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.
