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Reseach Article

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

by F. O. Aranuwa, G. B. Ogunniye
International Journal of Applied Information Systems
Foundation of Computer Science (FCS), NY, USA
Volume 4 - Number 2
Year of Publication: 2012
Authors: F. O. Aranuwa, G. B. Ogunniye

F. O. Aranuwa, G. B. Ogunniye . Enhanced Biometric Authentication System for Efficient and Reliable e-Payment System in Nigeria. International Journal of Applied Information Systems. 4, 2 ( September 2012), 56-61. DOI=10.5120/ijais12-450676

@article{ 10.5120/ijais12-450676,
author = { F. O. Aranuwa, G. B. Ogunniye },
title = { Enhanced Biometric Authentication System for Efficient and Reliable e-Payment System in Nigeria },
journal = { International Journal of Applied Information Systems },
issue_date = { September 2012 },
volume = { 4 },
number = { 2 },
month = { September },
year = { 2012 },
issn = { 2249-0868 },
pages = { 56-61 },
numpages = {9},
url = { },
doi = { 10.5120/ijais12-450676 },
publisher = {Foundation of Computer Science (FCS), NY, USA},
address = {New York, USA}
%0 Journal Article
%1 2023-07-05T10:47:01.813950+05:30
%A F. O. Aranuwa
%A G. B. Ogunniye
%T Enhanced Biometric Authentication System for Efficient and Reliable e-Payment System in Nigeria
%J International Journal of Applied Information Systems
%@ 2249-0868
%V 4
%N 2
%P 56-61
%D 2012
%I Foundation of Computer Science (FCS), NY, 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.

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Index Terms

Computer Science
Information Sciences


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