Artificial intelligence in password-less authentication: bridging the gap between security and transparency

Nitin Bansal

Journal of Operational Risk

Abstract: This paper explores the role of artificial intelligence (AI) in the adoption of password-less authentication in an Indian context. It focuses on how AI manages the balance between strong security and transparency. The study adopts a quantitative research design and uses primary data collected from 438 Generation Y and Generation Z respondents from the National Capital Region, India, through a self-administered questionnaire. Modeling with the partial least square structural equation modeling (PLS-SEM) algorithm reveals that AI has a significant impact on the acceptability of password-less authentication to Gen Y and Z in an Indian context. These generations are tech savvy and use multiple digital services that can benefit from authentication controls, so they are willing to accept AI-based password-less authentication. This study provides actionable insights for policy makers, information technology developers and digital service providers in providing a secure, transparent and AI-driven password-less authentication mechanism in India. The paper investigates the intersection of AI, security and transparency that is important when it comes to authentication systems. It highlights how crucial it is to consider their social and technical aspects, particularly in emerging markets such as India. The paper may be used as a thoughtful guide to responsibly rolling out AI in identity verification.

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