E-ISSN 2705-3954 | ISSN 0794-4756
 
2024, Vol: 31, Issue: 1
31 / 1Current Issue Online FirstArchiveAims and ScopeAbstracting & IndexingMost Accessed ArticlesMost Downloaded ArticlesMost Cited Articles

Original Research 


A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria

edward ofoegbu.


Abstract
E-banking fraud is a menace that plagues Nigeria on a national scale. People are left to their fates by the governments and banking institutions because they also have fallen victim of the nefarious activities of hackers. Two factor authentication (2FA) is the most popular method adopted today in Nigeria to prevent unauthorized access, however this method has continued to be exploited to the chagrin of all and sundry. This paper thus presents a security architecture utilizing biometrics for enhancing existing two factor authentication approaches. A hybrid system called the biometric password response authenticator (BPRA) was proposed to ensure user device authentication before one-time passwords (OTP) can be generated for concluding initiated transactions. The proposed system involves the use of OTP embedded QR code for OTP generation after user biometric validation. This method of approach to security will address the attack mode of hackers, where they physically steal user devices linked to e-banking channels. The system when implemented will aid in the reduction of the identified risk type discussed in the paper

Key words: Two Factor Authentication, Fraud, E-banking


 
ARTICLE TOOLS
Abstract
PDF Fulltext
How to cite this articleHow to cite this article
Citation Tools
Related Records
 Articles by edward ofoegbu
on Google
on Google Scholar

How to Cite this Article
Pubmed Style

ofoegbu e, . A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria. NJE. 2024; 31(1): 9-15.

Web Style

ofoegbu e, . A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria. https://www.njeabu.com.ng/?mno=120674 [Access: April 11, 2024].

AMA (American Medical Association) Style

ofoegbu e, . A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria. NJE. 2024; 31(1): 9-15.


Vancouver/ICMJE Style

ofoegbu e, . A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria. NJE. (2024), [cited April 11, 2024]; 31(1): 9-15.


Harvard Style

ofoegbu, e. & (2024) A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria. NJE, 31 (1), 9-15.


Turabian Style

ofoegbu, edward, and . 2024. A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria. Nigerian Journal of Engineering, 31 (1), 9-15.


Chicago Style

ofoegbu, edward, and . "A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria." Nigerian Journal of Engineering 31 (2024), 9-15.


MLA (The Modern Language Association) Style

ofoegbu, edward, and . "A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria." Nigerian Journal of Engineering 31.1 (2024), 9-15. Print.


APA (American Psychological Association) Style

ofoegbu, e. & (2024) A Two Factor Authentication Security Architecture Using Biometrics for E-Banking Fraud Mitigation in Nigeria. Nigerian Journal of Engineering, 31 (1), 9-15.


Author LoginReviewer LoginAbout PublisherEditorial Review PolicyPeer Review PolicyEditorial & Peer Review ProcessPlagiarism Policy

About Nigerian Journal of Engineering

Nigerian Journal of Engineering (NJE) is a publication of the Faculty of Engineering, Ahmadu Bello University, Zaria - Nigeria. NJE publishes origina ... Read more.



For best results, please use Internet Explorer or Google Chrome.

Contact Information

The Editor–in–Chief

Nigerian Journal of Engineering

Faculty of Engineering

Ahmadu Bello University

Samaru - Zaria Nigeria

E-mails:

nje@abu.edu.ng, njeabu@yahoo.com