DETERMINANTS OF MULTI-FACTOR AUTHENTICATION ADOPTION AMONG PAKISTANI INTERNET USERS: A SURVEY-BASED STUDY

Abstract

Multi-factor authentication (MFA) refers to an electronic authentication method that requires the use of more than one key. Despite its effectiveness against cyber threats, the use of MFA is still not widely adopted; the case for Pakistan. This research examines the principal factors influencing the intention of MFA adoption among university students and faculty in Pakistan. Through a structured questionnaire, data was collected from the respondents of the academic institutions. The researchers analyzed six distinct features such as perceived security benefit, perceived ease of use, security awareness, social influence and so on. Using descriptive statistics, reliability testing, and correlation analysis, the data were analyzed. The results show that all five independent variables favorably influence MFA adoption intention. The perceived security advantage and social influence appear to be the most prominent drivers while, the perceived ease of use illustrates the usability challenges users associate with MFA. The research concludes with workable suggestions for educators, service providers, and legislators to promote wider adoption of MFA in Pakistan.

Keywords : Multi-Factor Authentication, Cybersecurity Adoption, Pakistani Internet Users, Security Awareness, Digital Security