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

• Author(s) / Creator(s)

  • Nyaketcho, Doreen

• 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.

• Date created

  2014-01-01

• Subjects / Keywords

  • STK
  • SIM Tool Kit
  • M-Pesa
  • SMS banking
  • GSM

• Type of Item

  Research Material

• DOI

  https://doi.org/10.7939/r3-jnnq-vj22

• License

  Attribution-NonCommercial 4.0 International