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Mobile-based branchless banking has become one of the key mechanisms for extending financial services to low-income populations in the world's developing regions. One shortcoming of today's branchless banking systems is that they rely largely on network-layer services for securing transactions and do not implement any application-layer security. Recent results show that several of these systems are, in fact, not end-to-end secure. In this paper, we make the case for designing mobile-baseddoi:10.1145/2184489.2184496 dblp:conf/wmcsa/Panjwani11 fatcat:53jylvdigvhzlbf42t56knhbdm