Workshop: Addressing the Technical Security Challenges of Emerging Digital Financial Services

虽然世界各地较富裕的个人都可以使用无现金支付系统(例如信用卡和借记卡)，但世界上许多穷人没有银行或信贷账户，这些系统由安全和有保险的金融基础设施(例如银行和其他金融机构)管理。新兴的数字金融服务现在被在不同国家运营的公司作为“移动货币应用”提供，并被广泛使用。不幸的是，研究人员发现，其中许多应用程序提供的网络安全保护远远弱于传统金融机构。因此，世界上许多最贫穷的人在不知情的情况下，通过使用保护不力的移动货币应用来冒着金钱的风险。这次研讨会汇集了学术界和工业界的网络安全专家，以及政府政策制定者和非政府组织的代表。与会者将制定并记录移动货币应用程序安全特性的具体技术建议。网络安全研究人员、学生和工程师表示，他们有兴趣为新兴的数字金融服务改善网络安全。通过开发和记录移动货币应用程序安全的具体技术建议，该研讨会将就研发社区可以采取的具体行动提供指导。在确定改善移动货币应用程序网络安全的技术方法的同时，研讨会将鼓励参与者之间进行新的跨学科合作，因为他们共同努力解决这一具有挑战性的问题。

While wealthier individuals throughout the world have access to cashless payment systems (e.g., credit and debit cards) that are managed by a secured and insured financial infrastructure (e.g., banks and other financial institutions), many of the world's poor lack banking or credit accounts. Emerging digital financial services are now offered as "mobile money apps" by companies operating in various countries and are widely used. Unfortunately, the researchers have found that the cybersecurity protections provided by many of these apps are far weaker than those provided by the traditional financial institutions. Thus, many of the world's poorest people unknowingly risk their money by using badly protected mobile money apps. This workshop brings together cybersecurity experts from academia and industry, as well as government policy makers and representatives from non-governmental organizations. The participants will develop and document specific technical recommendations for mobile money app security properties.Cybersecurity researchers, students and engineers have expressed their interest in working to improve cybersecurity for emerging digital financial services. By developing and documenting specific technical recommendations for mobile money app security, this workshop will provide guidance on concrete actions that can be taken by the research and development communities. While identifying technology approaches to improving cybersecurity in mobile money apps, the workshop will encourage new cross-disciplinary collaboration among participants, as they work together to address this challenging problem.