STK implementation in SMS banking in M-Pesa -Kenya, exploits and feasible solutions

Domain:

digital infrastructure

Record type:

paper

Creator:

Nya

Editor:

Uni

Publisher:

Uni

Host:

STK is used in Kenya to facilitate SMS Banking using primarily GSM phones for transmission of the SMS messages. While providing a valuable banking solution it is not without security risk, some of which has been exploited. This paper will describe the underlying architecture of Kenyan STK based M-Pesa banking, various vulnerabilities will be discussed and methods suggested to overcome them.

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Creative Commons Attribution Non Commercial 4.0 International https://creativecommons.org/licenses/by-nc/4.0/legalcode

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