[This Proceedings paper was revised and published in the 2018 issue of the Interdisciplinary Journal of Information, Knowledge, and Management, Volume 13]

The wide use of online banking and technological advancement has attracted the interest of malicious and criminal users with more sophisticated form of attacks. Therefore, banks need to adapt their security systems to effectively stem threats posed by imposters and hackers, and also provide higher security standards that assure customers of a secured environment to perform their financial transactions. This has brought about the use of authentication techniques that include the mutual secure socket layer authentication embedded with some specific features. This approach was made towards providing a more reliable and complete solution for implementing user multi-level authentication in a banking environment