| Summary: | Research shows how M-Commerce has managed to find its way to previously inaccessible parts of the world as a major Information and Communication Technologies (ICT) tool for development due to widespread introduction of mobile phones in remote areas. M-Commerce has offered valuable advantages: anytime, anywhere, more personal, more location-aware, more context-aware, more age aware, always online and instant connectivity. But this is not without its problems, of which security is high on the list. The security issues span the whole M-Commerce spectrum, from the top to the bottom layer of the OSI network protocol stack, from machines to humans. This research proposes a threat-mitigation modular framework to help address the security issues lurking in M-Commerce systems being used by marginalised rural community members. The research commences with a literature survey carried out to establish security aspects related to M-Commerce and to determine requirements for a security framework. The framework classifies M-Commerce security threat-vulnerability-risks into four levels: human behaviour and mobile device interaction security, mobile device security, M-Commerce access channel security, wireless network access security. This is followed by a review of the supporting structures or related frameworks that the proposed framework could leverage to address security issues on M-Commerce systems as ICT4D initiatives. The proposed security framework based on the requirements discovered is then presented. As a proof-of-concept, a case study was undertaken at the Siyakhula Living Lab at Dwesa in the Eastern Cape province of South Africa in order to validate the components of the proposed framework. Following the application of the framework in a case study, it can be argued that the proposed security framework allows for secure transacting by marginalised users using M-Commerce initiatives. The security framework is therefore useful in addressing the identified security requirements of M-Commerce in ICT4D contexts.
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