Abstract
Online banking continues to grow in popularity due to its convenience, but banks face significant challenges in ensuring secure customer identity verification. Traditional authentication methods such as PINs, passwords, and one-time passwords have shown limitations, especially in the wake of the COVID-19 pandemic, which accelerated the demand for seamless and contactless solutions. Voice biometrics have emerged as a reliable alternative, offering enhanced fraud protection and a more user-friendly experience. In Malaysia, this technology enables customer verification without the need for PINs or security questions. This study proposes an advanced authentication approach that integrates keystroke dynamics and voice biometrics within a multi-factor authentication framework. By leveraging artificial intelligence and fuzzy logic, the system aims to deliver heightened security and a smoother user experience. The goal is to provide Malaysian online banking users with a safer and more secure digital environment.