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Abstract There is a continuously growing number of customers using Internet banking because of its convenience. Banks also encourage their customers to use Internet banking since it can lower banks’ costs. Online systems which provide banking services need to offer strong security because of the confidential information involved, as well as attacks against Internet banking. Internet banking system, as a client server system, consists of three layers. These are user terminal, communications channel, and Internet banking. Security of Internet banking systems includes the following requirements: providing a secure communication channels, preventing and detecting of attacks against Internet banking server, and authenticating the user terminal. There are several methods used to provide the security for each layer. The Secure Sockets Layer (SSL) is the commonly used protocol for managing the security of communication channel. Installing firewall and antivirus is commonly-used for protecting the Internet banking server. This thesis is concerned with authenticating the user terminal. There are several methods used to authenticate the user. There are shared secrets, hardware token, Crypto-Biometric authentication, |