Mobile Banking Usage Through Biometric Authentication: Effects of Smartphone Attributes and Privacy Consent Index
Inkwan Cho, Jeong Ho Kwak, Bong Gyou Lee · IEEE Access · 2025
This study aims to empirically investigate how biometric authentication affects mobile-banking behavior, focusing on the roles of smartphone attributes and privacy consent as key moderating factors. Using a large-scale dataset from a leading commercial bank, we analyze how different biometric modalities—such as fingerprint, facial, and iris recognition—affect users’ transaction frequency and monetary value. The model further incorporates device characteristics, particularly screen size, and introduces a privacy- and trust-related moderator through a Personal Data Consent (PDC) index. The results reveal that facial and iris recognition are associated with significantly higher transaction frequencies and amounts compared to traditional methods, and that users who grant personal-data consent more frequently conduct higher-value transactions. Moreover, the effect of biometric authentication is magnified when users operate devices with larger screens. These findings provide actionable insights for financial institutions aiming to enhance both security and user convenience in digital banking services. By integrating behavioral, technological, and privacy-related factors, this research makes both theoretical and practical contributions to understanding user engagement in digital banking.