Security testing for USSD- and STK-based digital financial services applications
In this issue
Digital Financial Services providers have increasingly utilized Unstructured Supplementary Service Data (USSD) and Sim Tool Kit channels to enhance the growth and adoption of Digital Financial Services (DFS), primarily in the developing world. It is estimated that over 90 per cent of mobile money transactions in Africa are driven by USSD. This document proposes best practices for DFS providers, Mobile Network Operators, and other users of these environments.
