| dc.description.abstract | One of the recent developments in mobile wireless applications is the introduction of
mobile commerce using mobile devices such as PDAs, cellular phones and notebook pes.
Some of the applications of mobile commerce include Funds Transfer, m-banking, rnbilling
and m-shopping,
The main driving force for the rapid acceptance of mobile devices in business sector is their
capability to provide or get services at any time and any place where there is network
coverage. Moreover rn-cornrnerce has proved to be a cheaper and efficient alternative to
costly traditional commercial services particularly in developing countries such as Kenya.
However as the popularity of these services mcrease, there is great concern on loss of
confidential data transmitted over the insecure wireless network. In this research, we
analyzed existing frameworks for secure mobile funds transfer services in order to adopt or
propose a suitable framework that will be used as a guide for deployment and assessment of
mobile wireless money transfer services. The three core areas that guided our research are:•
Transmission security for electronic money (e-rnoney) in cellular wireless networks.
• Security in SIM-based mobile money transfer applications.
• Policies and regulatory framework governing mobile money transfer services.
To validate the framework, the research methodology employed in this research was mainly
survey. Through stratified random sampling on clustered regions, our sample was drawn
from mobile money transfer subscribers, dealers/agents of Safaricom's M-Pesa and Zain's
Zap mobile money transfer services and the two service providers i.e. Safari com and Zaino
The outcome of our research findings is a validated framework that will serve as a blue
print for the deployment and assessment of m-payment services in the developing countries
where approximately 80% are unbanked. | en |
