Enhancing Security in Digital Wallets Using Multi-Factor Authentication and Behavioral Biometrics
DOI:
https://doi.org/10.56472/ICCSAIML25-162Keywords:
Digital Wallet Security, Multi-Factor Authentication (MFA), Behavioral Biometrics, Continuous Authentication, Cybersecurity, Mobile Wallets, Authentication Technologies, Fraud Prevention, Secure TransactionsAbstract
Digital wallets have become a cornerstone of the modern financial ecosystem, providing users with a convenient and efficient means of conducting transactions. However, as digital wallets store sensitive personal and financial information, they are prime targets for cyberattacks and fraud. Traditional security measures, such as passwords and PINs, are no longer sufficient to prevent unauthorized access. This paper explores the potential of Multi-Factor Authentication (MFA) and Behavioral Biometrics in enhancing the security of digital wallets. MFA, which requires users to provide multiple forms of verification, offers an added layer of protection against unauthorized access. Behavioral Biometrics, which analyzes patterns in user behavior (e.g., keystroke dynamics, touch patterns), provides continuous authentication, further strengthening security. By integrating these two technologies, digital wallets can offer a more secure, user-friendly alternative to traditional authentication methods. The paper also addresses the challenges and privacy concerns associated with these technologies and explores future trends in digital wallet security
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