A Survey of Authentication and Communications Security in Online Banking

摘要

A survey was conducted to provide a state of the art of online banking authentication and communications security implementations. Between global regions the applied (single or multifactor) authentication schemes differ greatly, as well as the security of SSL/TLS implementations. Three phases for online banking development are identified. It is predicted that mobile banking will enter a third phase, characterized by the use of standard web technologies to develop mobile banking applications for different platforms. This has the potential to make mobile banking a target for attacks in a similar manner that home banking currently is.