A Framework for Addressing Mobile Money Security Vulnerabilities in Tanzania


Authors : Kenneth Longo Mlelwa

Volume/Issue : Volume 8 - 2023, Issue 3 - March

Google Scholar : https://bit.ly/3TmGbDi

Scribd : https://bit.ly/3ZBuPOb

DOI : https://doi.org/10.5281/zenodo.7716723

Abstract : The growth of mobile payments gave rise to several security threats to users. These threats are attributed to vulnerabilities due to ignorance, technical issues, inadequate regulations, information about mobile transactions, and lack of formal complaints and redress mechanisms. This study aimed to design a framework to address security vulnerabilities in mobile money services in Tanzania. The study was conducted at Airtel Airtel Money agents and employees in Dar es Salaam, with a sample size of 163 respondents. The results show that 77.9% of respondents said mobile money service is safe. According to the results obtained, despite the safety of mobile money services, threats and vulnerabilities were identified. Users receive calls/SMS requests to perform unintended transactions. Some users experience altering their mobile money balance, using the public internet to perform a transaction, downloading apps from the internet, and downloading data from unknown sites are the potential cause of security vulnerability and threats to mobile money services. The study recommends that mobile money operators design a safe system and raise awareness among users on security aspects. Users are to report any receipt of a call or SMS requesting them to perform an unintended transaction, and stakeholders, customers, and Government cooperate in the design and implement the safe framework for mobile money service.

Keywords : Vulnerabilities, Mobile Money, Threats.

The growth of mobile payments gave rise to several security threats to users. These threats are attributed to vulnerabilities due to ignorance, technical issues, inadequate regulations, information about mobile transactions, and lack of formal complaints and redress mechanisms. This study aimed to design a framework to address security vulnerabilities in mobile money services in Tanzania. The study was conducted at Airtel Airtel Money agents and employees in Dar es Salaam, with a sample size of 163 respondents. The results show that 77.9% of respondents said mobile money service is safe. According to the results obtained, despite the safety of mobile money services, threats and vulnerabilities were identified. Users receive calls/SMS requests to perform unintended transactions. Some users experience altering their mobile money balance, using the public internet to perform a transaction, downloading apps from the internet, and downloading data from unknown sites are the potential cause of security vulnerability and threats to mobile money services. The study recommends that mobile money operators design a safe system and raise awareness among users on security aspects. Users are to report any receipt of a call or SMS requesting them to perform an unintended transaction, and stakeholders, customers, and Government cooperate in the design and implement the safe framework for mobile money service.

Keywords : Vulnerabilities, Mobile Money, Threats.

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