Improving E-Banking Security with Biometrics: Modelling User Attitudes and Acceptance

Despite the widespread success of online banking, there remains a reluctance to use it primarily because of uncertainty and security concerns. This study evaluates the potential of biometric authentication for online banking (b-banking) as a way of improving adoption and use of online banking. To this end, we extend Davis´s core TAM model adding self-efficacy and user perceptions of biometric security. Using structural equation modelling techniques, this study revealed that user perceptions of biometrics security positively influenced their attitude and intention to use biometric banking. It also found that self efficacy in biometric use, positively influenced user´s perception of the security of biometrics.