International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Quantum-Enhanced Multi-Factor Authentication Framework for Digital Banking Systems: A Post-Quantum Cryptographic Approach

Author(s) Praveen Kumar Reddy Gujjala
Country United States
Abstract The digital banking ecosystem faces unprecedented security challenges with the imminent advent of quantum computing, which threatens to compromise existing cryptographic infrastructures. Traditional multi-factor authentication (MFA) systems in banking rely on classical cryptographic primitives vulnerable to quantum attacks, creating critical security gaps in financial transactions and customer data protection. This paper introduces a novel Quantum-Enhanced Multi-Factor Authentication Framework (QE-MFAF) specifically designed for digital banking systems, integrating lattice-based post-quantum cryptography with biometric fuzzy commitment schemes and behavioral analytics. The proposed framework incorporates a hybrid authentication mechanism combining quantum-resistant cryptographic protocols, continuous behavioral pattern recognition using deep learning models, and secure multi-party computation for transaction verification. Experimental validation on a synthetic banking dataset demonstrates superior performance with 99.7% authentication accuracy, 0.02% false positive rate, and 15ms average authentication latency while maintaining quantum resistance. The framework successfully mitigates advanced persistent threats, insider attacks, and quantum-based cryptographic vulnerabilities while ensuring seamless user experience in high-transaction banking environments. Performance comparisons with existing banking authentication systems show 34% improvement in security metrics and 28% reduction in computational overhead.
Keywords Quantum cryptography, post-quantum security, banking authentication, lattice-based cryptography, behavioral biometrics, digital banking security, multi-factor authentication.
Field Engineering
Published In Volume 5, Issue 6, November-December 2023
Published On 2023-12-07
DOI https://doi.org/10.36948/ijfmr.2023.v05i06.55443
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E-ISSN 2582-2160
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