Analytical outlook on customer awareness towards biometrics mechanism of unimodal and multimodal in online transactions
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Analytical outlook on customer awareness towards biometrics mechanism of unimodal and multimodal in online transactions G. Gokulkumari 1 Received: 6 November 2019 / Revised: 28 July 2020 / Accepted: 4 August 2020 # Springer Science+Business Media, LLC, part of Springer Nature 2020
Abstract
The awareness of the Biometric mechanism to the customer is an essential one during online transactions. Till now, the single biometric mechanism is used in various fields like banking, forensic, etc. However, the security issues are still lagging under many aspects, which show the need for stronger security levels; thus moving to multimodal biometrics. This paper aims to investigate customer awareness of the biometric mechanism (both unimodal and multimodal) during online transactions. Initially, questionnaire preparation is done based on certain core perspectives and is distributed among customers. Once the data collection is over (responses), this work makes an analytical study based on all the four core perspectives called customer awareness, perception/feedback, unimodal vs. multimodal, and data privacy. The initial one defines how much awareness the customers have about the biometrics usage in the online transaction. The second phase defines the thought on the usage of biometrics by the customer and third is the awareness about the unimodal or multimodal biometric facility and the final one is about the privacy preservation of data using multimodal biometric. The analysis is made concerning the overall model assessment, measurement model, and structural model. The experiment is conducted on 108 samples with measurement variables 45 and latent constructs 4. The analysis shows that 93.4% of the customers have ensured the use of multimodal biometrics in the future, as well as 68.87% of customers, assured the interested in buying the online product if the multimodal biometrics facility is available. From this analysis, the statistics show that it is worth investigation on the interestingness and awareness of the consumers in implementing multimodal biometrics. Keywords Online transaction . Biometric system . Customer awareness . Unimodal vs. multimodal . Data privacy
* G. Gokulkumari [email protected] Extended author information available on the last page of the article
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Nomenclature Abbreviations ACO FBDT VBELM GSRC BSA PCR MGCDP S-MGCDP P-MGCDP FV DCA PLS-PM PLS-SEM SRMR TLI NFI AVE HTMT
Descriptions Ant Colony Optimization Fuzzy Binary Decision Tree Variational Bayesian Extreme Learning Machine Group Sparse Representation based Classifier Backtracking Search Optimization Algorithm Proportional Conflict Redistribution Multiset Generalized Canonical Discriminant Projection Serial MGCDP Parallel MGCDP Fisher vector Discriminant Correlation Analysis Partial Least Squares Path Modelling Partial Least Squares Structural Equation Modeling Standardized Root Mean Square Residual Tucker and Lewis Index Nonnormed Fit Index Average Variability Explained Heterotrait-Monotrait Ratio of Correl
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