Babcock University Research Portal

Holistic Exploration of Gaps vis-à-vis Artificial Intelligence in Automated Teller Machine and Internet Banking

Authors: ADEKUNLE Yinka , Akinola E, OKOLIE Samuel , Adeyemi Adebayo , EBIESUWA Oluwaseun , Ehiwe D. D

Publication Type: Journal article

Journal: International Journal Of Applied Information Systems (ijais)

ISSN Number:

Downloads

Views

Abstract

Artificial Intelligence (AI) is a computer science discipline that seeks to create intelligent software and hardware that can replicate our critical mental faculties in order to work and react like humans. Key applicationsof AIinclude speech recognition, language translation, visualperception, learning, reasoning, inference, strategizing, planning, decision making, and intuition. Automated Teller Machine (ATM) is a system that is in place to provide the users with instant cash; this system rides on the technology of AI. But the system functions with a single tier of security -called the Personal Identification Number (PIN). The ATM is an electronic telecommunication device that allows the financial institutions customers to directly use a secure method of communication to access their bank accounts. It is a self-service banking terminal that accepts deposits and dispenses cash at a lightning speed. Any ATM installed operates while the card is inserted into the machine. However, as man begins to realize the gains brought about by thismachine to supplement human tellers, little did one know that the joy shall be short lived by the various sharp practices leading to financial losses.As banks are losing, so are the customers. News Media are filled with various forms of complaints on howusers are losing money to fraudsters. Some have vowed neverto come near usage of various cards –debit, credit or prepaid –local or international. The problem may even go as deep as engaging in legal battle between banks and their customers. This paperpresents various gaps in authentication methods used in ATM transaction and their vulnerabilities and proffer robust authentication method to curb fraudulent activities in ATM. Hence, theneed to find a lasting solution to ATM fraud is the main thrust ofthis paper.

Access to Documents

External Link
Download
Digital Object Identifier

Keywords

ADEKUNLE,Y. Akinola,K.E OKOLIE,S. Adeyemi,A. EBIESUWA,O. Ehiwe,D.D . (2019). Holistic Exploration of Gaps vis-à-vis Artificial Intelligence in Automated Teller Machine and Internet Banking, 12 (), 4-4.

ADEKUNLE,Y. Akinola,K.E OKOLIE,S. Adeyemi,A. EBIESUWA,O. Ehiwe,D.D . "Holistic Exploration of Gaps vis-à-vis Artificial Intelligence in Automated Teller Machine and Internet Banking" 12, no (), (2019): 4-4.

ADEKUNLE,Y. and Akinola,K.E and OKOLIE,S. and Adeyemi,A. and EBIESUWA,O. and Ehiwe,D.D and . (2019). Holistic Exploration of Gaps vis-à-vis Artificial Intelligence in Automated Teller Machine and Internet Banking, 12 (), pp4-4.

ADEKUNLEY, AkinolaKE, OKOLIES, AdeyemiA, EBIESUWAO, EhiweDD, . Holistic Exploration of Gaps vis-à-vis Artificial Intelligence in Automated Teller Machine and Internet Banking. 2019, 12 ():4-4.

ADEKUNLE,Yinka , Akinola,Kayode E, OKOLIE,Samuel , Adeyemi,Adebayo , EBIESUWA,Oluwaseun , and Ehiwe,D. D . "Holistic Exploration of Gaps vis-à-vis Artificial Intelligence in Automated Teller Machine and Internet Banking", 12 . (2019) : 4-4.

A.Yinka A.Kayode E O.Samuel A.Adebayo E.Oluwaseun & E.D. D , "Holistic Exploration of Gaps vis-à-vis Artificial Intelligence in Automated Teller Machine and Internet Banking" vol.12, no., pp. 4-4, 2019.

Access to Documents

Keywords

About Us

Admissions

Contact Us

Policies

ALUMNI

STUDENT POPULATION