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UPI Based Mobile Banking Applications – Security Analysis and Enhancements

UPI Based Mobile Banking Applications – Security Analysis and Enhancements 

Android Projects
Mobile Banking service allows end user to perform remote banking transactions (both financial and non-financial) from his/her current location using the hand held mobile device anywhere-anytime. A variety of technology specific mobile banking solutions like IMPS (Immediate Payment Service), USSD (Unstructured Supplementary Service Data), SMS (Short Messaging Service) and UPI (Unified Payment Interface) [8] based app solutions (like BHIM (Bharat Interface for Money), GooglePay (Tez), PhonePe and Bank specific apps like SBIPay, AxisPay, iMobile, Mobile Money etc) are available to perform regular banking operations (like fund transfer, cheque request etc) and other payment [14,15] operations in m-shopping, metro card recharge, loan/credit card payment. Number of features and security level offered, varies with every application and are dependent on the mobile device capability, its operating system and internet connectivity. USSD and SMS based banking operations are suited to low end non-smart phone devices without internet connection. USSD service is offered in association with the Mobile Network Operators (MNO’s). Though there are few security concerns in mobile banking applications, they are still preferred by everyone, because of its well-known advantages like fast, easy to use, convenient to pay bills, portable, available etc. Even banks promote mobile banking [1] as it helps to handle more customers with improved customer services at reduced operational cost without compromising on service quality. Banks also offer discounts, gifts etc., to promote mobile banking. Following are some of the common terms used in mobile payment types. VPA: Virtual Private Address.

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