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All Journal International Journal of Electrical and Computer Engineering Jurnal Teknoinfo Petir Kilat INTEK: Informatika dan Teknologi Informasi Journal of Information Systems and Informatics TERANG : Jurnal Pengabdian Pada Masyarakat Menerangi Negeri Aviation Electronics, Information Technology, Telecommunications, Electricals, and Controls (AVITEC) Jurnal E-Komtek JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Journal Social Science And Technology For Community Service
Rakhmadi Irfansyah Putra
Institut Teknologi PLN
Aerospace Engineering Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Public Health Social Sciences Other

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Zero Trust Multi-Factor Authentication for Secure Digital Payments: Design and Implementation Farrel Alfared Carasiola; Rakhmadi Irfansyah Putra
Aviation Electronics, Information Technology, Telecommunications, Electricals, and Controls (AVITEC) Vol 8, No 2 (2026): August
Publisher : Institut Teknologi Dirgantara Adisutjipto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28989/avitec.v8i2.4114

Abstract

Digital payment security requires robust access protection against unauthorized login attempts, credential misuse, and device-based threats. This study designs and implements a Zero Trust architecture-based Multi-Factor Authentication (MFA) prototype to strengthen access control in digital payment applications. The proposed system integrates password-based authentication, Time-Based One-Time Password (TOTP), device-trust evaluation, adaptive step-up authentication, rate limiting, and audit logging in a single authentication workflow. The novelty lies in integrating Zero Trust principles with MFA and device-based contextual verification, so access decisions consider both user credentials and device trust. The prototype was implemented using a client-server architecture with Flask as the backend and PostgreSQL as the database. Evaluation was conducted using 50 automated test cases across five authentication scenarios: valid registered-device login, invalid password, invalid OTP, new-device login, and expired OTP. The results show that the proposed system achieved 100% detection accuracy, 0% Attack Success Rate (ASR), 0% False Acceptance Rate (FAR), 0% False Rejection Rate (FRR), 100% Authentication Success Rate, and 100% Step-Up Trigger Rate. Performance testing showed an average authentication latency of 197.45 ms with a standard deviation of 5.18 ms, indicating stable and responsive authentication performance. A preliminary usability assessment also indicated that the login, TOTP verification, and step-up authentication workflow remained understandable without unnecessary authentication friction. Overall, the proposed prototype provides a practical baseline for strengthening digital payment access security through Zero Trust-based MFA and context-aware authentication.
Co-Authors Abd. Rasyid Syamsuri Alwi Muhammad Amanda T Supriadi Andi Dahroni Andi Muhammad Fadel Omar Pasha Arfani Lovina Br. Stendel Budi Prayitno Dahroni, Andi Duliades Mirsal Eka Putra Eka Putra Fakhri Faros Farrel Alfared Carasiola Firmansyah, Filan Hendra Jatnika Luqman M. Rafif Soniansyah Mohamad Tanwirul Akbar Muhammad Fadli Pratama Muhammad Fadli Prathama Muhammad fadli Prathama Muhammad Zaid Al-Khair Ocha Nia Martcya Situmorang Palupiningsih, Pritasari Purwanto, Yudhi Purwanto, Yudhi Setyo Rahman, Adith Aulia Rakhmat Arianto Sudirman, M Yoga Distra Tiara Kusuma, Dine Yessy Fitriani Yoga Distira Sudirman Yudi Setyo Purwanto