The main purpose of this paper is to propose a heuristic model for usable and secure online banking. The model is based on identified heuristics that contribute to the design of usable security in the context of online banking security. Little research has focused on the balance between usability and security in online banking authentication mechanisms when evaluating the effectiveness of security systems. Nielsen’s ten usability principles are still important in designing usable secure systems, as indicated by the analysis of heuristics developed from recent studies. Online banking users are vulnerable to numerous old and new online security threats that target this group of users. An investigation into the usability of aspects of security design can benefit both online bankers and users in fostering a secure and usable banking environment. In this paper, we report on a work in progress that intends to develop a heuristic model for usable online banking security design. Going forward we intend to refine the model by collecting survey data from online banking users in South Africa and interviews with bank security personnel.
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