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Convenience and the ability to perform advanced transactions encourage banks clients to use online banking. As security and usability are two growing concerns for online banking users, banks have invested heavily in improving their web portals security and user experience and trust in them. Despite considerable efforts to evaluate particular security and usability features in online banking, a dedicated security and usability evaluation framework that can be used as a guide in online banking development remains much less explored. In this work, we first extract security and usability evaluation metrics from the conducted literature review. We then include several other evaluation metrics that were not previously identified in the literature. We argue that the proposed online banking security and usability evaluation frameworks in the literature in addition to the existing standards of security best practices (e.g., NIST and ISO) are by no means comprehensive and lack some essential and key evaluation metrics that are of particular interest to online banking portals. In order to demonstrate the inadequacy of existing frameworks, we use some frameworks to evaluate five major banks. The evaluation reveals several shortcomings in identifying both missing or incorrectly implemented security and privacy features. Our goal is to encourage other researchers to build upon our work.

Online Banking Security and Usability - Towards an Effective Evaluation Framework