Online Banking User Authentication Methods: A Systematic Literature Review Article Swipe
Nader Abdel Karim
,
Osama A. Khashan
,
Hasan Kanaker
,
Waleed K. Abdulraheem
,
Mohammad Alshinwan
,
Abedal-Kareem Al-Banna
·
YOU?
·
· 2023
· Open Access
·
· DOI: https://doi.org/10.1109/access.2023.3346045
YOU?
·
· 2023
· Open Access
·
· DOI: https://doi.org/10.1109/access.2023.3346045
Online banking has become increasingly popular in recent years, making it a target for cyberattacks. Banks have implemented various user authentication methods to protect their customers’ online accounts. This paper reviews the state-of-the-art user authentication methods used in online banking and potential cyber threats. This paper starts by exploring different user authentication methods, such as knowledge-based authentication (KBA), biometrics-based authentication (BBA), possession-based authentication (PBA), and other methods. The advantages and disadvantages of each user authentication method are then discussed. Furthermore, the paper discusses the various cyber threats that can compromise user authentication for online banking systems, such as malware attacks, social engineering, phishing attacks, man-in-the-middle (MiTM) attacks, denial of service (DoS) attacks, session hijacking, weak passwords, keyloggers, SQL injection, and replay attacks. Also, the paper explores the user authentication methods used by popular banks, which can provide insights into best practices for safeguarding online banking accounts and future user authentication methods in online banking and cyber threats. It states that the increasing use of BBA, two-factor authentication (2FA), and multi-factor authentication (MFA) will help improve the security of online banking systems. However, the paper also warns that new cyber challenges will emerge, and banks need to be vigilant in protecting their customers’ online banking accounts.
Related Topics
Concepts
Phishing
Computer security
Multi-factor authentication
Computer science
Chip Authentication Program
Authentication (law)
Challenge-Handshake Authentication Protocol
Authentication protocol
Email authentication
Password
Denial-of-service attack
Lightweight Extensible Authentication Protocol
Challenge–response authentication
Generic Bootstrapping Architecture
Session (web analytics)
Identity theft
Man-in-the-middle attack
Botnet
Mobile banking
Internet privacy
The Internet
World Wide Web
Metadata
- Type
- article
- Language
- en
- Landing Page
- https://doi.org/10.1109/access.2023.3346045
- https://ieeexplore.ieee.org/ielx7/6287639/6514899/10371293.pdf
- OA Status
- gold
- Cited By
- 23
- References
- 139
- Related Works
- 10
- OpenAlex ID
- https://openalex.org/W4390120028
All OpenAlex metadata
Raw OpenAlex JSON
- OpenAlex ID
-
https://openalex.org/W4390120028Canonical identifier for this work in OpenAlex
- DOI
-
https://doi.org/10.1109/access.2023.3346045Digital Object Identifier
- Title
-
Online Banking User Authentication Methods: A Systematic Literature ReviewWork title
- Type
-
articleOpenAlex work type
- Language
-
enPrimary language
- Publication year
-
2023Year of publication
- Publication date
-
2023-12-22Full publication date if available
- Authors
-
Nader Abdel Karim, Osama A. Khashan, Hasan Kanaker, Waleed K. Abdulraheem, Mohammad Alshinwan, Abedal-Kareem Al-BannaList of authors in order
- Landing page
-
https://doi.org/10.1109/access.2023.3346045Publisher landing page
- PDF URL
-
https://ieeexplore.ieee.org/ielx7/6287639/6514899/10371293.pdfDirect link to full text PDF
- Open access
-
YesWhether a free full text is available
- OA status
-
goldOpen access status per OpenAlex
- OA URL
-
https://ieeexplore.ieee.org/ielx7/6287639/6514899/10371293.pdfDirect OA link when available
- Concepts
-
Phishing, Computer security, Multi-factor authentication, Computer science, Chip Authentication Program, Authentication (law), Challenge-Handshake Authentication Protocol, Authentication protocol, Email authentication, Password, Denial-of-service attack, Lightweight Extensible Authentication Protocol, Challenge–response authentication, Generic Bootstrapping Architecture, Session (web analytics), Identity theft, Man-in-the-middle attack, Botnet, Mobile banking, Internet privacy, The Internet, World Wide WebTop concepts (fields/topics) attached by OpenAlex
- Cited by
-
23Total citation count in OpenAlex
- Citations by year (recent)
-
2025: 17, 2024: 6Per-year citation counts (last 5 years)
- References (count)
-
139Number of works referenced by this work
- Related works (count)
-
10Other works algorithmically related by OpenAlex
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