Evolution of mobile payment systems and level of security awareness among mobile money users in Uganda
by Job Matovu; Drake Patrick Mirembe; Odongo Steven Eyobu
International Journal of Information Technology, Communications and Convergence (IJITCC), Vol. 4, No. 1, 2021

Abstract: This study investigates the evolution of mobile payment systems, desired security requirements and the level of security awareness and practices among mobile money users in Uganda. Through a mix-research approach for data collection and analysis methods, 465 participants responded to the study (460 mobile money users and five cyber security experts). The study revealed that: 1) about 45% of mobile money end customers share personal identification number (PIN) compared to 29% of the agents; 2) majority of mobile money users do not have formal training in cyber security thus lack necessary knowledge and skills to protect their information and transactions; 3) the level of education of mobile money users directly proportional to improved security practices and behaviours. The authentication protocol on withdraw transaction is very weak. The study proposes a role-based security enhancement framework for users of the mobile money system to mitigate these security concerns.

Online publication date: Mon, 22-Nov-2021

The full text of this article is only available to individual subscribers or to users at subscribing institutions.

 
Existing subscribers:
Go to Inderscience Online Journals to access the Full Text of this article.

Pay per view:
If you are not a subscriber and you just want to read the full contents of this article, buy online access here.

Complimentary Subscribers, Editors or Members of the Editorial Board of the International Journal of Information Technology, Communications and Convergence (IJITCC):
Login with your Inderscience username and password:

Username:        Password:          Forgotten your password?

Want to subscribe?
A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe.

If you still need assistance, please email subs@inderscience.com