An Evaluation of Usability and Security in Mobile Banking

An Evaluation of Usability and Security in Mobile Banking | Research Square window.SnipcartSettings = { analytics: { enabled: false } }; (function() { var accessVector = localStorage.getItem('access_vector') || ''; window.dataLayer = window.dataLayer || []; if (accessVector) { window.dataLayer.push({ user: { profile: { profileInfo: { snid: accessVector } } } }); } })(); (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-K279D39R'); Browse Preprints In Review Journals COVID-19 Preprints AJE Video Bytes Research Tools Research Promotion AJE Professional Editing AJE Rubriq About Preprint Platform In Review Editorial Policies Our Team Advisory Board Help Center Sign In Submit a Preprint Cite Share Download PDF Research Article An Evaluation of Usability and Security in Mobile Banking Olawale E Adediran This is a preprint; it has not been peer reviewed by a journal. https://doi.org/ 10.21203/rs.3.rs-4881972/v1 This work is licensed under a CC BY 4.0 License Status: Posted Version 1 posted You are reading this latest preprint version Abstract Mobile banking applications are currently popular because of COVID-19 restrictions, which have led to more people using remote alternatives for services. Some security control exists in mobile banking applications, for instance, whenever a customer sends money to a payee for the first time. This research will evaluate the usability of security in mobile banking applications in England. This study aimed to evaluate the extent to which modern existing mobile banking apps adhere to usability standards, users' perceptions of the overall user experience using these mobile apps for everyday tasks and what constitutes " usability " to them, and users' perceptions of the general sense of safety and trustworthiness, e.g., what constitutes " security ", to them. The data for this project were collected using the System Usability Scale (SUS tool) questionnaire. Two usability studies were conducted to derive a high SUS score of 80.5, which falls within the 86% percentile range. During the study, it was discovered that people want a secure platform in the context of security that should not be mistaken for multiple security checks. The number of screens/longer the user flow is, the less usable the product is. Security is better in the background by the system than by the user for a better usable product. Subtle security tips that do not increase the user flow where the user can explore if they want are more effective in terms of security and result in better usability. Usability System Usability Scale Security Mobile banking application Users Full Text Additional Declarations No competing interests reported. Cite Share Download PDF Status: Posted Version 1 posted You are reading this latest preprint version Research Square lets you share your work early, gain feedback from the community, and start making changes to your manuscript prior to peer review in a journal. As a division of Research Square Company, we’re committed to making research communication faster, fairer, and more useful. We do this by developing innovative software and high quality services for the global research community. Our growing team is made up of researchers and industry professionals working together to solve the most critical problems facing scientific publishing. Also discoverable on Platform About Our Team In Review Editorial Policies Advisory Board Help Center Resources Author Services Accessibility API Access RSS feed Manage Cookie Preferences © Research Square 2026 | ISSN 2693-5015 (online) Privacy Policy Terms of Service Do Not Sell My Personal Information {"props":{"pageProps":{"initialData":{"identity":"rs-4881972","acceptedTermsAndConditions":true,"allowDirectSubmit":true,"archivedVersions":[],"articleType":"Research Article","associatedPublications":[],"authors":[{"id":350775120,"identity":"d1fed5cf-da91-4ce1-885f-8dad0cfcf31f","order_by":0,"name":"Olawale E Adediran","email":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAZAAAAAyAQMAAABI0h/eAAAABlBMVEX///8AAABVwtN+AAAACXBIWXMAAA7EAAAOxAGVKw4bAAABD0lEQVRIiWNgGAWjYDACdhBRAMQHGAwOACk5EP/AA3xamEGEAUKLMVhLArFaQMzEBhCJTws/M/MziR8GNvJ8x5s3Hq6ouZM+P+zwQ6AtdnK6Ddi1SDazmUn2GKQZzjxzrODgmWPPcjfeTjMAakk2NjuAXYvBYQazGzwGhxk33MgxONjAdjh34+wEkJYDidtwamH/dvOPwX/7DfffALX8O5xuODv9AwEtPGa3eQwOJG4A2nWwse1wgrx0Dn5bJJt5yn/LGCQnzzyTVnCwse+w4QbpnIIDCQa4/cLP3r7Z8E2FnW3f8cObPzZ8OywvPzt984cPFXZyuLRgcSpYpQGxykFAvoEU1aNgFIyCUTASAABB1GuGnjkruAAAAABJRU5ErkJggg==","orcid":"","institution":"University of Chester","correspondingAuthor":true,"prefix":"","firstName":"Olawale","middleName":"E","lastName":"Adediran","suffix":""}],"badges":[],"createdAt":"2024-08-08 