Enhanced Biometric Authentication System for Efficient and Reliable e-Payment System in Nigeria

F. O.Aranuwa, G. Ogunniye
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引用次数: 6

Abstract

The recently introduced cashless economy with the cash-lite banking by the Central Bank of Nigeria (CBN) has engineered most Nigeria banks to introduce e-payment and e-transact solutions to support the policy. However, one of the major problems limiting the growth of this new move in Nigeria is the absence of secure and reliable e-payment systems. The problems associated with the implementation of a secure e-payment systems in the country stem from card thefts, internet fraud and identity theft e.t.c, which runs into millions of US dollars annually. This has adversely affected the integrity, development of e-commerce and the country’s active participation in the international market. Hence, the need for a secured and reliable mechanism for a proficient implementation of e-payment system in the country. This paper is focused on securing reliable authentication scheme for e-payment system in Nigeria through effective biometric authentication technology.
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尼日利亚高效可靠的电子支付系统增强生物识别认证系统
尼日利亚中央银行(CBN)最近推出的无现金经济和无现金银行业务,促使大多数尼日利亚银行推出电子支付和电子交易解决方案,以支持该政策。然而,限制这一新举措在尼日利亚发展的主要问题之一是缺乏安全可靠的电子支付系统。在该国实施安全电子支付系统的相关问题源于信用卡盗窃,互联网欺诈和身份盗窃等,每年高达数百万美元。这对电子商务的诚信、发展和国家积极参与国际市场产生了不利影响。因此,需要一个安全可靠的机制来熟练地实施电子支付系统。本文的重点是通过有效的生物识别认证技术确保尼日利亚电子支付系统的可靠认证方案。
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