Integration of Iris Biometrics in Automated Teller Machines for Enhanced User Authentication

The ubiquitous Automatic Teller Machine that revolutionized the way monetary transactions are carried out the world over is currently riddled with several security challenges. Top on the list of these challenges are the thefts and frauds associated with the ever popular Personal Identification Number based automatic teller machines. A lot of suggestions and proposals have been made in recent times, on how to combat the menace of automatic teller machine frauds. Biometrics is one of the most promising tools that have the capacity to put the nefarious activities around automatic teller machines in check. This paper proposes a cheap and economic iris biometric based automatic teller machine, built around a microcontroller, iris scanner and a robust database. The designed and implemented prototype is capable of checkmating automatic teller machine fraud and it is also easy to implement in developing nations

Biometric Enabled E-Banking in Nigeria: Management and Customers’ Perspectives

The adoption of biometric technology is rapidly increasing around the globe due to the increasing sensitivity of security issues. With the recent 2015-plan and collaborations of the Central Bank of Nigeria to incorporate biometrics into her banking system, it is imperative to assess the perception of the managers and customers to the use of the long-awaited biometrics for secure, seamless and successful transactions. The banking sector touches the daily lives of at least 60% of the over 150-million Nigerian population and it is expected to increase as more security measures are put in place. Therefore, this empirical evaluation captures the factors influencing the perception of the bank management and ATM users. A total of 740 respondents participated in the survey cutting across different age groups and educational backgrounds. Descriptive statistics and T-test analysis of the survey showed that management and customers of strongly support the adoption of biometric ATM in Nigeria

Biometric Enabled E-Banking in Nigeria: Management and Customers’ Perspectives

The adoption of biometric technology is rapidly increasing around the globe due to the increasing sensitivity of security issues. With the recent 2015-plan and collaborations of the Central Bank of Nigeria to incorporate biometrics into her banking system, it is imperative to assess the perception of the managers and customers to the use of the long-awaited biometrics for secure, seamless and successful transactions.  The banking sector touches the daily lives of at least 60% of the over 150-million Nigerian population and it is expected to increase as more security measures are put in place.  Therefore, this empirical evaluation captures the factors influencing the perception of the bank management and ATM users. A total of 740 respondents participated in the survey cutting across different age groups and educational backgrounds. Descriptive statistics and T-test analysis of the survey showed that management and customers of strongly support the adoption of biometric ATM in Nigeria. Keywords: E-Banking, Biometric, ATM,  Security

ATM & Biometric Solutions: A Case Study

The paper highlights security features for biometric systems along with application specific to a bank in Pakistan. Further, a comprehensive view of retinal scanning and application within the Internet of Things (IoT) paradigm is discussed. Of the various forms of scanning techniques, fingerprint, iris, and facial have been selected as a security measure. However, the application of retinal scans for security within ATMs in Pakistan is novel. Retinal scans face many issues such as external pressures that can make the implementation of retinal scans difficult, proper technological advancements for implementing of retinal scans, costing and whether it will serve as a barrier and whether the overall concept of implementing retinal scans is a workable idea or not. The sample taken was of 80 close ended questionnaires filled along with 4 focus group discussions. The questions related to technology, economics and situational awareness concepts. The concept of automated houses and the use of objects with artificial intelligence were of special interest. It is shown that  external factors especially cost and technological limitations prohibit widespread adoption of biometric based retinal scans and implications for overall privacy and security that is present

A study of biometric authentication adoption in the credit union industry

Society has become more dependent on technology for identification purposes because the intimacy of a simple face to face acknowledgment of a person\u27s identity has become a thing of the past. The purpose of this study is to understand the factors that influence the intent to adopt biometric authentication in organizations using the theory of adoption and diffusion of innovations. Using external pressure, readiness and perceived benefits, the research model measures the level of contribution that these factors make to the adoption of biometric authentication in the credit union financial services. Within the three main factors, the sub-factors that contribute to the model are competitive pressure, consumer pressure, regulatory pressure, innovativeness, top management support, consumer readiness, financial resources, and perceived benefits. Based on the sub-factors, the results indicate that the intent to adopt is driven by competitiveness and finances and not by the perceived benefits within the credit union industry

