Related papers: A Framework for the Adoption of Biometric ATM Auth…
Blockchain technology has become a thriving topic in the last years, making possible to transform old-fashioned operations to more fast, secured, and cheap approaches. In this study we explore the potential of blockchain for biometrics,…
Algorithmic decision systems have frequently been labelled as "biased", "racist", "sexist", or "unfair" by numerous media outlets, organisations, and researchers. There is an ongoing debate whether such assessments are justified and whether…
The West African Economic and Monetary Union (WAEMU) states, characterized by widespread smartphone usage, have witnessed banks and financial institutions introducing mobile banking applications (MBAs). These apps empower users to perform…
Mobile behavioral biometrics have become a popular topic of research, reaching promising results in terms of authentication, exploiting a multimodal combination of touchscreen and background sensor data. However, there is no way of knowing…
Blockchain and distributed ledger technologies are gaining the interest of the academy, companies, and institutions. Nonetheless, the path toward blockchain adoption is not straightforward, as blockchain is a complex technology that…
The rising popularity of mobile payments can be attributed to the widespread use of smartphones and their applications. Despite its potential to simplify our lives, its adoption in African countries has been limited. This paper aims to…
Privacy-enhancing technologies are technologies that implement fundamental data protection principles. With respect to biometric recognition, different types of privacy-enhancing technologies have been introduced for protecting stored…
Generative AI (Gen-AI) deepfakes pose a rapidly evolving threat to biometric authentication, yet a significant gap exists between expert understanding of these risks and public perception. This disconnection creates critical vulnerabilities…
Smartphones and tablets have become ubiquitous in our daily lives. Smartphones, in particular, have become more than personal assistants. These devices have provided new avenues for consumers to play, work, and socialize whenever and…
A growing trend in financial technology (fintech) is the use of mobile phone data and machine learning (ML) to provide credit scores- and subsequently, opportunities to access loans- to groups left out of traditional banking. This paper…
The recent rapid advancements in both sensing and machine learning technologies have given rise to the universal collection and utilization of people's biometrics, such as fingerprints, voices, retina/facial scans, or gait/motion/gestures…
The performance of a biometric system that relies on a single biometric modality (e.g., fingerprints only) is often stymied by various factors such as poor data quality or limited scalability. Multibiometric systems utilize the principle of…
Biometric signature verification has been traditionally performed in pen-based office-like scenarios using devices specifically designed for acquiring handwriting. However, the high deployment of devices such as smartphones and tablets has…
The Internet of Things (IoT) is increasingly empowering people with an interconnected world of physical objects ranging from smart buildings to portable smart devices such as wearables. With the recent advances in mobile sensing, wearables…
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…
As Generative Artificial Intelligence is adopted across the financial services industry, a significant barrier to adoption and usage is measuring model performance. Historical machine learning metrics can oftentimes fail to generalize to…
Advancement in communication technology provides a scalable platform for various services where a remote user can access the server from anywhere without moving from its place. It has provided a unique opportunity for online services, such…
Gaining the trust of customers and providing them empathy are very critical in the financial domain. Frequent occurrence of fraudulent activities affects these two factors. Hence, financial organizations and banks must take utmost care to…
Blockchain technologies provide excellent architectures and practical tools for securing and managing the sensitive and private data stored in biometric templates, but at a cost. We discuss opportunities and challenges in the integration of…
A biometric recognition system can operate in two distinct modes: identification or verification. In the first mode, the system recognizes an individual by searching the enrolled templates of all the users for a match. In the second mode,…