Security issues with Internet Banking (IB) still exist due to unauthorized access to user accounts. Single-use PINs are used as one form of authentication. Identity broker users are exposed to security risks such as shoulder surfing, hacking, and phishing. As an alternative to a PIN, fingerprint matching (FPM) has the same drawback as fingerprints on unique mobile devices. A survey we conducted Specifically, in the central branch of the Iraqi Rafidain Bank in Baghdad, on 150 consumers. Most of them (84.4%) prefer biometric authentication techniques. In this paper, we propose an integrated two-level (2L) authentication technique. The user logs into their IB portal at the first level using either a PIN or FPM. Facial recognition technology is used to authenticate users at the second level Among the benefits of the second level of electronic authentication in Iraqi banks are 2L equals 3: (1) FR guarantees the legitimacy of the user independently of the login method; (ii) transactions are secured more effectively through sensitivity rating of banking products; and (3) it is important to understand different user preferences for authentication. Thus, adopting this model can improve banking experiences in terms of enhancing security and providing fair service.