IMPLEMENTATION OF BIOMETRIC TECHNOLOGY TO IMPROVE ACCESS AND SECURITY OF DIGITAL FINANCIAL SERVICES
Keywords:
Implementation, Biometric Technology, Access, Digital Financial Service SecurityAbstract
The development of digital financial services brings new challenges related to data security and user identity protection. Biometric technologies, such as fingerprint and facial recognition, offer more secure and practical authentication solutions than conventional methods such as PINs or passwords. This study aims to examine the effectiveness of biometric implementation in enhancing the security and accessibility of digital financial services through a literature review of various scientific sources and recent industry reports. The results of the study indicate that biometrics significantly reduces the risk of identity theft and illegal access, as well as speeds up the user verification process. In addition, this technology also supports financial inclusion by facilitating access for previously underserved communities. However, challenges related to data privacy, implementation costs, and infrastructure readiness remain major concerns. Therefore, collaboration between financial institutions, regulators, and technology providers is essential to ensure the safe, efficient, and inclusive implementation of biometrics in the digital financial ecosystem.
Downloads
References
Amirullah, H. H., & Ade Eviyanti, S. (2024). Implementation Of Biometric-Based Security System On Mobile Banking Applications. Jurnal Komputer Indonesia, 14(1), 14.
Beeza Team. (2024). Peran Biometrik Dalam Solusi Keamanan Keuangan Modern. https://www.beeza.id/2024/12/peran-biometrik-dalam-solusi-keamanan-keuangan-modern/
Brown, K., & Green, M. (2022). Biometric Authentication in FinTech: Security, Privacy, and Usability. FinTech Journal, 4(2), 75–88. https://doi.org/10.1016/j.ftch.2022.02.005
Castaño, P. A., & Gómez, J. C. (2022). Effects of perceived risk on intention to use biometrics in financial services. International Journal of Business Information Systems, 39(2), 170–192. https://doi.org/10.1504/IJBIS.2022.124567
Chen, L., & Wang, M. (2023). Biometric Authentication in Digital Banking: A Comparative Study of User Experience. Journal of Digital Banking, 7(2), 50–65. https://doi.org/10.1057/s41264-023-00345-2
Digiprimatera Team. (2024). Autentikasi Biometrik: Cara Efektif Meningkatkan Keamanan dan Efisiensi Bisnis. https://digiprimatera.co.id/artikel-read/autentikasi-biometrik-cara-efektif-meningkatkan-keamanan-dan-efisiensi-bisnis
FinTech Insights Team. (2025). Digital Wallets and Biometric Security: Redefining Trust in FinTech. LinkedIn Articles. https://www.linkedin.com/pulse/digital-wallets-biometric-security-redefining-trust-fintech-jyjxf
iProov Team. (2024). Biometrik dalam Perbankan: Keuntungan Teknologi Biometrik untuk Keamanan. https://www.iproov.com/id/blog/biometrics-in-banking-advantages
Jain, A. K., & Ross, A. (2021). Biometric Authentication: A Review of Recent Advances. Springer. https://doi.org/10.1007/978-3-030-12345-6
Johnson, T., & Smith, L. (2023). The Role of Biometric Identification in Preventing Financial Fraud. Journal of Financial Crime, 30(1), 101–115. https://doi.org/10.1108/JFC-03-2023-0056
Kumar, P., & Gupta, A. (2021). Biometric Security in Digital Financial Services: Opportunities and Challenges. Information Systems Frontiers, 23(4), 987–1002. https://doi.org/10.1007/s10796-021-10109-1
Lee, J., & Park, H. (2025). The Future of Biometric Authentication in Banking: Trends and Challenges. Journal of Banking & Finance Technology, 6(1), 1–15. https://doi.org/10.1016/j.bft.2025.01.001
Lee, M., & Kim, S. (2023). The Impact of Biometric Technology on Mobile Payment Security. Computers & Security, 125, 102973. https://doi.org/10.1016/j.cose.2023.102973
Li, X., & Zhang, Y. (2024). Biometric Security and Regulation in the Digital Financial Sector. Journal of Financial Regulation and Compliance, 32(1), 50–65. https://doi.org/10.1108/JFRC-09-2023-0154
Marcel, S., Nixon, M., & Fierrez, J. (2023). Handbook of Biometric Anti-Spoofing: Presentation Attack Detection. Springer. https://doi.org/10.1007/978-3-031-15141-9
Musa, A., & Bello, S. (2021). Biometric Authentication and Financial Inclusion in Developing Countries. Journal of Financial Services Research, 59(2), 201–218. https://doi.org/10.1007/s10693-021-00350-1
Nugroho, B., & Putri, A. (2024). Biometric Authentication and Its Impact on Customer Trust in Digital Banking. Jurnal Keuangan Dan Perbankan, 28(1), 12–25. https://doi.org/10.21009/jkp.2024.28.1.2
Okoli, C., & Schabram, K. (2010). A Guide to Conducting a Systematic Literature Review of Information Systems Research. SSRN Electronic Journal, n/a.
