On Online Banking Authentication for All: A Comparison of BankID Login Efficiency Using Smartphones Versus Code Generators.

Authentication is an essential component of any digital service. In Norway, such authentication is often relying on BankID using either mobile BankID or a code generator. This study set out to explore the efficiency of these authentication user interfaces. A mixed experiment involving 20 users was conducted. The results show that the code generator is faster, but for individuals with a preference for mobile BankID the difference is insignificant. Individuals with a preference for code generators take significantly longer time to use BankID.