Biometric Management System for Enhancing ATM Security and Loan Acquisition Capabilities

Abstract

This study presents the development of a biometric-based ATM Management System designed to enhance user security and facilitate loan acquisition through self-service banking. Traditional ATM systems rely heavily on PIN-based authentication, which exposes users to risks such as identity theft, card fraud, and unauthorized access. Furthermore, these systems typically do not offer mechanisms for direct loan processing, especially in regions with high numbers of unbanked individuals. To address these gaps, the proposed system integrates fingerprint biometric verification with a simplified loan acquisition process. A mixed-method research approach was employed to assess user needs and validate the technical solution. The system was developed using Java and SQLite, and followed the waterfall software development model. Functional and usability testing were conducted among a sample group of 30 participants. Results demonstrated notable improvements in processing efficiency, system reliability, and end-user satisfaction. This solution provides a pathway toward safer, more inclusive ATM infrastructure and offers a viable model for modernizing financial service delivery in developing regions.