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

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digital infrastructure

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paper

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Nya

Éditeur:

Uni

Éditeur:

Uni

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

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