Design of an Online Banking Authentication System, Implementing Mobile-OTP with QR-Code

Financial institutions will keep working to make it possible for clients to move money, pay bills, and access critical information online. The internet banking landscape has changed substantially in recent years. Online banking has been targeted by thieves and cybercriminals looking to steal client data during this time. Fraudsters today frequently employ well-known attacks like phishing and pharming to get client data and gain access to online banking accounts. As a result, financial institutions are now quite concerned about the authentication of customers using online banking services. This study unequivocally shows that internet banking requires stronger authentication. It discusses the key security issues, criminal behavior, and development of robust authentication that are driving