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Digital financial services have catalyzed financial inclusion in Africa. Commonly implemented as a mobile wallet service referred to as mobile money (MoMo), the technology provides enormous benefits to its users, some of whom have long been…

Human-Computer Interaction · Computer Science 2023-09-04 Karen Sowon , Edith Luhanga , Lorrie Faith Cranor , Giulia Fanti , Conrad Tucker , Assane Gueye

As ATM applications deploy for a banking system, the need to secure communications will become critical. However, multicast protocols do not fit the point-to-point model of most network security protocols which were designed with unicast…

Cryptography and Security · Computer Science 2015-05-13 Zeinab Ghafari , Taha Arian , Morteza Analoui

The amount of secure data being stored on mobile devices has grown immensely in recent years. However, the security measures protecting this data have stayed static, with few improvements being done to the vulnerabilities of current…

Cryptography and Security · Computer Science 2022-05-18 Laura Pryor , Jacob Mallet , Rushit Dave , Naeem Seliya , Mounika Vanamala , Evelyn Sowells Boone

Reliably identifying and verifying subjects remains integral to computer system security. Various novel authentication techniques, such as biometric authentication systems, have been developed in recent years. This paper provides a detailed…

Cryptography and Security · Computer Science 2025-04-30 Rashik Shadman , Ahmed Anu Wahab , Michael Manno , Matthew Lukaszewski , Daqing Hou , Faraz Hussain

Mobile banking applications have gained popularity and have significantly revolutionised the banking industry. Despite the convenience offered by M-Banking Apps, users are often distrustful of the security of the applications due to an…

Human-Computer Interaction · Computer Science 2025-08-26 Richard Apaua , Harjinder Singh Lallie

Biometrics involves using unique human traits, both physical and behavioral, for the digital identification of individuals to provide access to systems, devices, or information. Within the field of computer science, it acts as a method for…

Cryptography and Security · Computer Science 2024-04-29 Sajjad Bhuiyan

This work aims to show the applicability, and how, of privacy by design approach to biometric systems and the benefit of using formal methods to this end. Starting from a general framework that has been introduced at STM in 2014, that…

Cryptography and Security · Computer Science 2017-03-03 Julien Bringer , Herve Chabanne , Daniel Le Metayer , Roch Lescuyer

Recent research has shown the possibility of using smartphones' sensors and accessories to extract some behavioral attributes such as touch dynamics, keystroke dynamics and gait recognition. These attributes are known as behavioral…

Cryptography and Security · Computer Science 2018-01-30 Ahmed Mahfouz , Tarek M. Mahmoud , Ahmed Sharaf Eldin

The inception of AI-based fraud detection systems has presented the banking sector across the globe the opportunity to enhance fraud prevention mechanisms. However, the extent of adoption in Nigeria has been slow, fragmented, and…

Computers and Society · Computer Science 2025-11-04 Stephen Alaba John , Joye Ahmed Shonubi , Patience Farida Azuikpe , Victor Oluwatosin Ologun

Biometric technology has been increasingly deployed in the past decade, offering greater security and convenience than traditional methods of personal recognition. Although biometric signals' quality heavily affects a biometric system's…

Computer Vision and Pattern Recognition · Computer Science 2021-11-18 Fernando Alonso-Fernandez , Julian Fierrez , Javier Ortega-Garcia

Biometric authentication systems are presented as the best way to reach high security levels in controlling access to IT systems or sensitive infrastructures. But several issues are often not taken properly into account. In order for the…

Cryptography and Security · Computer Science 2012-03-05 Alfredo Esposito

The rapid advancement of authentication systems and their increasing reliance on biometrics for faster and more accurate user verification experience, highlight the critical need for a reliable framework to evaluate the suitability of…

Machine Learning · Computer Science 2025-08-20 Rouqaiah Al-Refai , Pankaja Priya Ramasamy , Ragini Ramesh , Patricia Arias-Cabarcos , Philipp Terhörst

In the present day, the requirement of securing electronic cash flow system are increasing significantly. Todays life is so busy that spending a valuable second cost so much. In, such situation if money flow is possible swiftly by just one…

Computers and Society · Computer Science 2013-08-02 Susmita Mandal

In the era of pervasive cyber threats and exponential growth in digital services, the inadequacy of single-factor authentication has become increasingly evident. Multi-Factor Authentication (MFA), which combines knowledge-based factors…

Cryptography and Security · Computer Science 2025-10-08 Abdelilah Ganmati , Karim Afdel , Lahcen Koutti

Systems incorporating biometric technologies have become ubiquitous in personal, commercial, and governmental identity management applications. Both cooperative (e.g. access control) and non-cooperative (e.g. surveillance and forensics)…

Computers and Society · Computer Science 2021-03-08 P. Drozdowski , C. Rathgeb , A. Dantcheva , N. Damer , C. Busch

Blockchain technology has emerged as a transformative tool for data management in a variety of industries, including fintech, research and healthcare. We have developed a workable blockchain based system that utilizes non fungible tokens…

Computers and Society · Computer Science 2024-12-19 Prakhyat Khati , Ajay Kumar Shrestha , Julita Vassileva

Biometrics technologies are gaining popularity today since they provide more reliable and efficient means of authentication and verification. Keystroke Dynamics is one of the famous biometric technologies, which will try to identify the…

Cryptography and Security · Computer Science 2009-10-06 D. Shanmugapriya , G. Padmavathi

The advent of cardless artificial intelligence (AI) banking heralds a paradigm shift in the financial landscape, offering users unprecedented security and convenience. This paper outlines a comprehensive framework designed to enhance…

Cryptography and Security · Computer Science 2026-05-22 Md Israfeel

Biometric systems are widely used for identity verification and identification, including authentication (i.e., one-to-one matching to verify a claimed identity) and identification (i.e., one-to-many matching to find a subject in a…

Cryptography and Security · Computer Science 2024-12-20 Axel Durbet , Paul-Marie Grollemund , Pascal Lafourcade , Kevin Thiry-Atighehchi

Choosing authentication schemes for a specific purpose is challenging for service providers, developers, and researchers. Previous ratings of technical and objective aspects showed that available schemes all have strengths and limitations.…

Human-Computer Interaction · Computer Science 2022-09-29 Verena Zimmermann , Paul Gerber , Alina Stöver