Abstract: The widespread usage of mobile phones and smartphones in particular is related with the continuous expansion of their functionalities. Mobile banking is an option which gives users the possibility to perform various banking operations (such as account balance inquiry, account transactions, payments and other basic services available daily in banks) through a mobile device such as mobile phone, smartphone or tablet. A key factor for its wider usage is to increase the level of security, which in turn will increase user’s confidence. In this paper, we investigate which of the security features for a safer mobile banking are included in 14 mobile antivirus and security applications for Android OS. In the final assessment are included three additional factors – license, usability and battery usage. On the other hand, based on the main channels for mobile banking (SMS, mobile websites and mobile applications) and the fact that the web browser can be a major source of malware applications, spoofing websites and targeted Trojans, we present how the existence of certain security indicators in mobile web browsers and their recognition would help the user to avoid security attacks. According to the results of our study, we can evaluate and select the combination mobile antivirus and security application - mobile web browser in order to increase user’s confidence in mobile banking.

Keywords: Mobile security, Mobile banking, Mobile Antivirus and Security Applications, Mobile Web Browser.

ACM Classification Keywords: K.4.4 Electronic Commerce – Security

Link:

MOBILE BANKING SECURITY PRACTICES FOR ANDROID USERS

Bonimir Penchev

http://www.foibg.com/ijitk/ijitk-vol09/ijitk09-03-p04.pdf