scholarly journals La Biometrica a next level payment system: a conceptual view

2016 ◽  
Vol 11 (1) ◽  
pp. 8-14 ◽  
Author(s):  
Mustapha Ayoola Ishola
Keyword(s):  
Banking System ◽  
Retail Banking ◽  
Structural Development ◽  
Biometric Authentication ◽  
Economic Stability ◽  
System A ◽  
New Process ◽  
Identity Based ◽  
Conceptual Paper ◽  
Authentication System

Almost everyone agrees that present day banking systems and payment authorization techniques are far from perfect. This qualitative and conceptual paper attempts to redefine some roles of the central bank in financial systems and economic stability and proposes a new and innovative banking system authorization process. This new process will help to curb most financial irregularities and banking failures by offering central banks a draconian interventionist technique in retail banking that could shape the future structural development of the financial system and the economy and curtail crises. Identity is key to banking. It should, therefore, be of utmost importance that a good banking system be identity based. Hence, one should use a biometric authentication system for access control and operational management by a re-organization of the modus operandi in bank processing systems

NPLs — The Solution Recipe for Albania

2015 ◽  
Vol 3 (1) ◽  
pp. 48
Author(s):  
Elona Shehu ◽  
Elona Meka
Keyword(s):  
Interest Rate ◽  
Negative Relationship ◽  
Banking System ◽  
Gdp Growth ◽  
System A ◽  
Analysis Technique ◽  
Recent Financial Crisis ◽  
The Stability ◽  
Asset Quality ◽  
Macroeconomic Determinants

The quality of the loan portfolio in Albanian banking system is facing many obstacles during the last decade. In this paper we look at possible determinants of assets quality. During the recent financial crisis commercial banks were confronted with deteriorating asset quality that threatened not only the banking industry, but also the stability of the entire financial system. This study aims to examine the correlation between non-performing loans and the macroeconomic determinants in Albania during the last decade. NPLs are considered to be of a high importance as they represent the high risk exposure of banking system. A solid bank with healthy assets increases the market efficiency. Our approach is based on a panel data regression analysis technique from 2005-2015. Within this methodology this study finds robust evidence on the existing relationship between lending interest rate, real GDP growth and NPLs. We expect to find a negative relationship between lending interest rate and asset quality. Further we assume an inverse relationship between GDP growth and non-performing loans, suggesting that NPLs decrease if the economy is growing. Furthermore this study proposes a solution platform, which looks deeper into the possibility of creating a secondary active market for troubled loans, restructuring the banking system or implementing the Podgorica model. This research paper opens a new lieu of discussion in terms of academic debates and decision-making policies.

Biometric authentication system using EEG biometric trait – A review

2021 ◽  
Author(s):  
Fatin Atiqah Rosli ◽  
Saidatul Ardeenawatie Awang ◽  
Azian Azamimi Abdullah ◽  
Mohammad Shahril Salim
Keyword(s):  
Biometric Authentication ◽  
Authentication System ◽  
Biometric Trait

USABLE SECURITY IN BIOMETRIC AUTHENTICATION SYSTEMS

2021 ◽  
Vol 17 (1) ◽  
pp. 287-292
Author(s):  
Adriana-Meda UDROIU ◽  
Ștefan-Antonio DAN-ȘUTEU
Keyword(s):  
Iris Recognition ◽  
Accurate Method ◽  
Biometric Authentication ◽  
Usable Security ◽  
Security Systems ◽  
Field Methods ◽  
Secure Systems ◽  
Authentication System ◽  
Secure Authentication ◽  
Pattern Variability

Abstract: We introduce the term usable security to refer to security systems, models, mechanisms and applications that have as the main goal usability. Secure systems cannot exist without secure authentication methods. Thus we outline biometric authentication methods and we focus on iris recognition because is the most reliable and accurate method for human identification]. The most important advantage of iris biometric over other biometrics is that irises have enormous pattern variability meaning that the variation between individual is almost maximum and variation for any person across time or conditions is minimum. Taking into consideration this observations, this survey covers researches in this field, methods of technical implementation and the usability of this method as an authentication system on iOS environment.

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