DOI: 10.58694/10.58694/1782
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Development of a secure multi-factor authentication algorithm for mobile money applications

Abstract: With the evolution of industry 4.0, financial technologies have become paramount and mobile money as one of the financial technologies has immensely contributed to improving financial inclusion among the unbanked population. Several mobile money schemes were developed but, they suffered severe authentication security challenges since they implemented two-factor authentication. This study focused on developing a secure multi-factor authentication (MFA) algorithm for mobile money applications. It uses personal i… Show more

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