International Journal of Engineering and Technology

M-banking has emerged as one of the main division of m-commerce. Mobile banking services consists of information inquiry, notifications and alerts, applications and payment transfer. Mobile based application is used for connecting customer handset with bank server for all such services. Current M-banking applications used by banks are facing security challenges for payment transfer banks are using secure payment gateway and other security measures which increases cost and infrastructure for bank but major day-to-day banking applications are inquiries, notifications and alerts. The problem with current banking applications is that they send data directly to customer in plain text form compromising with security. We present SMS based secure mobile banking which enhances security with minimum cost. In this approach bank hides customer transaction data is secure SMS using AES symmetric cryptographic algorithm and send it customer application supported handset. Customer application decrypts data in secure manner.