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1.
User experience with security elements in internet and mobile banking
Aleksandra Svilar, Jože Zupančič, 2016, original scientific article

Abstract: Background/Purpose: Maintaining a balance between security and a positive user experience in mobile and Internet banking is becoming increasingly difficult for the providers of banking services. The goal of our research is to analyse user opinions about the current situation: how users perceive security and how the authentication methods they are using affect user experience. Methodology: Data were collected using an online survey among the users of 15 banks operating in Slovenia, and statistical methods were applied to analyse them. Results of the users’ study were evaluated and commented by a limited number of interviewed banking security experts. Results: The results indicate that the use of mobile banking in Slovenia is relatively low, as only 30 percent of respondents use mobile banking along with Internet banking. Slovenian users perceive security to be the most important factor in mobile and online banking, closely followed by reliability. We also verified whether the users knew which authentication methods they were using: 69% of respondents selected the correct authentication method. The opinion of 88% of respondents was that authentication methods do not limit them when using mobile and Internet banking. Results of the study of user’s opinions did not surprise the experts, although experts’ views about the balance between security and usability diverged considerably. Conclusion: Our results indicate that, in Slovenia, users of the Internet and mobile banking services regard security to be the most important element in mobile or Internet banking and find user experience less important while they absolutely do want products that are easy to use.
Keywords: internet banking, mobile banking, security, user experience
Published: 04.04.2017; Views: 1051; Downloads: 306
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2.
Improvement of the Peyravian-Jeffries`s user authentication protocol and password change protocol
Marko Hölbl, Tatjana Welzer-Družovec, Boštjan Brumen, 2008, original scientific article

Abstract: Remote authentication of users supported by passwords is a broadly adopted method of authentication within insecure network environments. Such protocols typically rely on pre-established secure cryptographic keys or public key infrastructure. Recently, Peyravian and Jeffries [M. Peyravian, C. Jeffries, Secure remote user access over insecure networks, Computer Communications 29 (5-6) (2006) 660-667] proposed a protocol for secure remote user access over insecure networks. Shortly after the protocol was published Shim [K.A. Shim, Security flaws of remote user access over insecure networks, Computer Communications 30 (1) (2006) 117-121] and Munilla et al. [J. Munilla, A. Peinado, Off-line password-guessing attack to Peyravian-Jeffries`s remote user authentication protocol, Computer Communications 30 (1) (2006) 52-54] independently presented an off-line guessing attack on the protocol. Based on their findings we present an improved secure password-based protocol for remote user authentication, password change, and session key establishment over insecure networks, which is immune against the attack.
Keywords: networks, user authentication, remote user access, password-based protocol, security
Published: 31.05.2012; Views: 1401; Downloads: 65
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