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Mobile Payment and Banking App Security

Protecting Financial Services Apps from the Inside Out

Maintain Customer Trust & App Adoption

Securing mobile payment and banking apps needs to be at the center of every financial institution's development and deployment strategy. Gaining and keeping customer trust is key to maintaining growth rates and protecting brand image. 

Today's Zero Trust World

The FFIEC and ENISA detail threats to the mobile channel resulting from unsecured applications, as well as their potential impacts on customers and institutions. The threats from reverse engineering and app tampering include:

  • Personally Identifiable Information (PII) and password compromises
  • Risks from rooted or jailbroken devices
  • Exfiltration of confidential back-end data

The common threat to all mobile apps is the vulnerability to reverse engineering. Once an app is reversed engineered, bad actors can gain an understanding of how it operates in order to insert malware, identify hardcoded passwords and keys, or steal intellectual property (IP). Next steps can include:

  • Repackaging the app for upload back to the app store to capture login details
  • Fraudulent use of decoded keys and data for user account attacks
  • Back office attacks utilizing keys, data and API knowledge to exfiltrate data

Protect Against App Hacking & Reverse Engineering

  • Binary level code obfuscation to secure code functionality
  • Data and key obfuscation and encryption to protect critical data and keys
  • App integrity checks to verify code status
  • Notifications to alert business of real-time app attacks
  • Detection of rooted or jailbroken devices to alert on OS level threat

Mobile Innovation in Financial Services

Global banks are using Apperian App Management to securely distribute enterprise apps to their corporate employees and banking associates to make them more efficient, engaged, and productive.

Additional Resources

Mobile Payment and Banking App Security

Customer Spotlight: TD Bank Mobile Strategy

With more than 80,000 employees around the world,

Federal Guidelines On Risks Associated With Mobile Banking and Mobile Payment Systems Whitepaper

Mobile Financial Services Guidelines

Federal Guidelines On Risks Associated With Mobile Banking & Mobile Payment Systems


Revised Payment Services Directive (PSD2)

Protect Critical Payment Apps and Achieve PSD2 Compliance

A New Approach to Secure Mobile Banking

Best practices for protecting mobile banking apps

Mobile banking applications present financial institutions with an opportunity for trem

Arxan-protected apps have been securely deployed 1+ billion times

The Arxan Enterprise Solution

Comprehensive and designed to deliver real, sustained value

Multi-Layered Application Protection

Adaptive app and data protection prevents tampering, IP theft and reverse engineering — Learn More

Visibility & Intelligence

Real-time analytics and predictive intelligence against potential threats — Learn More

Advanced Threat Team

Industry-recognized security thought-leaders with more than 50 years of experience — Learn More

Enterprise Customer Success

Comprehensive suite of services, tailored to each enterprise’s singular needs — Learn More