Strengthening E-Banking security using Keystroke Dynamics

Ahmad Kabir Usman () and Mahmood Hussain Shah ()
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Ahmad Kabir Usman: Researcher, Lancashire Business School, University of Central Lancashire, UK
Mahmood Hussain Shah: Lancashire Business School, University of Central Lancashire, UK

Journal of Internet Banking and Commerce, 2013, vol. 18, issue 3, 01-11

Abstract: This paper investigates keystroke dynamics and its possible use as a tool to prevent or detect fraud in the banking industry. Given that banks are constantly on the lookout for improved methods to address the menace of fraud, the paper sets out to review keystroke dynamics, its advantages, disadvantages and potential for improving the security of e-banking systems. This paper evaluates keystroke dynamics suitability of use for enhancing security in the banking sector. Results from the literature review found that keystroke dynamics can offer impressive accuracy rates for user identification. Low costs of deployment and minimal change to users modus operandi make this technology an attractive investment for banks. The paper goes on to argue that although this behavioural biometric may not be suitable as a primary method of authentication, it can be used as a secondary or tertiary method to complement existing authentication systems.

Keywords: E-Banking; E-banking Frauds Prevention; Internet Banking Security; Fraud Prevention; Keystroke Dynamics; Behavioral Biometric; Biometric Authentication (search for similar items in EconPapers)
JEL-codes: G24 (search for similar items in EconPapers)
Date: 2013
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Persistent link: https://EconPapers.repec.org/RePEc:ris:joibac:0311

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