The impact of end-to-end encryption on the security of digital banking transactions: an in-depth analysis
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Published:
Nov 30, 2024
Keywords:
Data Integrity, Digital Banking, End-to-End Encryption, Transaction Security
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Economy
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Abstract
This study aims to evaluate the impact of end-to-end encryption (E2EE) on the security of digital banking transactions through a systematic literature review method. The literature sources are from Scholar, DOAJ, and Scopus indexers in the last ten years. The analysis confirmed that E2EE plays a crucial role in enhancing the security of digital banking transactions. Data inclusion criteria included empirical studies, literature reviews, and other research articles that directly addressed the implementation, benefits, or challenges of E2EE in digital banking transactions. The research procedure began with the formulation of research questions, development of a research protocol, systematic literature search, screening of search results, and data extraction and analysis to identify key findings, trends, and research gaps. E2EE has proven to be effective in maintaining confidentiality, data integrity, and protecting information from unauthorized access and eavesdropping. The implementation of E2EE, especially in cloud storage and mobile banking, strengthens security measures and reduces the risk of fraudulent activities. The findings underscore the importance of E2EE adoption to strengthen security systems in the digital banking sector. The study further recommends further research into the integration of E2EE with blockchain technology and its implications for information security policies.
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Irsyad, Z. . and Indraningsih, N. H. . (2024) “The impact of end-to-end encryption on the security of digital banking transactions: an in-depth analysis ”, Jurnal Mantik, 8(3), pp. 1540-1552. doi: 10.35335/mantik.v8i3.5755.
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Ashiqul Islam, M., Kobita, A. A., Sagar Hossen, M., Rumi, L. S., Karim, R., & Tabassum, T. (2021). Data security system for a bank based on two different asymmetric algorithms cryptography. In Lecture Notes on Data Engineering and Communications Technologies (Vol. 53, pp. 837–844). https://doi.org/10.1007/978-981-15-5258-8_77
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Azhari, M., Mulyana, D. I., Perwitosari, F. J., & Ali, F. (2022). Implementasi Pengamanan Data pada Dokumen Menggunakan Algoritma Kriptografi Advanced Encryption Standard (AES). Jurnal Pendidikan Sains Dan Komputer. https://doi.org/10.47709/jpsk.v2i01.1390
Aziz, N., Rodiah, R., & Susanto, H. (2021). Encrypting of Digital Banking Transaction Records: An Blockchain Cryptography Security Approach. International Journal of Computer Applications, 174(24), 21–26. https://doi.org/10.5120/ijca2021921147
Babu P Suresh. (2021). Digital Transformation in Banking Sector. Happiest Minds Technologies. issn: 0303-6286
Bank of America, B. (2024). Online Banking uses industry-standard security protocols. Https://Www.Bankofamerica.Com/. https://www.bankofamerica.com/online-banking/online-banking-security-faqs/?utm_source=chatgpt.com
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Chong, F. H. L. (2021). Enhancing trust through digital Islamic finance and blockchain technology. Qualitative Research in Financial Markets, 13(3), 328–341. https://doi.org/10.1108/QRFM-05-2020-0076
Dahiya, M., & Kumar, R. (2018). A Literature Survey on various Image Encryption Steganography Techniques. ICSCCC 2018 - 1st International Conference on Secure Cyber Computing and Communications, 310–314. https://doi.org/10.1109/ICSCCC.2018.8703368
Danuri Muhamad. (2019). Perkembangan Dan Transformasi Teknologi Digital. Infokam, 15(2), 116–123.
Fang, Y. (2023). The Impact of Digital Finance on Tourism in Putuo Mountain. Advances in Economics, Management and Political Sciences, 55(1), 183–189. https://doi.org/10.54254/2754-1169/55/20231005
Filchev, R., Dovramadjiev, T., Dimova, R., & Parushev, P. (2023). Protection and Transfer of Financial Digital Data Through Open Source Software. Proceedings of the 6th International Conference on Intelligent Human Systems Integration (IHSI 2023) Integrating People and Intelligent Systems, February 22–24, 2023, Venice, Italy, 69. https://doi.org/10.54941/ahfe1002845
Gangele, S. (2024). Data Security System for a Bank Based on Two Different Asymmetric Algorithms Cryptography. International Journal For Multidisciplinary Research, 6(1). https://doi.org/10.36948/ijfmr.2024.v06i01.11710
H. Osman, R. A., Zakariyah, L., Zakariyah, H., & Ahmad Dahlan, A. R. (2021). Cyber Security And Maqasid Al- Shariah: A Case Of Facebook Application. International Research Journal of Shariah, Muamalat and Islam, 3(6), 12–25. https://doi.org/10.35631/irjsmi.36002
Härle, P., Havas, R., Sam, H., & ari. (2016). The future of bank risk management | McKinsey & Company. McKinsey & Company, 1–7.
