Contactless Palm Vein Authentication Security Technique for Better Adoption of e-Commerce in Developing Countries

Abstract

e-Commerce has contributed immensely to the economies of developed countries and a factor in its success can be attributed to the adoption of e-commerce by their citizens. As such, it is perceived that e-commerce can also be an economic driver for developing countries. However, security has been identified as a major barrier that prevents citizens from adopting e-commerce in developing countries. Therefore, this paper examines Security Authentication Techniques (SAT), particularly Digital Signature (DS) and Digital Fingerprint Systems (DFS), including the limitations of these two security techniques, and then proposes Contactless Palm Vein Authentication (CPVA) as a potentially much better solution to increase adoption of e-commerce in developing countries. The architecture of this new CPVA technique is discussed in relation to Security, Privacy, Trust and Reliability. Participants are treated to a Design Fiction Documentary (DFD) and Design Fiction Simulation Experiment (DFSE) in our experimental design method to measure the potential Technology Acceptance (adoption) of the proposed CPVA technique over DS and DFS authentication techniques. The result of our pilot study indicates that citizens may be willing to adopt the proposed CPVA technique, which may increase their trust and likely adoption of more e-commerce applications. A larger main study is planned in the field in Nigeria starting January 2020.