Behavioral Biometrics for User Authentication and Fraud Prevention in Mobile Banking

Authors

  • ANIRUDH MUSTYALA

DOI:

https://doi.org/10.53555/ephijse.v6i4.241

Keywords:

Behavioral Biometrics, User Authentication, Fraud Prevention, Behavioral biometrics, User Convenience

Abstract

The rapid growth of mobile banking has introduced new challenges for ensuring user authentication and fraud prevention. Traditional methods such as passwords and PINs are vulnerable to security breaches. Behavioral biometrics, a cutting-edge technology, offers a robust solution by analyzing user behavior patterns. This paper explores the concept of behavioral biometrics, its applications in mobile banking, benefits, challenges, and the future landscape of secure mobile banking.

Author Biography

ANIRUDH MUSTYALA

Sr. Associate Software Engineer at JP Morgan Chase

 

References

Alzubaidi, A., & Kalita, J. (2016). Authentication of smartphone users using behavioral biometrics. IEEE Communications Surveys & Tutorials, 18(3), 1998-2026.

Lovisotto, G., Malik, R., Sluganovic, I., Roeschlin, M., Trueman, P., & Martinovic, I. (2017). Mobile biometrics in financial services: A five factor framework. University of Oxford, Oxford, UK.

Avdić, A. (2019). Use of biometrics in mobile banking security: case study of Croatian banks. IJCSNS Int J Comput Sci Network Security, 19, 83-89.

Moskovitch, R., Feher, C., Messerman, A., Kirschnick, N., Mustafic, T., Camtepe, A., ... & Elovici, Y. (2009, June). Identity theft, computers and behavioral biometrics. In 2009 IEEE International Conference on Intelligence and Security Informatics (pp. 155-160). IEEE.

Buriro, A. (2017). Behavioral biometrics for smartphone user authentication (Doctoral dissertation, University of Trento).

Buriro, A., Crispo, B., & Conti, M. (2019). AnswerAuth: A bimodal behavioral biometric-based user authentication scheme for smartphones. Journal of information security and applications, 44, 89-103.

Mahfouz, A., Mahmoud, T. M., & Eldin, A. S. (2017). A survey on behavioral biometric authentication on smartphones. Journal of information security and applications, 37, 28-37.

Buriro, A., Crispo, B., Del Frari, F., & Wrona, K. (2015). Touchstroke: Smartphone user authentication based on touch-typing biometrics. In New Trends in Image Analysis and Processing--ICIAP 2015 Workshops: ICIAP 2015 International Workshops, BioFor, CTMR, RHEUMA, ISCA, MADiMa, SBMI, and QoEM, Genoa, Italy, September 7-8, 2015, Proceedings 18 (pp. 27-34). Springer International Publishing.

Sitová, Z., Šeděnka, J., Yang, Q., Peng, G., Zhou, G., Gasti, P., & Balagani, K. S. (2015). HMOG: New behavioral biometric features for continuous authentication of smartphone users. IEEE Transactions on Information Forensics and Security, 11(5), 877-892.

Fridman, L., Weber, S., Greenstadt, R., & Kam, M. (2016). Active authentication on mobile devices via stylometry, application usage, web browsing, and GPS location. IEEE Systems Journal, 11(2), 513-521.

Ehatisham-ul-Haq, M., Azam, M. A., Loo, J., Shuang, K., Islam, S., Naeem, U., & Amin, Y. (2017). Authentication of smartphone users based on activity recognition and mobile sensing. Sensors, 17(9), 2043.

Anjomshoa, F., Aloqaily, M., Kantarci, B., Erol-Kantarci, M., & Schuckers, S. (2017). Social behaviometrics for personalized devices in the internet of things era. IEEE Access, 5, 12199-12213.

Mahbub, U., Komulainen, J., Ferreira, D., & Chellappa, R. (2019). Continuous authentication of smartphones based on application usage. IEEE Transactions on Biometrics, Behavior, and Identity Science, 1(3), 165-180.

Downloads

Published

2020-10-21