15:02:49","currentVersionCode":1,"declarations":"","doi":"10.21203/rs.3.rs-4881972/v1","doiUrl":"https://doi.org/10.21203/rs.3.rs-4881972/v1","draftVersion":[],"editorialEvents":[],"editorialNote":"","failedWorkflow":false,"files":[{"id":67357626,"identity":"3d7f3bcc-a7ce-4282-bdc7-761d2ae002fb","added_by":"auto","created_at":"2024-10-24 05:25:51","extension":"pdf","order_by":1,"title":"","display":"","copyAsset":false,"role":"manuscript-pdf","size":1602559,"visible":true,"origin":"","legend":"","description":"","filename":"ANEVALUATIONOFUSABILITYANDSECURITYINMOBILEBANKING3.pdf","url":"https://assets-eu.researchsquare.com/files/rs-4881972/v1_covered_97ab5443-fdd8-4575-99a9-31f1f9874947.pdf"}],"financialInterests":"No competing interests reported.","formattedTitle":"\u003cp\u003eAn Evaluation of Usability and Security in Mobile Banking\u003c/p\u003e","fulltext":[],"fulltextSource":"","fullText":"","funders":[],"hasAdminPriorityOnWorkflow":false,"hasManuscriptDocX":false,"hasOptedInToPreprint":true,"hasPassedJournalQc":"","hasAnyPriority":false,"hideJournal":true,"highlight":"","institution":"","isAcceptedByJournal":false,"isAuthorSuppliedPdf":true,"isDeskRejected":"","isHiddenFromSearch":false,"isInQc":false,"isInWorkflow":false,"isPdf":true,"isPdfUpToDate":true,"isWithdrawnOrRetracted":false,"journal":{"display":true,"email":"[email protected]","identity":"researchsquare","isNatureJournal":false,"hasQc":true,"allowDirectSubmit":true,"externalIdentity":"","sideBox":"","snPcode":"","submissionUrl":"/submission","title":"Research Square","twitterHandle":"researchsquare","acdcEnabled":true,"dfaEnabled":false,"editorialSystem":"","reportingPortfolio":"","inReviewEnabled":false,"inReviewRevisionsEnabled":true},"keywords":"Usability, System Usability Scale, Security, Mobile banking application, Users","lastPublishedDoi":"10.21203/rs.3.rs-4881972/v1","lastPublishedDoiUrl":"https://doi.org/10.21203/rs.3.rs-4881972/v1","license":{"name":"CC BY 4.0","url":"https://creativecommons.org/licenses/by/4.0/"},"manuscriptAbstract":"\u003cp\u003eMobile banking applications are currently popular because of COVID-19 restrictions, which have led to more people using remote alternatives for services. Some security control exists in mobile banking applications, for instance, whenever a customer sends money to a payee for the first time. This research will evaluate the usability of security in mobile banking applications in England. This study aimed to evaluate the extent to which modern existing mobile banking apps adhere to usability standards, users' perceptions of the overall user experience using these mobile apps for everyday tasks and what constitutes \"\u003cb\u003eusability\u003c/b\u003e\" to them, and users' perceptions of the general sense of safety and trustworthiness, e.g., what constitutes \"\u003cb\u003esecurity\u003c/b\u003e\", to them. The data for this project were collected using the System Usability Scale (SUS tool) questionnaire. Two usability studies were conducted to derive a high SUS score of 80.5, which falls within the 86% percentile range. During the study, it was discovered that people want a secure platform in the context of security that should not be mistaken for multiple security checks. The number of screens/longer the user flow is, the less usable the product is. Security is better in the background by the system than by the user for a better usable product. Subtle security tips that do not increase the user flow where the user can explore if they want are more effective in terms of security and result in better usability.\u003c/p\u003e","manuscriptTitle":"An Evaluation of Usability and Security in Mobile Banking","msid":"","msnumber":"","nonDraftVersions":[{"code":1,"date":"2024-09-12 05:54:33","doi":"10.21203/rs.3.rs-4881972/v1","editorialEvents":[{"type":"communityComments","content":0}],"status":"published","journal":{"display":true,"email":"[email protected]","identity":"researchsquare","isNatureJournal":false,"hasQc":true,"allowDirectSubmit":true,"externalIdentity":"","sideBox":"","snPcode":"","submissionUrl":"/submission","title":"Research Square","twitterHandle":"researchsquare","acdcEnabled":true,"dfaEnabled":false,"editorialSystem":"","reportingPortfolio":"","inReviewEnabled":false,"inReviewRevisionsEnabled":true}}],"origin":"","ownerIdentity":"77adf35f-99a2-499f-85f8-bb9b4a7df7da","owner":[],"postedDate":"September 12th, 2024","published":true,"recentEditorialEvents":[],"rejectedJournal":[],"revision":"","amendment":"","status":"posted","subjectAreas":[],"tags":[],"updatedAt":"2024-10-24T05:09:34+00:00","versionOfRecord":[],"versionCreatedAt":"2024-09-12 05:54:33","video":"","vorDoi":"","vorDoiUrl":"","workflowStages":[]},"version":"v1","identity":"rs-4881972","journalConfig":"researchsquare"},"__N_SSP":true},"page":"/article/[identity]/[[...version]]","query":{"redirect":"/article/rs-4881972","identity":"rs-4881972","version":["v1"]},"buildId":"qtupq5eGEP_6zYnWcrvyt","isFallback":false,"isExperimentalCompile":false,"dynamicIds":[84888],"gssp":true,"scriptLoader":[]}