People use online banking websites daily to handle most if not all their transactions. Effective and usable security is critical to provide a more secure browsing experience and to guard users from a plethora cyber-attack. The effectiveness of these security features that are provided do not only depend on how the security interface is designed, but also from the user’s understand and background. This is because people’s perception of reality or in this case the virtual world, are only based on what they know since we humans base everything we see daily to our past experiences and knowledge. Apparently, not much attention has been given to user’s perception on usable aspect of online banking. This is essential because if they do not understand the meaning of the presented features such as help function, security explanation and technical terminologies, they will not be able to use it in a secure and effective manner.

Therefore, online banking websites needs to provide security and protection by also taking into account the usability of the security features to effectively protect their intended customers. Apart from that, most of the security guidelines available are intended for general security guidelines and none of them focuses specifically on the usable security aspects of online banking. This work aims to bridge the gap by understanding the users’ perception on dealing with security features in online banking from the online survey. Then, this work is supported with thorough interview to gain further insights about how security features can be further improved. Finally, a usable security prototype is designed as a proof of concept and usable security guidelines is proposed at the end. It is expected this prototype able to ease user’s burden and challenges in dealing with security features and technologies.