Circulars/Notifications - Payment System Department  
 PSPOD Circular No 01 of 2022
April 26, 2022 

The Presidents/CEOs
All Banks/ MFBs/ PSOs/ PSPs/ EMIs

Dear Sir/Madam,

Mobile Applications (Apps) Security Guidelines



        Mobile payment applications (mobile apps) have become an alternate payment channel for a growing number of users. SBP regulated entities have been offering innovative products and services through mobile applications. Consequently, opportunities for the fraudsters to exploit vulnerabilities in mobile apps and defraud the customers have also increased manifold.

2.    In line with international standards and best practices, SBP has developed comprehensive Mobile App Security Guidelines (the “Guidelines”) providing baseline security requirements for app owners in order to ensure confidentiality and integrity of customer data and availability of app services in a secure manner, when developing payment applications for mobile or other smart devices.

3.    App owners shall use these Guidelines for the architecture, design, development and deployment of mobile payment apps and associated environment that consumers use for digital financial services.

4.    App owners shall ensure that their mobile apps and associated infrastructure are compliant with the requirements of these Guidelines latest by December 31, 2022.

Enclosure: Mobile Applications (Apps) Security Guidelines

Yours sincerely,


(Shoukat Bizinjo)
Additional Director

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