Chapter ONE

: Introduction 1.1 Introduction
1.2 Background of Study
1.3 Problem Statement
1.4 Objective of Study
1.5 Limitation of Study
1.6 Scope of Study
1.7 Significance of Study
1.8 Structure of the Research
1.9 Definition of Terms

Chapter TWO

: Literature Review 2.1 Evolution of Authentication Systems
2.2 Two-Factor Authentication Concepts
2.3 PIN-based Authentication
2.4 SMS Password Authentication
2.5 Strengths and Weaknesses of Two-Factor Authentication
2.6 Implementation Challenges of Two-Factor Authentication
2.7 Best Practices in Two-Factor Authentication Systems
2.8 Case Studies on Two-Factor Authentication in ATMs
2.9 Regulatory Requirements for ATM Security
2.10 Future Trends in Two-Factor Authentication Technologies

Chapter THREE

: Research Methodology 3.1 Research Design
3.2 Data Collection Methods
3.3 Sampling Techniques
3.4 Data Analysis Procedures
3.5 Ethical Considerations
3.6 Pilot Study
3.7 Instrumentation
3.8 Validity and Reliability

Chapter FOUR

: Discussion of Findings 4.1 Overview of Research Results
4.2 Analysis of Two-Factor Authentication Implementation
4.3 Comparison of PIN and SMS Password Effectiveness
4.4 User Acceptance and Satisfaction Levels
4.5 Security Vulnerabilities and Mitigation Strategies
4.6 Impact on ATM Transaction Processing
4.7 Recommendations for Enhancing Authentication Systems
4.8 Future Research Directions

Chapter FIVE

: Conclusion and Summary 5.1 Summary of Findings
5.2 Conclusion
5.3 Implications of the Study
5.4 Contributions to Knowledge
5.5 Recommendations for Practitioners
5.6 Recommendations for Future Research