Stragglers of the herd get eaten: security concerns for GSM mobile banking applications
Proceedings of the Eleventh Workshop on Mobile Computing Systems & Applications
FoneAstra: making mobile phones smarter
Proceedings of the 4th ACM Workshop on Networked Systems for Developing Regions
Usably secure, low-cost authentication for mobile banking
Proceedings of the Sixth Symposium on Usable Privacy and Security
Computing security in the developing world: a case for multidisciplinary research
NSDR '11 Proceedings of the 5th ACM workshop on Networked systems for developing regions
Practical receipt authentication for branchless banking
Proceedings of the 3rd ACM Symposium on Computing for Development
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Mobile-based branchless banking has become one of the key mechanisms for extending financial services to low-income populations in the world's developing regions. One shortcoming of today's branchless banking systems is that they rely largely on network-layer services for securing transactions and do not implement any application-layer security. Recent results show that several of these systems are, in fact, not end-to-end secure. In this paper, we make the case for designing mobile-based branchless banking systems which build security into the application layer and guarantee end-to-end security to system users. We present a threat model which captures the goals of authenticated transactions in these systems and then provide recommendations for solution design based on our model's requirements.