Abstract:one who has the credentials irrespective of the knowledge of the authenticity of the authentic user. Adopting a mixture and layers of different types of authentication methods can protect the system better from unauthorized users. Some of the most common second factor authentication methods adopted by financial institutions like banks are use of PIN sentry, memorable word, and OTP (One Time Password) [2-5]. Financial organizations like Barclays even uses second or third factor authentication depending on the o… Show more
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