Status : Verified
| Personal Name | Bascones, Eduard S. |
|---|---|
| Resource Title | Assessing the user adoption and security of biometric authentication for digital banking transactions in the Philippines |
| Date Issued | 11 April 2025 |
| Abstract | Biometric authentication in digital banking transactions in the Philippines continues to increase in popularity and traction due to its security and convenience, which address the issues associated with traditional authentication methods such as passwords, PINs, and OTPs. This study assesses user adoption and the security of biometric authentication in digital banking, with a focus on user perspectives and preferences, as well as key factors influencing adoption, such as existing gaps, barriers, and challenges. The approach used in this study is mixed-methods research, combining quantitative and qualitative research methods to ensure a thorough analysis by integrating numerical data from a research survey with an open-ended question, as well as expert insights gathered through interviews. The research survey uses the Technology Acceptance Model (TAM) to assess the users’ perceptions of ease of use, perceived usefulness, attitude toward use, and behavioral intention to use. In addition, an open-ended question in the survey allows respondents to share insights and feedback. The qualitative research contains interviews with data privacy experts and a digital banking user to better understand their perspectives and insights on biometric authentication in digital banking transactions. The findings reveal that security, ease of use, and trust are the key drivers of biometric authentication adoption in digital banking, while privacy concerns, technological limitations, and regulatory challenges are key barriers. Most respondents find biometric authentication secure, convenient, easy to use, and can enhance the overall security of their digital banking transactions. However, despite owning devices with biometric authentication, some users still prefer traditional authentication methods such as passwords, PINs, and OTPs. This hesitation is related to data privacy concerns, as well as the accuracy and reliability of this technology in digital banking transactions. |
| Degree Course | Master of Technology Management |
| Language | English |
| Keyword | Digital banking; Biometric authentication; Technology Acceptance Model |
| Material Type | Thesis/Dissertation |
Preliminary Pages
43.49 Kb
Category : C - Confidential information of a third-party is embedded.
Access Permission : Limited Access