Mobile phone banking and payments continues to not only be a popular way of transacting business but it also seems to evolve rapidly. Despite its popularity however there seem to be some very genuine concerns on the security issues revolving around it, particularly in regard to man in the middle attacks. This paper seeks to propose a secure framework for communication between a mobile device and the back end server for protecting mobile banking applications from man-in-the-middle attacks without introducing further threats to the communication channel.
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