Usable and secure? User perception of four authentication
methods for mobile banking

J 2022

Usable and secure? User perception of four authentication methods for mobile banking

KRUŽÍKOVÁ, Agáta; Lenka KNAPOVÁ; David ŠMAHEL; Lenka DĚDKOVÁ; Václav MATYÁŠ et al.

Základní údaje

Originální název

Usable and secure? User perception of four authentication methods for mobile banking

Autoři

KRUŽÍKOVÁ, Agáta; Lenka KNAPOVÁ; David ŠMAHEL; Lenka DĚDKOVÁ a Václav MATYÁŠ

Vydání

Computers & Security, Oxford, Elsevier, 2022, 0167-4048

Další údaje

Jazyk

angličtina

Typ výsledku

Článek v odborném periodiku

Obor

10201 Computer sciences, information science, bioinformatics

Stát vydavatele

Velká Británie a Severní Irsko

Utajení

není předmětem státního či obchodního tajemství

Odkazy

URL

Impakt faktor

Impact factor: 5.600

Označené pro přenos do RIV

Ano

Kód RIV

RIV/00216224:14330/22:00125151

Organizační jednotka

Fakulta informatiky

Klíčová slova česky

autentizace, otisk prstu, PIN, token, čtečka karet, použitelná bezpečnost, uživatelská studie, online bankovnictví

Klíčová slova anglicky

authentication; fingerprint; PIN; token; card reader; usable security; user study; online banking

Příznaky

Mezinárodní význam, Recenzováno

Změněno: 28. 3. 2023 09:58, RNDr. Pavel Šmerk, Ph.D.

Anotace

V originále

Smartphone authentication is becoming a cornerstone security component, so it is necessary to have methods that are usable and secure to ensure adequate protection, especially for mobile banking. Though biometric authentication seems to be perceived as very usable by users, there is a lack of research to compare smartphone-based fingerprint verification to other authentication methods for mobile banking in terms of usability and perceived security. Using two independent samples, we conducted a study for a younger group aged 26-54 (N = 229) and an older group aged 55+ (N = 239) about their perceptions of the usability and security of four authentication methods: fingerprint, PIN, token, and card reader. All four methods were evaluated positively for both usability and security, with fingerprint verification evaluated as the most usable and the most secure method for mobile banking. Interestingly, none of our hypothesized predictors (i.e., age, gender, education, smartphone self-efficacy, smartphone security behaviour, knowledge of secure smartphone behaviour) was consistently related to how users perceive the usability and security of the examined methods. This suggests that smartphone users would be able to successfully adopt, and be quite satisfied with, any of the tested methods, regardless of demography or smartphone skills.

Návaznosti

TL01000207, projekt VaV

Název: Inovace a adaptace autentizačních technologií pro bezpečné digitální prostředí

Investor: Technologická agentura ČR, Inovace a adaptace autentizačních technologií pro bezpečné digitální prostředí

Citovat

KRUŽÍKOVÁ, Agáta; Lenka KNAPOVÁ; David ŠMAHEL; Lenka DĚDKOVÁ a Václav MATYÁŠ. Usable and secure? User perception of four authentication methods for mobile banking. Computers & Security. Oxford: Elsevier, 2022, roč. 115, č. 1, s. 1-12. ISSN 0167-4048. Dostupné z: https://doi.org/10.1016/j.cose.2022.102603.

@article{1818970,
   author = {Kružíková, Agáta and Knapová, Lenka and Šmahel, David and Dědková, Lenka and Matyáš, Václav},
   article_location = {Oxford},
   article_number = {1},
   doi = {https://doi.org/10.1016/j.cose.2022.102603},
   keywords = {authentication; fingerprint; PIN; token; card reader; usable security; user study; online banking},
   language = {eng},
   issn = {0167-4048},
   journal = {Computers & Security},
   title = {Usable and secure? User perception of four authentication methods for mobile banking},
   url = {https://doi.org/10.1016/j.cose.2022.102603},
   volume = {115},
   year = {2022}
}

TY  - JOUR
ID  - 1818970
AU  - Kružíková, Agáta - Knapová, Lenka - Šmahel, David - Dědková, Lenka - Matyáš, Václav
PY  - 2022
TI  - Usable and secure? User perception of four authentication methods for mobile banking
JF  - Computers & Security
VL  - 115
IS  - 1
SP  - 1-12
EP  - 1-12
PB  - Elsevier
SN  - 01674048
KW  - authentication
KW  - fingerprint
KW  - PIN
KW  - token
KW  - card reader
KW  - usable security
KW  - user study
KW  - online banking
UR  - https://doi.org/10.1016/j.cose.2022.102603
N2  - Smartphone authentication is becoming a cornerstone security component, so it is necessary to have methods that are usable and secure to ensure adequate protection, especially for mobile banking. Though biometric authentication seems to be perceived as very usable by users, there is a lack of research to compare smartphone-based fingerprint verification to other authentication methods for mobile banking in terms of usability and perceived security. Using two independent samples, we conducted a study for a younger group aged 26-54 (N = 229) and an older group aged 55+ (N = 239) about their perceptions of the usability and security of four authentication methods: fingerprint, PIN, token, and card reader. All four methods were evaluated positively for both usability and security, with fingerprint verification evaluated as the most usable and the most secure method for mobile banking. Interestingly, none of our hypothesized predictors (i.e., age, gender, education, smartphone self-efficacy, smartphone security behaviour, knowledge of secure smartphone behaviour) was consistently related to how users perceive the usability and security of the examined methods. This suggests that smartphone users would be able to successfully adopt, and be quite satisfied with, any of the tested methods, regardless of demography or smartphone skills.
ER  -

KRUŽÍKOVÁ, Agáta; Lenka KNAPOVÁ; David ŠMAHEL; Lenka DĚDKOVÁ a Václav MATYÁŠ. Usable and secure? User perception of four authentication methods for mobile banking. \textit{Computers \&{} Security}. Oxford: Elsevier, 2022, roč.~115, č.~1, s.~1-12. ISSN~0167-4048. Dostupné z: https://doi.org/10.1016/j.cose.2022.102603.

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