Abstract Online users now make use of internet banking as a major platform for making payments of products online. Cybercriminals are using newer and more advanced methods to target online users. One of the fastest-growing threats and attacks in the world today is Man-in-the-Browser (MITB) attacks. As they advance in technology continues to influence the way society makes payment for goods and services, then more advanced security approach is required for transaction authentication on the internet. This dissertation provides a more secure authentication for online transaction using an enhanced security approach that uses an Antiform grabbing technique to encode user inputs to random characters, JSON Web Token (JWT) to provide and secure safe passage of information between two parties, a One Time Password (OTP) token for authentication and the use of Email as another verification channel from the server to combat MitB attacks. ..