To prevent password breaches and guessing attacks, banks increasingly turn to two-factor authentication (2FA), requiring users to present at least one more factor, such as a one-time password generated by a hardware token or received via SMS, besides a password. We can expect some solutions -- especially those adding a token -- to create extra work for users, but little research has investigated usability, user acceptance, and perceived security of deployed 2FA. This paper presents an in-depth study of 2FA usability with 21 UK online banking customers, 16 of whom had accounts with more than one bank. We collected a rich set of qualitative and quantitative data through two rounds of semi-structured interviews, and an authentication diary over an average of 11 days. Our participants reported a wide range of usability issues, especially with the use of hardware tokens, showing that the mental and physical workload involved shapes how they use online banking. Key targets for improvements are (i) the reduction in the number of authentication steps, and (ii) removing features that do not add any security but negatively affect the user experience.
2FA usability. @cite_11 were among the first to investigate the usability of 2FA and suggested that, by increasing redundancy, 2FA strengthens security but reduces usability. However, they did not conduct any actual user study. @cite_13 analysed the effect on productivity of the Common Access Card (CAC), a smart card and photo ID used by US Department of Defense employees. They found that employees were often locked out as they left the card in the reader and almost stopped answering emails from home, concluding that the DoD lost more than $10M worth of time. @cite_1 investigated authentication usability in the context of automated telephone banking, asking 62 participants to rate their experience via a 22-item questionnaire: when second factors of authentication were enforced, users felt more secure than when using only passwords or PINs, but at the expense of usability.
@cite_1 @cite_13 @cite_11
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This paper describes an experiment to investigate user perceptions of the usability and security of single-factor and two-factor authentication methods in automated telephone banking. In a controlled experiment with 62 banking customers a knowledge-based, single-factor authentication procedure, based on those commonly used in the financial services industry, was compared with a two-factor approach where in addition to the knowledge-based step, a one-time passcode was generated using a hardware security token. Results were gathered on the usability and perceived security of the two methods described, together with call completion rates and call durations for the two methods. Significant differences were found between the two methods, with the two-factor version being perceived as offering higher levels of security than the single-factor authentication version; however, this gain was offset by significantly lower perceptions of usability, and lower ratings for convenience and ease of use for the two-factor version. In addition, the two-factor authentication version took longer for participants to complete. This research provides valuable empirical evidence of the trade-off between security and usability in automated systems. We present a usability study of two recent password manager proposals: PwdHash (, 2005) and Password Multiplier (, 2005). Both papers considered usability issues in greater than typical detail, the former briefly reporting on a small usability study; both also provided implementations for download. Our study involving 26 users found that both proposals suffer from major usability problems. Some of these are not "simply" usability issues, but rather lead directly to security exposures. Not surprisingly, we found the most significant problems arose from users having inaccurate or incomplete mental models of the software. Our study revealed many interesting misunderstandings D for example, users reporting a task as easy even when unsuccessful at completing that task; and believing their passwords were being strengthened when in fact they had failed to engage the appropriate protection mechanism. Our findings also suggested that ordinary users would be reluctant to optin to using these managers: users were uncomfortable with "relinquishing control" of their passwords to a manager, did not feel that they needed the password managers, or that the managers provided greater security. In this paper, we propose and evaluate Use Your Illusion, a novel mechanism for user authentication that is secure and usable regardless of the size of the device on which it is used. Our system relies on the human ability to recognize a degraded version of a previously seen image. We illustrate how distorted images can be used to maintain the usability of graphical password schemes while making them more resilient to social engineering or observation attacks. Because it is difficult to mentally "revert" a degraded image, without knowledge of the original image, our scheme provides a strong line of defense against impostor access, while preserving the desirable memorability properties of graphical password schemes. Using low-fidelity tests to aid in the design, we implement prototypes of Use Your Illusion as i) an Ajax-based web service and ii) on Nokia N70 cellular phones. We conduct a between-subjects usability study of the cellular phone prototype with a total of 99 participants in two experiments. We demonstrate that, regardless of their age or gender, users are very skilled at recognizing degraded versions of self-chosen images, even on small displays and after time periods of one month. Our results indicate that graphical passwords with distorted images can achieve equivalent error rates to those using traditional images, but only when the original image is known. The Department of Defense has mandated the use of a two-factor security system for access and authentication. The increased security of such a system has been extensively researched by the military. This research uses a survey to examine the effects on productivity and usability of implementing such a system.