One of the main drawbacks of the user authentication is the essence of various attacks to the protection mechanism. The concept of user authenticity is weak and susceptible to numerous attacks. The protection mechanism also relates to the ability of the user to maintain the user ID and password secret for the purposes of minimizing threats and attacks (Weber 2010). This is an indication that the users must have the right memory and the ability to keep the essentials secret with the aim of reducing external threats thus enhancing the validity and integrity and availability of the information within the context of the user's computer system.

It is ideal to note that the authenticity mechanism is ineffective in relation to making financial transactions remotely. This focus on the making of fund transfers though the concept of the internet banking channel. There is an increase in cost of utilization of this...
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