• Vaishnavi .V. Kulkarni
• Sanjeevakumar M. Hatture

Digital India initiatives envisage the e-commerce and digital money transactions to the network society which make the human life more comfortable. At the same time, intruders/hackers are also attracted to perform unauthenticated and vulnerable activities with people's digital wallets/accounts. Hence it is necessitated to develop an effective security/authentication system to detect and prevent such attacks on the people digital wallets/accounts worldwide. The effective security/authentication system can be built with multi-biometric systems. An effective multimodal biometric system can build with face and iris traits to increase human recognition accuracy and increased security level. Face recognition is the technique for spotting or verifying someone's identification based totally on their appearance. Iris Recognition is a biometric manner of acknowledging human beings by analyzing distinct patterns present in the eyes. In this paper the extensive literature review on face, iris and their fusion is carried-out to identify issues and challenges imposed. The novel methodology is proposed to build multimodal biometric system with hybrid level of fusion and fusion rules employing Adaptive Neuro-Fuzzy Inference System (ANFIS). The scope for the research community is also explored.

Multi-modal biometrics, Face recognition, Iris Recognition, Fusion Levels, ANFIS.

"Face and Iris Based Multimodal Biometric Systems: Issues-Challenges and Open-Research Problems", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.9, Issue 6, page no.k32-k42, June-2022, Available :http://www.jetir.org/papers/JETIR2206A04.pdf

"Face and Iris Based Multimodal Biometric Systems: Issues-Challenges and Open-Research Problems", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.9, Issue 6, page no. ppk32-k42, June-2022, Available at : http://www.jetir.org/papers/JETIR2206A04.pdf