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Mobile wireless networks, such as GSM, GPRS or the 3G networks, provide sufficient levels of access control and data encryption. However, for financial transactions, additional security is recommended using Wireless Access Protocol (WAP) security (wireless transport layer security, or WTLS, end-to-end) by having WAP gateways located at the financial institutions or by employing security solutions based on mobile Public Key Infrastructure (PKI). Transactions based on the use of the Short Messaging Service (SMS) typically rely only on the security provided by the mobile network. For additional security, cryptographic techniques based on the Subscriber Information Module (SIM) toolkit may be employed.
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