Critical success factors for preventing E-banking fraud

E-Banking fraud is an issue being experienced globally and is continuing to prove costly to both banks and customers. Frauds in e-banking services occur as a result of various compromises in security ranging from weak authentication systems to insufficient internal controls. Lack of research in this area is problematic for practitioners so there is need to conduct research to help improve security and prevent stakeholders from losing confidence in the system. The purpose of this paper is to understand factors that could be critical in strengthening fraud prevention systems in electronic banking. The paper reviews relevant literatures to help identify potential critical success factors of frauds prevention in e-banking. Our findings show that beyond technology, there are other factors that need to be considered such as internal controls, customer education and staff education etc. These findings will help assist banks and regulators with information on specific areas that should be addressed to build on their existing fraud prevention systems

Authentication of Students and Students’ Work in E-Learning : Report for the Development Bid of Academic Year 2010/11

Global e-learning market is projected to reach $107.3 billion by 2015 according to a new report by The Global Industry Analyst (Analyst 2010). The popularity and growth of the online programmes within the School of Computer Science obviously is in line with this projection. However, also on the rise are students’ dishonesty and cheating in the open and virtual environment of e-learning courses (Shepherd 2008). Institutions offering e-learning programmes are facing the challenges of deterring and detecting these misbehaviours by introducing security mechanisms to the current e-learning platforms. In particular, authenticating that a registered student indeed takes an online assessment, e.g., an exam or a coursework, is essential for the institutions to give the credit to the correct candidate. Authenticating a student is to ensure that a student is indeed who he says he is. Authenticating a student’s work goes one step further to ensure that an authenticated student indeed does the submitted work himself. This report is to investigate and compare current possible techniques and solutions for authenticating distance learning student and/or their work remotely for the elearning programmes. The report also aims to recommend some solutions that fit with UH StudyNet platform.Submitted Versio

Conceivable security risks and authentication techniques for smart devices

With the rapidly escalating use of smart devices and fraudulent transaction of users’ data from their devices, efficient and reliable techniques for authentication of the smart devices have become an obligatory issue. This paper reviews the security risks for mobile devices and studies several authentication techniques available for smart devices. The results from field studies enable a comparative evaluation of user-preferred authentication mechanisms and their opinions about reliability, biometric authentication and visual authentication techniques

Data security in European healthcare information systems

This thesis considers the current requirements for data security in European healthcare systems and establishments. Information technology is being increasingly used in all areas of healthcare operation, from administration to direct care delivery, with a resulting dependence upon it by healthcare staff. Systems routinely store and communicate a wide variety of potentially sensitive data, much of which may also be critical to patient safety. There is consequently a significant requirement for protection in many cases. The thesis presents an assessment of healthcare security requirements at the European level, with a critical examination of how the issue has been addressed to date in operational systems. It is recognised that many systems were originally implemented without security needs being properly addressed, with a consequence that protection is often weak and inconsistent between establishments. The overall aim of the research has been to determine appropriate means by which security may be added or enhanced in these cases. The realisation of this objective has included the development of a common baseline standard for security in healthcare systems and environments. The underlying guidelines in this approach cover all of the principal protection issues, from physical and environmental measures to logical system access controls. Further to this, the work has encompassed the development of a new protection methodology by which establishments may determine their additional security requirements (by classifying aspects of their systems, environments and data). Both the guidelines and the methodology represent work submitted to the Commission of European Communities SEISMED (Secure Environment for Information Systems in MEDicine) project, with which the research programme was closely linked. The thesis also establishes that healthcare systems can present significant targets for both internal and external abuse, highlighting a requirement for improved logical controls. However, it is also shown that the issues of easy integration and convenience are of paramount importance if security is to be accepted and viable in practice. Unfortunately, many traditional methods do not offer these advantages, necessitating the need for a different approach. To this end, the conceptual design for a new intrusion monitoring system was developed, combining the key aspects of authentication and auditing into an advanced framework for real-time user supervision. A principal feature of the approach is the use of behaviour profiles, against which user activities may be continuously compared to determine potential system intrusions and anomalous events. The effectiveness of real-time monitoring was evaluated in an experimental study of keystroke analysis -a behavioural biometric technique that allows an assessment of user identity from their typing style. This technique was found to have significant potential for discriminating between impostors and legitimate users and was subsequently incorporated into a fully functional security system, which demonstrated further aspects of the conceptual design and showed how transparent supervision could be realised in practice. The thesis also examines how the intrusion monitoring concept may be integrated into a wider security architecture, allowing more comprehensive protection within both the local healthcare establishment and between remote domains.Commission of European Communities SEISMED proje

