Journal of Innovations

 ISSN: 2837-9950 (Online)

Vol. 2, Issue 1

Secure 3: An Application of the Multiplication Approach for Enhancing Online Banking Security


Jen Robinson


In today's increasingly technologically driven world, the shift towards online activities has become ubiquitous, offering convenience and accessibility like never before. One such activity that has witnessed a substantial digital transition is banking, as more and more individuals opt for online banking over traditional in-person visits. This transition is not surprising given the quick and seemingly secure nature of digital banking. However, with the convenience of online banking come inherent risks, particularly in the realm of cybersecurity. With billion smartphone users accessing banking applications, it also creates opportunities for cyberattacks, putting personal information and financial assets at risk. Current security measures include two-factor authentication, involving PIN verification through text or email, and biometrics, such as fingerprint and iris scanning. These measures have proven useful but are not infallible, as hackers continue to find vulnerabilities. The author proposes an innovative solution Secure 3, which is an authentication method that integrates voice recognition with facial and fingerprint recognition, offering a comprehensive, multi-layered approach to identity verification. While these individual authentication forms exist in online banking, their combined implementation remains rare. The uniqueness of a user's voice, iris, and fingerprint renders them unstealable, offering enhanced security against cyber threats. Secure 3 may be a promising avenue to fortify online banking security and protect users from emerging threats in the digital landscape.



Robinson, J. (2024). Secure 3: An Application of the Multiplication Approach for Enhancing Online Banking Security. Journal of Innovations. 2(1), 66-76. DOI: