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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.
Penguatan Kompetensi Digital Berstandar Microsoft Office Specialist (MOS) bagi Guru MA Annida Al-Islamy Luqman; Hendra Jatnika; Rakhmadi Irfansyah Putra; Yudhi Setyo Purwanto; Ocha Nia Martcya Situmorang; M. Rafif Soniansyah; Fakhri Faros
JURPIKAT Vol 7 No 1 (2026): 7.1 2026
Publisher : Politeknik Piksi Ganesha Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/jurpikat.v7i1.3006

Abstract

This Community Service program aims to strengthen the digital competence of teachers at MA Annida Al-Islamy through Microsoft Office Specialist (MOS) certification preparation. The primary issue identified was the basic level of office application mastery, which fell below global standards. The method involved preliminary surveys, needs analysis, material preparation, hands-on technical workshops based on participant interests (Word, Excel, PowerPoint), and evaluation. Results from 15 participants showed significant success, with an average perceived competence improvement of 92.4%. Additionally, over 85% of technical challenges during trivia sessions were answered correctly. Program outputs, including digital modules and video tutorials, were provided to support sustainable self-paced learning. This training effectively enhanced educators' technical readiness and confidence in meeting international competency standards.