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ABSTRACT Traditional Alphanumeric Password Schemes Are Widely Used In Banking Systems But Remain Highly Vulnerable To Attacks Such As Shoulder Surfing, Where Attackers Directly Observe Or Record User Credentials During The Login Process. This Compromises Security And Erodes User Trust. To Address These Challenges, This Work Proposes A Shoulder Surfing Resistant Graphical Password Authentication System Tailored For Banking Applications. Unlike Conventional Text-based Methods, The Proposed System Employs Graphical Images, Patterns, And Randomized Challenges To Enhance Both Usability And Security. Users Authenticate By Selecting Or Interacting With Images Through Dynamic Interfaces That Change During Each Login Attempt, Significantly Reducing The Risk Of Observation-based Attacks. The System Integrates Encryption Techniques To Secure Password Data And Ensures Compatibility With Existing Banking Infrastructures. By Combining Resistance To Shoulder Surfing With Improved Memorability And User Experience, The Proposed Approach Provides A Robust Authentication Mechanism, Thereby Strengthening Security In Modern Banking Systems.