Paper Contents
Abstract
In society, rapid advancement in technologyalong with increasing dependence on digitalaccess of information has posed the security oftransactions as one of the most importantaspects. The Automated Teller Machine (ATM)was designed to offer 247 banking service but ishighly threatened by security issues such as cardskimming, pin theft, identity fraud, andunauthorized access. This paper presents arobust and innovative solution to these issuescalled a Fingerprint Based ATM System thatuses biometric verification with customarybanking modes. This hybrid approach is moresecure and accessible for users of financialservices as the members in the digitaltransformation plan in the modern financialsector. The application was implementedutilizing python and Tkinter for the userinterface, while the SQLite was an effectivedatabase to manage users credentials andtransaction logs. The ATM system supports twotransaction modes: conventional card accessand biometric (cardless) fingerprint access. Thedual access approach provides servants offinancial services with flexibility and anincreased range of usability, which increases theATM applications user diversity. Thefingerprint authentication system addresses theglaring weaknesses to pin and card systems inrelation to options with double verification thatis almost impossible to duplicate or exploit.Through a comprehensive testing andvalidation process this system has shownsignificant reductions in ATM fraud,improvement in user authentication andprincipal security in financial dataconfidentiality and integrity. This paperoutlines the design architecture; systemcomponents; software development process;and implications of the implementation ofbiometric systems in the financial industry. Italso highlights future directions including QR based transactions; a cloud-based paymentsystem; and real-time fraud detection.
Copyright
Copyright © 2025 Mohar Singh Gurjar. This is an open access article distributed under the Creative Commons Attribution License.
