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Nudging Bank Account Holders Towards More Secure PIN Management
Karlstad University, Faculty of Health, Science and Technology (starting 2013), Department of Mathematics and Computer Science.
2015 (English)In: Journal of Internet Technology and Secured Transactions, ISSN 1748-569X, Vol. 4, 380-386 p.Article in journal (Refereed) Published
Abstract [en]

The memorability of PINs is an enduring security issue. This is especially pertinent in the context of banking, where technical systems evolve more slowly than in other contexts (e.g. many mobile phone operating systems have adopted alternative authentication mechanisms). Banking customers who struggle to memorise all their PINs often record them, sometimes insecurely, flying in the face of advice from their banks. Banks respond to memorisation difficulties by permitting customers to change their PINs. The reality is that both recording and changing unwittingly weakens the mechanism by increasing predictability. Yet trying to forbid these coping strategies is futile. It is far better to acknowledge the prevalence of such behaviours and to try to nudge people towards more secure PIN management. In this paper, we suggest a way of achieving this.

Place, publisher, year, edition, pages
InderScience Publishers, 2015. Vol. 4, 380-386 p.
National Category
Computer and Information Science
Identifiers
URN: urn:nbn:se:kau:diva-47209DOI: 10.20533/jitst.2046.3723.2015.0049OAI: oai:DiVA.org:kau-47209DiVA: diva2:1051264
Available from: 2016-12-01 Created: 2016-11-18 Last updated: 2017-03-22Bibliographically approved

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Volkamer, Melanie
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CiteExportLink to record
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  • apa
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