Enhanced Automated Teller Machine Using Short Service Authentication Service
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Date
2014-05-16
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Publisher
African Journal of Computing and ICTs
Abstract
The use of Automated Teller Machine (ATM) has become an important tool among commercial banks, customers of banks have
come to depend on and trust the ATM conveniently meet their banking needs. Although the overwhelming advantages of ATM
cannot be over-emphasized, its alarming fraud rate has become a bottleneck in it’s full adoption in Nigeria. This study examined
the menace of ATM in the society imposing additional security cost of running ATM services by banks in the country. The
researchers developed a prototype of an enhanced Automated Teller Machine Authentication using Short Message Service (SMS)
Verification. The usability of the developed prototype was examined using heuristic evaluation with the aid of a questionnaire
designed based on validated software usability metrics. Responses from ten (10) respondents who are users of ATM cards in the
country and the data collected were analyzed using Statistical Package for Social Science (SPSS). Based on the results of the
analysis, it is revealed that the developed prototype will go a long way in reducing the alarming rate of ATM fraud in Nigeria.
Keywords—ATM, ATM Fraud, E-banking, Prototyping.