Passphrase and keystroke dynamics authentication: security and usability

It was found that employees spend a total 2.25 days within a 60 day period on password related activities. Another study found that over 85 days an average user will create 25 accounts with an average of 6.5 unique passwords. These numbers are expected to increase over time as more systems become available. In addition, the use of 6.5 unique passwords highlight that passwords are being reused which creates security concerns as multiple systems will be accessible by an unauthorised party if one of these passwords is leaked. Current user authentication solutions either increase security or usability. When security increases, usability decreases, or vice versa. To add to this, stringent security protocols encourage unsecure behaviours by the user such as writing the password down on a piece of paper to remember it. It was found that passphrases require less cognitive effort than passwords and because passphrases are stronger than passwords, they don’t need to be changed as frequently as passwords. This study aimed to assess a two-tier user authentication solution that increases security and usability. The proposed solution uses passphrases in conjunction with keystroke dynamics to address this research problem. The design science research approach was used to guide this study. The study’s theoretical foundation includes three theories. The Shannon entropy formula was used to calculate the strength of passwords, passphrases and keystroke dynamics. The chunking theory assisted in assessing password and passphrase memorisation issues and the keystroke-level model was used to assess password and passphrase typing issues. Two primary data collection methods were used to evaluate the findings and to ensure that gaps in the research were filled. A login assessment experiment collected data on user authentication and user-system interaction for passwords and passphrases. Plus, an expert review was conducted to verify findings and assess the research artefact in the form of a model. The model can be used to assist with the implementation of a two-tier user authentication solution which involves passphrases and keystroke dynamics. There are a number of components that need to be considered to realise the benefits of this solution and ensure successful implementation

Using Keystroke Dynamics and Location Verification Method for Mobile Banking Authentication.

With the rise of security attacks on mobile phones, traditional methods to authentication such as Personal Identification Numbers (PIN) and Passwords are becoming ineffective due to their limitations such as being easily forgettable, discloser, lost or stolen. Keystroke dynamics is a form of behavioral biometric based authentication where an analysis of how users type is monitored and used in authenticating users into a system. The use of location data provides a verification mechanism based on user’s location which can be obtained via their phones Global Positioning System (GPS) facility. This study evaluated existing authentication methods and their performance summarized. To address the limitations of traditional authentication methods this paper proposed an alternative authentication method that uses Keystroke dynamics and location data. To evaluate the proposed authentication method experiments were done through use of a prototype android mobile banking application that captured the typing behavior while logging in and location data from 60 users. The experiment results were lower compared to the previous studies provided in this paper with a False Rejection Rate (FRR) of 5.33% which is the percentage of access attempts by legitimate users that have been rejected by the system and a False Acceptance Rate (FAR) of 3.33% which is the percentage of access attempts by imposters that have been accepted by the system incorrectly, giving an Equal Error Rate (EER) of 4.3%.The outcome of this study demonstrated keystroke dynamics and location verification on PINs as an alternative authentication of mobile banking transactions building on current smartphones features with less implementation costs with no additional hardware compared to other biometric methods. Keywords: smartphones, biometric, mobile banking, keystroke dynamics, location verification, securit

An Evaluation Methodology Applied to Trust-Based Adapted Systems for e-Assessment: Connecting Responsible Research and Innovation with a Human-Centred Design Approach

This chapter describes a novel evaluation methodology designed, deployed and refined during the development of the EU-funded TeSLA system which was produced to check student authentication and authorship. This methodology was underpinned by a Responsible Research and Innovation approach combined with human-centred design. Participants were 4,058 students, which included 330 with special needs, together with 54 teaching staff and 21 institutional members from seven universities who completed consultation, focus groups, questionnaires and interviews. The findings suggest that the evaluation methodology was able to identify a broadly positive acceptance of and trust in e-authentication for online assessments by both women and men, with neither group finding the e-authentication tools to be either particularly onerous or stressful. The methodology facilitated the development of a framework with five features related to “trust”: 1. The system will not fail, 2. be compromised, 3. data will be kept safely and privately, 4. the system will not affect students’ performance and 5. the system will ensure fairness