The Impact of Authentication on Self-Service and Web Banking

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ID Number: G00130234

This research is provided for historical perspective;
portions of this document may not reflect current conditions.

31 August 2005

Alistair Newton

News coverage of "phishing" and payment-card fraud has undermined public confidence in online banking and other remote channels. Banks must carefully consider how greater security responses will affect their customer self-service strategies.

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Table of Contents

Analysis

1.0

Overview

2.0

Focus of Report

3.0

Analysis

3.1

Authentication Threats

3.1.1		Customers Must Authenticate Themselves to Their Banks
3.1.2		Banks Must Authenticate Themselves to Their Customers
3.1.3		Customers Must Act to Protect Themselves

3.2

Impact of Increased Security on Self-Service Banking

3.2.1		Impact of Enhanced Security on Customer Behavior
3.2.2		Too Many IDs and Pass Codes Will Stifle Self-Service
3.2.3		Consistent Sign-On Encourages Self-Service Channel Use
3.2.4		Treat Customers in a Varying Manner

4.0

State of Technology

4.1

Customer Authentication Technology in Use Worldwide

4.2

Bank Authentication Technology

4.3

Technology for Consistent Customer Sign-On

4.3.1		Case Example
4.3.2		Proven Practices

5.0

Recommendations

Recommended Reading

Security Management
Web Self-Service
Online Banking
Authentication

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Resource Id: 484912