Enhanced Automated Teller Machine Using Short Message Service Authentication Verification

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. African Journal of Computing & ICT Reference Format: R.G. Jimoh & A.N. Babatunde (2014) Enhanced Automated Teller Machine Using Short Message Service Authentication Verification Afr J. of Comp & ICTs. Vol 7, No. 1. Pp 115-.