Analytical study on users' awareness and acceptability towards adoption of multimodal biometrics (MMB) mechanism in online transactions: a two-stage SEM-ANN approach.

The study analyses user awareness of multimodal biometrics and its acceptability for online transactions in the current dynamic world. The study was performed on the five underlying perspectives: User Acceptability, Cognizant Factors towards Biometrics, Technological factors, Perceptional Factors (Fingerprints, Iris, Face Recognition and Voice) and Data Privacy Factors. A questionnaire was prepared and circulated to the 530 biometrics users; on that basis, the corresponding answer was obtained for analysis. SEM is first employed to gauge the research model and test the prominent hypothesized predictors, which are then used as inputs in the neural network to evaluate the relative significance of each predictor variable. By considering the standardized significance of the feed-for-back-propagation of ANN algorithms, the study found a significant effect of DPF_3 (93%), DPF_2 (50%) and DPF_4 (34%) on the adoption of MMB. In the Perceptional construct, PRF_2 (49%) and PRF_3 (33%) was relatively the most important predictor, whereas, in User Acceptability, UAC_2 (37%), UAC_3 & UAC_5 (41%) was vital to be considered. Only one item, TCF_2 (35%), from Technological Factors, followed by Cognizant factors, i.e., CFG_1 (33%), confirmed the best fit model to adopt MMB. The research is a novel effort when compared to past studies as it considered cognizant and perceptual factors in the proposed model, thereby expanding the analytical outlook of MMB literature. Thus, the study also explored several new and valuable practical implications for adopting multimodal instruments of biometrics along with certain limitations.