Google scholar arxiv informatics ads IJAIS publications are indexed with Google Scholar, NASA ADS, Informatics et. al.

Call for Paper


January Edition 2023

International Journal of Applied Information Systems solicits high quality original research papers for the January 2023 Edition of the journal. The last date of research paper submission is December 15, 2022.

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

F. O. Aranuwa, G. B. Ogunniye Published in Security

International Journal of Applied Information Systems
Year of Publication 2012
© 2010 by IJAIS Journal
Download full text
  1. F O Aranuwa and G B Ogunniye. Article: Enhanced Biometric Authentication System for Efficient and Reliable e-Payment System in Nigeria. International Journal of Applied Information Systems 4(2):56-61, September 2012. BibTeX

    	author = "F. O. Aranuwa and G. B. Ogunniye",
    	title = "Article: Enhanced Biometric Authentication System for Efficient and Reliable e-Payment System in Nigeria",
    	journal = "International Journal of Applied Information Systems",
    	year = 2012,
    	volume = 4,
    	number = 2,
    	pages = "56-61",
    	month = "September",
    	note = "Published by Foundation of Computer Science, New York, USA"


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.


  1. Aguilar, J. Z. ,(2006): Adapted Fusion Schemes For Multimodal Biometric Authentication (Ph. D Thesis), Madrid: Universidad Politecnica De Madrid.
  2. Ajao, O. D. 2008. Interswitch Nigeria; Lower Your webpay Entry Fees, s. l. : Available: t:http:// www. davidajao. com/blog/2008 /02/17/interswitch-ltd-lower-your-webpay-entry-fees/.
  3. Ayo, C. K, Adewoye J. O, and Oni A. A. 2010. The State of e-Banking Implementation in Nigeria: A Post Consolidation Review. Journal of Emerging Trends in Economics and Management Sciences (JETEMS), Scholarlink Research Institute Journals, 2010, 1(1), pp. 37-45.
  4. Ayo C. K and. Ukpere, W. I. 2010. Design of a secure unified e-payment system in Nigeria: A Case Study. African Journal of Business Management,Available online at http://www. academicjournals. org/AJBM, 4(9), pp. 1753-1760.
  5. Biometrika, 2011. Introduction to Biometric Systems, s. l. : Biometrika (Italy) Available at:http://www. biometrika. it/ eng/wp_biointro. html.
  6. CBN, 2011. : Further Clarifications on Cash-less Lagos Project,© Central Bank of Nigeria, 2006-2011. All rights reserved.
  7. Damousis I. G. and Argyropoulos S. 2012. "Four Machine Learning Algorithms for Biometrics Fusion": Comparative Study. Applied Computational Intelligence and Soft Computing Volume 2012, Article ID 242401, 7 pages. Hindawi Publishing Corporation doi:10. 1155/2012/242401
  8. Davidson, L. 2011. History and Technology of Fingerprinting, s. l. : HubPages Inc, Available at:http://leladavidson. hubpages. com/hub/History-and-Technology-of-Fingerprinting.
  9. Deravi, F. 1999. "Audio-Visual Person Recognition for Security and Access Control" Joint Information Systems Committee, University of Kent at Canterbury, Sept, 1999.
  10. Drygajio, A. 2011. "Information and Communication Security", LIDIAP Speech processing and Biometrics Group, Institute of Electrical Engineering, Ecole Polytechnique Federalede Lausanne (EPFL). http//scgwww. epfl. ch/courses
  11. Fajfar, M. 2004. Role and Security of Payment Systems in an Electronic Age, s. l. : IMF Institute Seminar on"Current Developments in Monetary and Financial Law" Available at:www. imf. org/external/np/leg/sem/2004/cdmfl/eng/faj. pdf.
  12. Flavian, C. , Guinaliu, M. , & Torres, E. 2006. How bricks-and-mortar attributes affect online banking adoption. The International Journal of Bank Marketing, 24(6), pp. 406-423.
  13. French, T. 2012. CIS050-6 Week 6: Biometrics. , Luton Campus, UK: University of Bedfordshire. Available at: http://breo. beds. ac. uk. .
  14. Kay, R. 2005. . Biometric authentication, s. l. : Computerworld, Available at:http://www. computerworld. com/s/article/100772/Biometric_Authentication.
  15. Luarn, P. & Lin, H. H. 2005 Towards an understanding of the behavioral intention to use mobile banking. Computers in Human Behavior, Volume 21, pp. 873-891 .
  16. MarketPlace, A. 2011. Nigerian bank deploys country's first biometric ATM, s. l. : ATM MarketPlace,Available on: http://www. atmmarketplace. com/article/179366/Nigerian-bank-deploys-country-s-first-biometric-ATM.
  17. Mukherjee, A. & Nath P. 2003. A model of trust in online relationship banking. . International Journal of Bank Marketing, 21(1), pp. 5-15.
  18. Nweze, C. , (2012): Cash-Lite: Heavy transactions, less cash. The Nation News Paper, 04 01.
  19. Ratha, N. K. , Connell, J. H, and Bolle, R. M . 2010. Enhancing Security and Privacy in Biometric Based Authentication System. IBM Systems Journal, 40(3), pp. 615-634.
  20. Stanley, P. , Jeberson, W. , and Klinsega V. V. 2009. Biometric Authentication: A Trustworthy Technology for Improved Authentication. 2009 International Conference on Future Networks, , pp. 171-175.
  21. Yadavi. S. S, Gothwal, J. K. and Singh. R. 2011. "Multimodal Biometric Authentication System: Challenges and Solutions". Global Journal of Computer Science and Technology. Volume XI Issues XVI Version 1, September, 2011.


Biometric Authentication, E-payment, Cashless economy, Internet banking, Modernization, Multi-stage