Mobile Biometrics in Financial Services: A Five Factor Framework
Mobile Biometrics in Financial Services: A Five Factor Framework
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金融服务中的移动生物识别技术：五因素框架
DOI：
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发表时间：
2017
期刊：
影响因子：
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通讯作者：
Ivo Sluganovic
中科院分区：
文献类型：
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作者：
I. Martinovic;Marc Roeschlin;Ivo Sluganovic
银行和更广泛的金融服务部门正在见证通过数字渠道与他们互动的用户数量急剧增加。鉴于这些变化，传统的基于密码的机制正变得不安全、不方便或两者兼而有之，数字欺诈率的上升和用户报告对金融服务进行身份验证感到沮丧就是明证。生物识别技术是一种替代方案，它提供了潜在的可用性改进，同时保留或提高了安全保证。本文的动机是需要揭开金融服务用例生物识别系统部署的神秘面纱。本文基于两项独立的研究：（1）用户对采用生物特征认证进行在线支付用例的态度的纵向研究;以及（2）针对金融服务专业人士的意见调查。这些研究的结果是双重的。用户研究表明，用户（>90%）认为生物识别技术比密码更安全和方便，他们愿意采用生物识别技术来取代现有的基于密码的身份验证。尽管如此，行业调查强调了在部署生物识别系统的不同方面的经验和重要性方面的差距：只有36%的受访者熟悉生物识别技术，而88%的受访者将参与其部署。这些差距阻碍了生物识别技术的采用，因为它们妨碍了参与部署过程的不同实体之间的有效沟通和协作。在本文中，我们使用研究中收集的见解来确定有助于生物识别系统在金融服务中取得成功的五个关键因素。对于每个因素，我们结合学术界、行业组织和监管机构的观点，概述并讨论了部署前需要分析的主要挑战和趋势。五因素框架为金融服务中部署移动的生物识别技术提供了广泛的指导方针和必要的考虑因素。
Banks and the wider financial services sector are witnessing sharp increases in the number of users interacting with them through digital channels. In light of these changes, traditional password-based mechanisms are becoming insecure, inconvenient, or both, as evidenced by the rise of digital fraud rates and users who report frustration with authenticating to financial services. Biometrics are an alternative that offer potential usability improvements, while retaining or improving the security guarantees. This paper is motivated by the need for a demystification of the deployment of a biometric system for financial services use cases. This paper is based on two separate studies: (1) a longitudinal study of users’ attitudes towards the adoption of biometric authentication for online payment use cases; and (2) an opinion survey of a targeted group of financial services professionals. The findings of these studies are two-fold. The user study shows that users (>90%) believe biometrics are more secure and convenient than passwords, and that they are willing to adopt biometrics to replace existing password-based authentication. Nonetheless, the industry survey highlights gaps in experience and importance on different aspects of deploying biometric systems: only 36% of respondents are familiar with biometrics, compared to 88% of them that would be involved in their deployment. These gaps inhibit adoption of biometrics, as they prevent effective communication and collaboration among different entities involved in the process of deployment. In this paper, we use the insights gathered in the studies to identify five key factors that contribute to the success of a biometric system in financial services. For each factor, we outline and discuss the main challenges and trends that need to be analysed before deployment, combining perspectives from academia, industry groups, and regulators. The Five Factor Framework provides a broad range of guidelines and necessary considerations for the deployment of mobile biometrics in financial services.