Enhancing the Security Features of Automated Teller Machines (ATMs): A Ghanaian Perspective
Nana Kwame Gyamfi, Mustapha Adamu Mohammed, Kwaku Nuamah-Gyambra, Dr. Ferdinand Katsriku, Dr. Jamal-Deen Abdulah

Abstract
The growth in electronic transactions has resulted in a greater demand for fast and accurate user identification and authentication. Access codes for buildings, bank accounts and computer systems often use personal identification numbers (PIN's) for identification and security clearances. Conventional method of identification based on possession of ID cards or exclusive knowledge like a social security number or a password are not all together reliable. An embedded fingerprint biometric authentication scheme for Automated Teller Machine (ATM) banking systems is proposed in this paper. Over the past three decades, consumers have been largely depending on and trusting the Automatic Teller Machine (ATM) to conveniently meet their banking needs. However, despite the numerous advantages of the ATM system, ATM fraud has recently become more widespread. In this paper, we provide an overview of the possible fraudulent activities that may be perpetrated against ATMs and investigate recommended approaches to prevent these types of frauds. In particular we develop a prototype model for the utilization of biometrics equipped ATM to provide security solutions against most of the well-known breaches, from a Ghanaian perspective. To ensure that such security approach will be accepted by the majority of users, our model was tested and the users’ opinions were given.

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