Mobile Bank system provides the security based on the most advanced and highly effective technologies of protection against unauthorized access.

Payment transaction and information exchange safety is provided with three factors: use of 3-D Secure technology; encryption and the digital signature while message transfer; use of an extra PIN-code for access to services.

One of key factors of system security is the use of mobile phone not only as payment tool, but also as device for cryptographic protection of data exchange.

All transmission is encrypted using the bank key which is stored in security domain on a SIM-card of mobile phone, and is inaccessible to anybody, except the client and bank.

All messages within payment transactions contain the digital signature that provides the sender authentication and message integrity.

Use of international specifications GlobalPlatform and 3-D Secure provides a high level of safety of the remote transactions.