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Improving Mobile Money Security with Two-Factor Authentication

by Adam B. Mtaho
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International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
Volume 109 - Number 7
Year of Publication: 2015
Authors: Adam B. Mtaho
10.5120/19198-0826

Adam B. Mtaho . Improving Mobile Money Security with Two-Factor Authentication. International Journal of Computer Applications. 109, 7 ( January 2015), 9-15. DOI=10.5120/19198-0826

@article{ 10.5120/19198-0826,
author = { Adam B. Mtaho },
title = { Improving Mobile Money Security with Two-Factor Authentication },
journal = { International Journal of Computer Applications },
issue_date = { January 2015 },
volume = { 109 },
number = { 7 },
month = { January },
year = { 2015 },
issn = { 0975-8887 },
pages = { 9-15 },
numpages = {9},
url = { https://ijcaonline.org/archives/volume109/number7/19198-0826/ },
doi = { 10.5120/19198-0826 },
publisher = {Foundation of Computer Science (FCS), NY, USA},
address = {New York, USA}
}
%0 Journal Article
%1 2024-02-06T22:44:08.335905+05:30
%A Adam B. Mtaho
%T Improving Mobile Money Security with Two-Factor Authentication
%J International Journal of Computer Applications
%@ 0975-8887
%V 109
%N 7
%P 9-15
%D 2015
%I Foundation of Computer Science (FCS), NY, USA
Abstract

Security is a leading factor for establishing and maintaining customer trust in mobile money services (MMSs). MMSs in Tanzania rely on the use of Personal Identification Number (PIN) as an authentication method. However, a PIN can be easily guessed, forged or misused. This paper explores security challenges in MMSs and weaknesses associated with the current Mobile Money Authentication (MMA) method. Further, the study proposes the use of two-factor authentication model as an alternative method. The proposed model combines the current approach of using PIN and adds another layer of security that uses fingerprint recognition technology. Evaluation of the proposed model shows that it mitigates security vulnerabilities that exist in the current MMA method.

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Index Terms

Computer Science
Information Sciences

Keywords

Authentication Biometric Fingerprint Mobile Money Services PIN Two-Factor Authentication

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