Towards Implementing An Efficient Biometric Authentication Framework For Nigeria Customer Banking Systems

With the rapidly increasing number of break-in reports on traditional Personal Identification Number (PIN) and password security systems, there is a high demand for greater security for access to sensitive or personal information in the Nigerian Banking System. This paper reviews the current practices in Nigeria’s customer banking services; reveals the results of a survey and suggests a more efficient biometric framework for a more secured Nigeria Customer Banking System. Customer banking, which includes a wide spectrum of banking services, must be carried out with proper authentication to ensure not only the security of transactions, customers’ information and funds, but also the protection of the Banks’ global image and brand. It is clear that Information Security and Information Management tend to interrelate in innovative systems thereby triggering the need for sustainability. The uses of traditional forms of authentication such as signatures, Identity cards and PIN have not adequately met this security need. In recent times, biometric technologies have been typically used to analyze human characteristics for security purposes as biometric-based authentication serves as a solidified form of authentication for real-time security processes

A Review of Voice-Base Person Identification: State-of-the-Art

Automated person identification and authentication systems are useful for national security, integrity of electoral processes, prevention of cybercrimes and many access control applications. This is a critical component of information and communication technology which is central to national development. The use of biometrics systems in identification is fast replacing traditional methods such as use of names, personal identification numbers codes, password, etc., since nature bestow individuals with distinct personal imprints and signatures. Different measures have been put in place for person identification, ranging from face, to fingerprint and so on. This paper highlights the key approaches and schemes developed in the last five decades for voice-based person identification systems. Voice-base recognition system has gained interest due to its non-intrusive technique of data acquisition and its increasing method of continually studying and adapting to the person’s changes. Information on the benefits and challenges of various biometric systems are also presented in this paper. The present and prominent voice-based recognition methods are discussed. It was observed that these systems application areas have covered intelligent monitoring, surveillance, population management, election forensics, immigration and border control

AN ENHANCED VOTERS REGISTRATION AND AUTHENTICATION APPLICATION USING IRIS RECOGNITION TECHNOLOGY

The use of fingerprints in a voting system for registration and authentication application has its limitations. Among these limitations are mismatches caused by disparity in fingerprint trait and templates of voters taken at the point of registration and at the point of authentication (voter’s accreditation). Manual labour, aging, variations in user interaction (i.e. pressure on the scanner), environmental changes and injuries are a few of the factors that can cause these disparities. The iris is more resistant to these factors that cause disparity in biometrics. In this designed model, the iris was used in place of fingerprints as the biometric measure to register and authenticate voters. An iris scanner obtains the voter’s iris image, segments and digitizes it. The digitized iris image of the voter is used as a training data and stored in the template. This template is stored together with the voter’s particulars in a database. An algorithm design using the C# (C sharp) language issues a PIN for the voter’s authentication. At the point of authentication, the PIN of the voter is keyed in. The iris scanner obtains the voter’s iris image, generates a template of the iris and with the aid of the system’s embedded algorithm, compares the details of the voter’s pin and iris trait with the one in the database for a match. A match grants the voter the pass to vote. A mismatch denies the voter access to the voting system. This implemented Iris Recognition Technology drastically reduces the chances of mismatches for genuine voters and denies imposters in the voting system due to its reliability and robustness as revealed by the tests carried out on the designed model

Future Effects and Impacts of Biometrics Integrations on Everyday Living

Identification and access have been a concept that has evolved over time as the need to constantly identify people and grant them access to sensitive and classified data and information became very important. The effect is felt in most organizations, especially multinational companies that deal in highly classified research that has to do with pharmaceuticals, technology, power as well as the human biology coupled with security. The most common form of implementation of biometrics is facial recognition, fingerprints, iris recognition, a retina scanner, and voice recognition into so many applications and scenarios. The integration of this biometrics has had a rising effect and impact of everyday life and has practically changed some daily routines. This paper will examine future integrations of biometrics and it will in time affect everyday life and routine