User perceptions of security and usability of single-factor and two-factor authentication in automated telephone banking - researchr publication

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Nancie Gunson, Diarmid Marshall, Hazel Morton, Mervyn A. Jack. User perceptions of security and usability of single-factor and two-factor authentication in automated telephone banking. Computers & Security, 30(4):208-220, 2011. [doi]

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