Hardened Setup of Personalized Security Indicators to Counter Phishing Attacks in Mobile Banking

Application phishing attacks are rooted in users inability to distinguish legitimate applications from malicious ones. Previous work has shown that personalized security indicators can help users in detecting application phishing attacks in mobile platforms. A personalized security indicator is a visual secret, shared between the user and a security-sensitive application (e.g., mobile banking). The user sets up the indicator when the application is started for the first time. Later on, the application displays the indicator to authenticate itself to the user. Despite their potential, no previous work has addressed the problem of how to securely setup a personalized security indicator -- a procedure that can itself be the target of phishing attacks. In this paper, we propose a setup scheme for personalized security indicators. Our solution allows a user to identify the legitimate application at the time she sets up the indicator, even in the presence of malicious applications. We implement and evaluate a prototype of the proposed solution for the Android platform. We also provide the results of a small-scale user study aimed at evaluating the usability and security of our solution.