Imam Riadi, Abdul Fadlil, & Fahmi Auliya Tsani. (2022). Pengamanan Citra Digital Berbasis Kriptografi Menggunakan Algoritma Vigenere Cipher. JISKA (Jurnal Informatika Sunan Kalijaga). https://doi.org/10.14421/jiska.2022.7.1.33-45
Juniawan, F. P. (2016). RSA implementation for data transmission security in BEM chairman E-voting Android based application. Proceedings - 2016 1st International Conference on Information Technology, Information Systems and Electrical Engineering, ICITISEE 2016, 93–98. https://doi.org/10.1109/ICITISEE.2016.7803054
Karim, N. K., Atikah, S., & Lenap, I. P. (2022). Faktor-Faktor Yang Memengaruhi Penggunaan Pembayaran Elektronik Non-Bank. Jurnal Aplikasi Akuntansi, 7(1), 39–59. https://doi.org/10.29303/jaa.v7i1.147
Khalatur, S., Pavlova, H., Vasilieva, L., Karamushka, D., & Danilevi?a, A. (2022). Innovation management as basis of digitalization trends and security of financial sector. Entrepreneurship and Sustainability Issues, 9(4), 56–76. https://doi.org/10.9770/jesi.2022.9.4(3)
Knodel, M., Kolkman, O., Celi, S., & Grover, G. (2021). Definition of End-to-end Encryption. In Internet Engineering Task Force Draft.
Kumar, M., & Gupta, S. (2020). Security perception of e-banking users in India: An analytical hierarchy process. Banks and Bank Systems, 15(1), 11–20. https://doi.org/10.21511/bbs.15(1).2020.02
Kuppuswamy, P., Al-Maliki, S. Q. Y. A. K., John, R., Haseebuddin, M., & Meeran, A. A. S. (2023). A hybrid encryption system for communication and financial transactions using RSA and a novel symmetric key algorithm. Bulletin of Electrical Engineering and Informatics, 12(2), 1148–1158. https://doi.org/10.11591/eei.v12i2.4967
Limoncelli, T. A. (2023). Improvement on End-to-End Encryption May Lead to Silent Revolution. Queue, 21(2). https://doi.org/10.1145/3590144
Mahalle, A., Yong, J., & Tao, X. (2019). Protecting Privacy in Digital Era on Cloud Architecture for Banking and Financial Services Industry. BESC 2019 - 6th International Conference on Behavioral, Economic and Socio-Cultural Computing, Proceedings. https://doi.org/10.1109/BESC48373.2019.8963459
Mohamud, H. A., & Farah, M. A. (2023). The Impact of E-Banking on Commercial Banks: A Literature Review. International Journal of Membrane Science and Technology, 10(5), 504–512. https://doi.org/10.15379/ijmst.v10i5.2535
Mulyana, I., Hamid, A., & Syaripudin, E. I. (2024). Tantangan Dan Peluang Penggunaan Fintech Dalam Perbankan Syariah. Jurnal Hukum Ekonomi Syariah (JHESY), 2(2), 60–69. https://doi.org/10.37968/jhesy.v2i2.639
N Sanchiga Nandhini, & Padmapriya Arumugam. (2023). Digital currency banking using block chain technology. World Journal of Advanced Engineering Technology and Sciences, 8(1), 053–061. https://doi.org/10.30574/wjaets.2023.8.1.0011
Naimi-Sadigh, A., Asgari, T., & Rabiei, M. (2022). Digital Transformation in the Value Chain Disruption of Banking Services. Journal of the Knowledge Economy, 13(2), 1212–1242. https://doi.org/10.1007/s13132-021-00759-0
Nair, S., Khatri, S. K., & Gupta, H. (2019). A Model to Enhance Security of Digital Transaction. 2019 4th International Conference on Information Systems and Computer Networks, ISCON 2019, 17–21. https://doi.org/10.1109/ISCON47742.2019.9036225
Neza, F., Joseph, A., & Joseph, M. (2022). E-Money Security Dilemma: Advanced Cybersecurity Mechanisms and Legacy Mobile Payments in Sub-Saharan Africa. International Conference on Applied Computing 2022 and WWW/Internet 2022, 103–114. https://doi.org/10.33965/ac_icwi2022_202208l013
Orucho, D. O., Awuor, F. M., Makiya, R., & Oduor, C. (2023). An Enhanced Data Transmission in Mobile Banking Using LSB-AES Algorithm. Asian Journal of Research in Computer Science, 16(1), 43–56. https://doi.org/10.9734/ajrcos/2023/v16i1334
Potoglou, D., Dunkerley, F., Patil, S., & Robinson, N. (2017). Public preferences for internet surveillance, data retention and privacy enhancing services: Evidence from a pan-European study. Computers in Human Behavior, 75, 811–825. https://doi.org/10.1016/j.chb.2017.06.007
Pramana, A. M., & Suryani, E. (2024). Analisis Faktor Yang Mempengaruhi Adopsi Digital Banking Di Indonesia Menggunakan Model Utaut2. IDEALIS?: InDonEsiA JournaL Information System, 7(1), 31–40. https://doi.org/10.36080/idealis.v7i1.3114
Pratama, A. P. R. (2021). Penguatan Digitalisasi Perbankan dalam Pelayanan Costumer Service Nasabah Secara Digital di Masa Covid-19. Simbur Cahaya, 28(2), 312. https://doi.org/10.28946/sc.v28i2.1443
Rasheed, R., Siddiqui, S. H., Mahmood, I., & Khan, S. N. (2019). Financial Inclusion for SMEs: Role of Digital Micro-financial Services. Review of Economics and Development Studies, 5(3), 429–439. https://doi.org/10.26710/reads.v5i3.686
Sardana, V., & Singhania, S. (2018). Digital technology in the realm of banking: A review of literature. International Journal of Research in Finance and Management, 1(2), 28–32. https://doi.org/10.33545/26175754.2018.v1.i2a.12
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