Let's Talk Money

Castle, Sam; Pervaiz, Fahad; Weld, Galen; Roesner, Franziska; Anderson, Richard

doi:10.1145/3001913.3001919

Cited by 36 publications

(22 citation statements)

References 16 publications

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“…Castle et al [20] addressed the question of security vulnerabilities in digital financial services (DFS) in developing countries. They first defined a threat model.…”

Section: Related Workmentioning

confidence: 99%

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A Framework for Security Assessment of Android Mobile Banking Applications

Tsobdjou,

Pierre,

Quintero

2024

Comput. Networks Commun.

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Mobile banking applications make users' daily lives easier by allowing them to access banking services, such as balance inquiries and bill payments, anytime and anywhere. Since these applications manage very sensitive financial data, special attention must be paid to data security. Several works in the literature assess the security of mobile banking applications. However, we observe the lack of a widely adopted framework among researchers for assessing the security of mobile banking applications. In this paper, we propose a framework consisting of twenty-six criteria for assessing the security of Android mobile banking applications. These criteria are divided into five categories: mobile device security, data in transit, data storage, cryptographic misuse, and others. Subsequently, we evaluate the proposed framework based on predefined requirements. These requirements are no redundancy, no ambiguity, and comprehensiveness. As a case study, we assess the security of the Android mobile banking applications of seven major Canadian banks. The results show that data in transit is adequately protected by these applications.

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“…Castle et al [20] addressed the question of security vulnerabilities in digital financial services (DFS) in developing countries. They first defined a threat model.…”

Section: Related Workmentioning

confidence: 99%

“…In this section, we define a set of criteria to help evaluate the security of Android mobile banking applications. For this purpose, we integrate security vulnerabilities from previous research [10,12,14,15,16,18,20,21,26,27] and industrial reports [8,9,28,29]. First, we identified the security vulnerabilities cited in previous work.…”

Section: Criteria Setmentioning

confidence: 99%

A Framework for Security Assessment of Android Mobile Banking Applications

Tsobdjou,

Pierre,

Quintero

2024

Comput. Networks Commun.

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“…Vulnerability of mobile money through “thin-sim” attacks is explored by Phipps [ 32 ]. The problem of security of mobile apps is evaluated by Reaves [ 33 ], and later by Castle [ 5 ].…”

Section: Related Workmentioning

confidence: 99%

Understanding mobile money grievances from tweets

Shah

Mare

Anderson

2019

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development

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Access to financial services through a mobile phone, known as Mobile Financial Services (MFS), creates an opportunity to expand the reach of financial services to the 1.7 billion unbanked adults worldwide. Nevertheless, MFS adoption has been inconsistent, which motivates a need to identify the challenges that MFS users confront in different countries. In this work, we explore the Twitter as a potential data source to understand such challenges. More broadly, we assess whether (and how) publicly available Twitter data can augment the findings of expensive, large-scale research studies on MFS barriers. Our Qualitative Content Analysis of 9,000 mobile money grievance tweets that were extracted from 54 MFS customer care twitter feeds across six countries reveals service and access issues, incorrect transactions, and fraud as three main challenges MFS users report on Twitter. We discuss the nuances around these challenges and the substantial differences between the common issues reported in different countries. Ultimately, we conclude that Twitter data can elucidate the challenges of MFS adoption and also that it can augment the results of other types of MFS studies.

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“…DFS have been analyzed both from a technical perspective [10,11] and from a social perspective [46]. Researchers have also explored how technology can support the usage of DFS through designing user interfaces that enable money transfer [32] and improve the learnability of money transfer smartphone applications [20].…”

Section: Digital Financial Services and Financial Hcimentioning

confidence: 99%

Knowledge, Access, and Decision-Making

Ibtasam

Razaq

Anwar

et al. 2018

Proceedings of the 1st ACM SIGCAS Conference on Computing and Sustainable Societies

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In resource-constrained economies, lack of financial participation prohibits women's economic empowerment and opportunities to improve circumstances. With the advent of Digital Financial Services (DFS), a growing emphasis has been placed on the possible positive impact of DFS on lives of individuals. However, for people to understand, adopt, and use DFS, they require certain prerequisites and enablers. In this paper, we use a mixed methods approach to analyze the gendered barriers in the readiness for and adoption of DFS as well as the impact of gendered roles in curtailing or enhancing the same. We present our analysis of 51 semi-structured interviews to evaluate the affordances or, lack thereof, in affordability of funds, authority of transactions, access to technological devices, and agency of social and cultural mobility-all of which are prerequisites to fully utilizing DFS. We discuss the sociocultural and religious context in Pakistan that underpins some of these gendered barriers and the perceived views of both men and women.

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Let's Talk Money

Cited by 36 publications

References 16 publications

A Framework for Security Assessment of Android Mobile Banking Applications

A Framework for Security Assessment of Android Mobile Banking Applications

Understanding mobile money grievances from tweets

Knowledge, Access, and Decision-Making

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