An Exploratory Study on Policy Transfer for SIM Card Registration in Malawi

Makoza, Frank

doi:10.4018/ijtd.2015010102

Cited by 2 publications

(2 citation statements)

References 23 publications

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“…The results show that the introduction of mandatory registration depresses growth in mobile penetration. Further, the potential impact of compulsory registration on competition and consumer privacy is critically discussed (8,9) . Subscribers of mobile telephony services in Africa in the early 2000s did not have to register their SIM.…”

Section: Literature Reviewmentioning

confidence: 99%

“…The danger here is that the subscriber's detail will not be found in the MNO's database in case of fraud or crime. Moreover, when there is a loss of SIM, the subscriber is expected to prove his identity, which usually does not match the information on the pre-registered SIM (9,10) . On the other hand, false identity is when subscribers provide fake personal data during the registration process (11) .…”

Section: Unapproved Form Of Sim Registrationmentioning

confidence: 99%

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A Fraud Prevention and Secure Cognitive SIM Card Registration Model

Boateng¹,

Nkrumah²,

Boafo³

et al. 2022

IJST

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Background: Most subscriber identification module (SIM) which usually finds their way to mobile phone users are primarily unregistered or pre-registered. Criminals buy these SIM cards, which have fake personal information, activate them and then use them as a channel of attacking vulnerable mobile phone users. Objective: to investigate the existing standards of the registration process, the weakness and how fraudsters leverage the shortcomings of the existing registration to attack unsuspecting subscribers. Methods: The study also proposed an automated theoretical model as an augmented model to ensure the SIM registration process and implementation become secure. Results: In our investigation, we identified that there had been a rise in fraudulent activities in Ghana, and the criminals have adapted to the new trend of committing a crime using mobile phones. The research presented a proposed conceptual model and algorithm for the new SIM registration. The study further conducted a comparative analysis of the principal component adopted to measure the robustness of the registration platform. The criminals mostly use social engineering tactics to trick their victims into disclosing sensitive information or sending money for services yet to be rendered. MNOs request an ID card before registering and activating SIMs, yet criminals can outwit the registration processes and get SIM cards registered through unapproved channels. Conclusion: We found out that the robustness of our model shall prevent SIM pre-registration and unapproved SIM activation due to verification mechanisms in the proposed model. A cognitive learning https://www.indjst.org/

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Section: Literature Reviewmentioning

confidence: 99%

Section: Unapproved Form Of Sim Registrationmentioning

confidence: 99%

A Fraud Prevention and Secure Cognitive SIM Card Registration Model

Boateng¹,

Nkrumah²,

Boafo³

et al. 2022

IJST

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Digital Financial Services: Prospects and Challenges

Niekerk¹,

Phaladi²

2021

PER

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Digital financial services (DFSs), being financial services accessed and delivered through digital channels, have grown rapidly in South Africa as well as globally. The adoption of the technology for DFSs has led to an increase in financial inclusion, enabling more individuals and businesses to have access to useful and affordable financial products and services, where payments, savings, credit, investment and insurance are included. Through the Financial Sector Regulation Act 9 of 2017 financial inclusion was statutorily enacted for the first time. The regulators are now empowered to insist that financial institutions take proactive steps to expand financial inclusion and can take the necessary steps to enforce these powers. One of the factors that have an influence on whether consumers will adopt DFSs is consumers' perspectives of DFSs. Lack of information and knowledge combined with the cost of data negatively influences the adoption of DFSs. The transfer of information to unbanked people in South Africa with regards to DFSs should be enhanced by the state as it strives to improve financial literacy. DFSs are susceptible to financial crimes like fraud, money laundering, terrorist financing, bribery, corruption and market abuse. The challenges that threaten the interests of customers should be addressed by stricter information verification methods when transacting with clients online. Technological detectors and digital identification should be used more effectively to verify customers and to alert authorities to suspicious transactions. Financial institutions might consider authenticating online transactions by thumb-print or a voice recognition system. This paper emphasises that because of the prospects of greater and deeper financial inclusion in South Africa, the use of DFSs has to be improved and developed and the challenges have to be constructively addressed to unleash the true potential thereof.

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An Exploratory Study on Policy Transfer for SIM Card Registration in Malawi

Cited by 2 publications

References 23 publications

A Fraud Prevention and Secure Cognitive SIM Card Registration Model

A Fraud Prevention and Secure Cognitive SIM Card Registration Model

Digital Financial Services: Prospects and Challenges

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