This volume contains the proceedings of the 13th International Conference on Financial
Cryptography and Data Security held at the Accra Beach Hotel and Resort Barbados February
23-26 2009. Financial Cryptography and Data Security (FC) is a well-established int- national
forum for research advanced development education exploration and debate regarding
information assurance in the context of ?nance and commerce. The conference covers all aspects
of securing transactions and systems. The goal of FC is to bring security and cryptography
researchers and pr- titioners together with economists bankers and policy makers. This year
we assembled a vibrant program featuring 21 peer-reviewed research paper pres- tations two
panels (on the economics of information security and on authen- cation) and a keynote address
by David Dagon. Despite a proliferation of security and cryptography venues FC continues to
receive a large number of high-quality submissions. This year we received 91
submissions(75full-lengthpapers 15shortpapersand1panel).Eachsubmission was reviewed by at least
three reviewers. Following a rigorous selection ranking and discussion process the Program
Committee accepted 20 full-length papers 1 short paper and 1 panel. The overall acceptance
rate was 24%.
