Multiple biometric authentication for online banking system based on multiple fuzzy approach.

Area of Science:

• Cybersecurity
• Biometrics
• Artificial Intelligence

Background:

• Online banking adoption is rising, increasing the need for robust customer identity verification.
• Traditional authentication methods (PINs, passwords) are vulnerable and insufficient, especially post-COVID-19.
• Voice biometrics offer a secure, user-friendly alternative for contactless verification.

Purpose of the Study:

• To propose an advanced authentication approach for Malaysian online banking.
• To integrate keystroke dynamics and voice biometrics into a multi-factor authentication (MFA) framework.
• To enhance digital security and user experience in online banking.

Main Methods:

• Developing a multi-factor authentication (MFA) system.
• Integrating voice biometrics and keystroke dynamics.
• Utilizing artificial intelligence (AI) and fuzzy logic for advanced security.

Main Results:

• The proposed system aims for heightened security in online banking.
• The integration seeks to provide a smoother, more user-friendly authentication process.
• The study focuses on improving fraud protection for digital financial services.

Conclusions:

• The advanced authentication approach offers a safer digital environment for Malaysian online banking users.
• Combining biometrics and AI-driven methods can overcome limitations of traditional authentication.
• This research contributes to more secure and convenient online banking solutions.