Behavioral Biometrics in Mobile Banking and Payment Applications

Piotr Kałużny


This paper presents an overview on the possible use of behavioral biometrics methods in mobile banking and payment applications. As mobile applications became more common, more and more users conduct payments using their smartphones. While requiring secure services, the customers often do not lock their devices and expose them to potential misuse and theft. Banks and financial institutions apply multiple anti-fraud and authentication systems - but to ensure the required usability, they must develop new ways to authenticate their users and authorize transactions. Answer to this problem comes with a family of behavioral biometric methods which can be utilized to secure those applications without hindering the usability. The goal of this paper is to describe potential areas in which behavioral biometrics can be used to ensure more secure mobile payments, increase usability and prevent frauds.
Author Piotr Kałużny (WIiGE / KIE)
Piotr Kałużny,,
- Department of Information Systems
Publication size in sheets0.6
Book Abramowicz Witold, Paschke Adrian (eds.): BIS 2018 International Workshops, Berlin, Germany, July 18–20, 2018, Revised Papers, Lecture Notes in Business Information Processing, vol. 339, 2019, Springer, ISBN 978-3-030-04848-8, [978-3-030-04849-5], 708 p., DOI:10.1007/978-3-030-04849-5
Keywords in PolishBiometria behawioralna, uwierzytelnianie, profilowanie behawioralne, bankowość, aplikacje mobilne, bezpieczeństwo
Keywords in EnglishBehavioral biometrics, Authentication, Behavioral profiling, Banking, Mobile applications, Security
Languageen angielski
Score (nominal)70
Score sourceconferenceList
ScoreMinisterial score = 70.0, 24-03-2020, ChapterFromConference
Publication indicators Scopus Citations = 0
Citation count*1 (2020-09-14)
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