wallet. In…
Nowadays, most mobile devices support biometric authentication schemes like fingerprint or face unlock. However, these probabilistic mechanisms can only be activated in combination with a second alternative factor, usually knowledge-based…
Cashless payment systems offer many benefits over cash, but also have some drawbacks. Fake terminals, skimming, wireless connectivity, and relay attacks are persistent problems. Attempts to overcome one problem often lead to another - for…
As people store more personal data in their smartphones, the consequences of having it stolen or lost become an increasing concern. A typical counter-measure to avoid this risk is to set up a secret code that has to be entered to unlock the…
Cash payment is still king in several markets, accounting for more than 90\ of the payments in almost all the developing countries. The usage of mobile phones is pretty ordinary in this present era. Mobile phones have become an inseparable…
Personal Identification Numbers (PINs) are widely used as an access control mechanism for digital assets (e.g., smartphones), financial assets (e.g., ATM cards), and physical assets (e.g., locks for garage doors or homes). Using…
This work includes a review of two cases study of mobile applications that use Identity-Based Cryptography (IBC) to protect communications. It also describes a proposal of a new mobile application that combines the use of IBC for Wi-Fi or…
E-payments are essential for transactional convenience in today's digital economy and are becoming increasingly important for older adults, emphasizing the need for enhanced security, privacy, and usability. To address this, we conducted a…
This comprehensive survey deliberated over the security of electronic payment systems. In our research, we focused on either dominant systems or new attempts and innovations to improve the level of security of the electronic payment…
Previous Web access authentication systems often use either the Web or the Mobile channel individually to confirm the claimed identity of the remote user. This paper proposes a new protocol using multifactor authentication system that is…
Due to increased security awareness of enterprises for mobile applications operating with sensitive or personal data as well as extended regulations form legislative (the principle of proportionality) various approaches, how to implement…
The emergence of mobile applications to execute sensitive operations has brought a myriad of security threats to both enterprises and users. In order to benefit from the large potential in smartphones there is a need to manage the risks…
Mobile device users avoiding observational attacks and coping with situational impairments may employ techniques for eyes-free mobile unlock authentication, where a user enters his/her passcode without looking at the device. This study…
With the recent shift towards mobile computing, new challenges for biometric authentication appear on the horizon. This paper provides a comprehensive study of cross-spectral iris recognition in a scenario, in which high quality color…
In this work we present definitive evidence, analysis, and (where needed) speculation to answer the questions, (1) Which concrete security measures in mobile devices meaningfully prevent unauthorized access to user data? (2) In what ways…
Nowadays, the usage of smartphones and their applications have become rapidly increasing popular in people's daily life. Over the last decade, availability of mobile money services such as mobile-payment systems and app markets have…
Zero Trust Architecture (ZTA) has become a widely adopted model for securing enterprise environments, promoting continuous verification and minimal trust across systems. However, its application in mobile contexts remains limited, despite…
Advances of emerging Information and Communications Technology (ICT) technologies push the boundaries of what is possible and open up new markets for innovative ICT products and services. The adoption of ICT products and systems with…
Central Bank Digital Currency (CBDCs) are becoming a new digital financial tool aimed at financial inclusion, increased monetary stability, and improved efficiency of payment systems, as they are issued by central banks. One of the most…