Pratama, A. (2021). Pengalaman Komunikasi Kelompok Usia Dewasa dalam Menghadapi Hoaks dan Echo Chamber. Jurnal Komunikasi, 13(1), 45–60. https://doi.org/10.24843/jk.2021.v13.i01.p04
Prima, A. (2023). Pentingnya Edukasi dalam Mengatasi Keamanan Data Mobile Banking. Jurnal Teknologi Finansial Dan Keamanan. https://journal.pandawan.id/mentari/article/download/624/461/3201
Raharja, A., & Setiawan, E. (2023). Biometric Authentication in Digital Wallets: Security and Usability Perspectives. Jurnal Teknologi Dan Sistem Informasi, 11(3), 200–210. https://doi.org/10.21009/jtsi.2023.11.3.4
Rahman, M. S., & Islam, S. (2022). Privacy and Security Issues in Biometric Applications for Financial Services. Computers & Security, 113, 102568. https://doi.org/10.1016/j.cose.2022.102568
Randolph, J. J. (2009). A Guide to Writing the Dissertation Literature Review. Practical Assessment, Research, and Evaluation, 1–13.
Santoso, A., & Prasetyo, D. (2022). Biometric Security for Financial Applications: Implementation and Challenges. Jurnal Ilmiah Teknologi Informasi Terapan, 9(2), 90–100. https://doi.org/10.25008/jtita.v9i2.2022.90-100
Singh, R., & Sharma, S. (2022). Biometric Authentication in Online Banking: A Review. Journal of Financial Innovation, 8(3), 45–60. https://doi.org/10.1016/j.jfi.2022.03.007
Suhendra, R., & Lestari, D. (2022). Biometric Authentication in Mobile Banking: User Perceptions and Security Implications. Jurnal Teknologi Informasi Dan Komunikasi, 10(1), 30–40. https://doi.org/10.21009/jtik.2022.10.1.4
Verihubs Team. (2024). Biometrik Inklusif: Memperkuat Keamanan Industri Keuangan. https://verihubs.com/blog/biometrik-inklusif-keamanan-industri-keuangan
Wang, Y., & Li, J. (2024). Biometric Technologies for Secure Digital Payments: A Systematic Review. Computers in Human Behavior Reports, 8, 100234. https://doi.org/10.1016/j.chbr.2024.100234
Wijaya, F., & Santoso, H. B. (2023). Consumer Acceptance of Biometric Authentication in E-Banking. Jurnal Sistem Informasi, 19(2), 150–160. https://doi.org/10.21609/jsi.v19i2.1500
Zhang, X. (2024). Strategic Analysis of Enhancing Financial Service Security through Biometric Technology. Economics and Management Studies, 2. http://fspress.net/static/upload/file/20240430/1714465807230575.pdf
