Purpose – The purpose of this paper was to determine factors that could be used to create different authentication requirements for diverse online banking customers based on their risk profile. Online security remains a challenge to ensure safe transacting on the Internet. User authentication, a human-centric process, is regarded as the basis of computer security and hence secure access to online banking services. The increased use of technology to enforce additional actions has the ability to improve the quality of authentication and hence online security, but often at the expense of usability. The objective of this study was to determine factors that could be used to create different authentication requirements for diverse online banking customers based on their risk profile. Design/methodology/approach – A web-based survey was designed to determine online consumers’ competence resecure online behaviour, and this was used to quantify the online behaviour as more or less secure. The browsers used by cons...
['Martin Butler', 'Rika Butler']
Investigating the possibility to use differentiated authentication based on risk profiling to secure online banking