1. A Survey of Authentication and Communications Security in Online Banking
- Author
-
Sven Kiljan, D. De Cock, Koen Simoens, Harald Vranken, Marko van Eekelen, Academic Field Technology, Department Computer Science, and RS-Research Line Resilience (part of LIRS program)
- Subjects
TECHNOLOGY ACCEPTANCE MODEL ,General Computer Science ,Computer science ,02 engineering and technology ,Computer security ,computer.software_genre ,Communications security ,Theoretical Computer Science ,WWW security ,multifactor authentication ,020204 information systems ,SMS banking ,0202 electrical engineering, electronic engineering, information engineering ,mobile banking ,Implementation ,Authentication ,Mobile banking ,Multi-factor authentication ,Chip Authentication Program ,Online banking ,mobile security ,FRAUD ,Security ,authentication ,020201 artificial intelligence & image processing ,Technology acceptance model ,Digital Security ,computer ,communications security ,INTERNET BANKING - Abstract
A survey was conducted to provide a state of the art of online banking authentication and communications security implementations. Between global regions the applied (single or multifactor) authentication schemes differ greatly, as well as the security of SSL/TLS implementations. Three phases for online banking development are identified. It is predicted that mobile banking will enter a third phase, characterized by the use of standard web technologies to develop mobile banking applications for different platforms. This has the potential to make mobile banking a target for attacks in a similar manner that home banking currently is.
- Published
- 2017