Experimental Case Studies for Investigating E-Banking Phishing Techniques and Attack Strategies

Phishing is a form of electronic identity theft in which a combination of social engineering and web site spoofing techniques are used to trick a user into revealing confidential information with economic value. The problem of social engineering attack is that there is no single solution to eliminate it completely, since it deals largely with the human factor. This is why implementing empirical experiments is very crucial in order to study and to analyze all malicious and deceiving phishing website attack techniques and strategies. In this paper, three different kinds of phishing experiment case studies have been conducted to shed some light into social engineering attacks, such as phone phishing and phishing website attacks for designing effective countermeasures and analyzing the efficiency of performing security awareness about phishing threats. Results and reactions to our experiments show the importance of conducting phishing training awareness for all users and doubling our efforts in developing phishing prevention techniques. Results also suggest that traditional standard security phishing factor indicators are not always effective for detecting phishing websites, and alternative intelligent phishing detection approaches are needed

A Study into the Usability and Security Implications of Text and Image Based Challenge Questions in the Context of Online Examination

Open Access This article is distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution, and reproduction in any medium, provided you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license, and indicate if changes were made.Online examinations are an integral component of online learning environments and research studies have identified academic dishonesty as a critical threat to the credibility of such examinations. Academic dishonesty exists in many forms. Collusion is seen as a major security threat, wherein a student invites a third party for help or to impersonate him or her in an online examination. This work aims to investigate the authentication of students using text-based and image-based challenge questions. The study reported in this paper involved 70 online participants from nine countries completing a five week online course and simulating an abuse case scenario. The results of a usability analysis suggested that i) image-based questions are more usable than text-based questions (p < 0.01) and ii) using a more flexible data entry method increased the usability of text-based questions (p < 0.01). An impersonation abuse scenario was simulated to test the influence of sharing with different database sizes. The findings revealed that iii) an increase in the number of questions shared for impersonation increased the success of an impersonation attack and the results showed a significant linear trend (p < 0.01). However, the number of correct answers decreased when the attacker had to memorize and answer the questions in an invigilated online examination or their response to questions was timed. The study also revealed that iv) an increase in the size of challenge question database decreased the success of an impersonation attack (p < 0.01).Peer reviewe

Strengthening e-banking security using keystroke dynamics

This paper investigates keystroke dynamics and its possible use as a tool to prevent or detect fraud in the banking industry. Given that banks are constantly on the lookout for improved methods to address the menace of fraud, the paper sets out to review keystroke dynamics, its advantages, disadvantages and potential for improving the security of e-banking systems. This paper evaluates keystroke dynamics suitability of use for enhancing security in the banking sector. Results from the literature review found that keystroke dynamics can offer impressive accuracy rates for user identification. Low costs of deployment and minimal change to users modus operandi make this technology an attractive investment for banks. The paper goes on to argue that although this behavioural biometric may not be suitable as a primary method of authentication, it can be used as a secondary or tertiary method to complement existing authentication systems

StoryDroid: Automated Generation of Storyboard for Android Apps

Mobile apps are now ubiquitous. Before developing a new app, the development team usually endeavors painstaking efforts to review many existing apps with similar purposes. The review process is crucial in the sense that it reduces market risks and provides inspiration for app development. However, manual exploration of hundreds of existing apps by different roles (e.g., product manager, UI/UX designer, developer) in a development team can be ineffective. For example, it is difficult to completely explore all the functionalities of the app in a short period of time. Inspired by the conception of storyboard in movie production, we propose a system, StoryDroid, to automatically generate the storyboard for Android apps, and assist different roles to review apps efficiently. Specifically, StoryDroid extracts the activity transition graph and leverages static analysis techniques to render UI pages to visualize the storyboard with the rendered pages. The mapping relations between UI pages and the corresponding implementation code (e.g., layout code, activity code, and method hierarchy) are also provided to users. Our comprehensive experiments unveil that StoryDroid is effective and indeed useful to assist app development. The outputs of StoryDroid enable several potential applications, such as the recommendation of UI design and layout code

Privacy and Usability of Image and Text Based Challenge Questions Authentication in Online Examination

In many online examinations, physical invigilation is often replaced with traditional authentication approaches for student identification. Secure and usable authentication approaches are important for high stake online examinations. A Profile Based Authentication Framework (PBAF) was developed and implemented in a real online learning course embedded with summative online examination. Based on users’ experience of using the PBAF in an online course, online questionnaires were used to collect participants' feedback on effectiveness, layout and appearance, user satisfaction, distraction and privacy concerns. Based on overall findings of the quantitative analysis, there was a positive feedback on the use of a hybrid approach utilizing image and text based challenge questions for better usability. However, the number of questions presented during learning and examination processes were reported to be too many and caused distraction. Participants expressed a degree of concern on sharing personal and academic information with little or no privacy concern on using favorite question

Trends in Banking 2017 and onwards

The changing nature of the relationship between a retail bank and its customers is examined, particularly with respect to new financial concepts, debt and regulation. The traditional image of a bank is portrayed as a physical building a classical Doric portico. This image conveys concepts of service, soundness, strength, stability and security ("five-S"). That "five-S" concept is changing, and the evidence for changes that affect customers directly is considered. A fundamental legal problem associated with those changes is highlighted: a bank is no longer solely responsible for the safeguard of customer monies. A solution to this problem is proposed: banks should be jointly liable with perpetrators of criminal activity in the event of frauds as an encouragement to recognise and mitigate fraud.Comment: Proceedings 29th SASE Conference, Lyon France, June-July 201

Command & Control: Understanding, Denying and Detecting - A review of malware C2 techniques, detection and defences

In this survey, we first briefly review the current state of cyber attacks, highlighting significant recent changes in how and why such attacks are performed. We then investigate the mechanics of malware command and control (C2) establishment: we provide a comprehensive review of the techniques used by attackers to set up such a channel and to hide its presence from the attacked parties and the security tools they use. We then switch to the defensive side of the problem, and review approaches that have been proposed for the detection and disruption of C2 channels. We also map such techniques to widely-adopted security controls, emphasizing gaps or limitations (and success stories) in current best practices.Comment: Work commissioned by CPNI, available at c2report.org. 38 pages. Listing abstract compressed from version appearing in repor

The Value of User-Visible Internet Cryptography

Cryptographic mechanisms are used in a wide range of applications, including email clients, web browsers, document and asset management systems, where typical users are not cryptography experts. A number of empirical studies have demonstrated that explicit, user-visible cryptographic mechanisms are not widely used by non-expert users, and as a result arguments have been made that cryptographic mechanisms need to be better hidden or embedded in end-user processes and tools. Other mechanisms, such as HTTPS, have cryptography built-in and only become visible to the user when a dialogue appears due to a (potential) problem. This paper surveys deployed and potential technologies in use, examines the social and legal context of broad classes of users, and from there, assesses the value and issues for those users