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Mobile Money Security: A Holistic Approach
2013 (English)Independent thesis Advanced level (degree of Master (Two Years)), 20 credits / 30 HE creditsStudent thesis
Abstract [en]

Mobile money usage for transactions is steadily growing across Africa with the potential to revolutionize the cash-dominant economy of this continent to be cashless. With the increased use of mobile money services and number of business use cases designed each day, it is imperative to design a holistic approach to mobile money security that will reduce security exposures and prevent fraud, as some mobile money service providers have lost millions of dollars to this growing threat. This research, therefore examines the measures that mobile network operators providing mobile money services can employ to prevent fraud. The study also discusses the mobile money users’ perception about the linkage between mobile phone protection and security of the mobile money service on their phone. The research was a case study of mobile money security in Ghana and used qualitative and quantitative data collected through questionnaires and structured interviews of key staff of the mobile network operator (MNO). Some of the main findings of this research include the general perception that there is no direct linkage between mobile phone protection and mobile money security. It was further identified that one of the major causes of consumer driven fraud is PIN sharing. In addressing mobile money fraud, it is suggested that the service provider should give mobile money security tips to the users at least twice in a year through short message service (SMS) to alert them of ways to enhance the security of their mobile phones

Place, publisher, year, edition, pages
2013. , 74 p.
Keyword [en]
Technology, Mobile money security, Mobile payment security, Mobile banking security, Mobile money security in Ghana, General uses of mobile money, Mobile money fraud and scams, User Perception about Mobile money security, Linkage between phone security and mobile money security, Mobile phone security, E-Commerce, M-Commerce, M-Payment
Keyword [sv]
URN: urn:nbn:se:ltu:diva-44994Local ID: 2bdc9ba3-e498-4e77-84dd-cb7733f1fd3bOAI: diva2:1018273
Subject / course
Student thesis, at least 30 credits
Educational program
Information Security, master's level
Validerat; 20130916 (global_studentproject_submitter)Available from: 2016-10-04 Created: 2016-10-04Bibliographically approved

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Afanu, Eric KodjoMamattah, Raymond Selorm

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