Every day, millions of people rely on mobile phones to send money, pay bills, purchase goods and access financial services. While mobile payments have transformed financial inclusion, the Personal Identification Number (PIN) remains one of the most critical and vulnerable lines of defence.

A PIN can be exposed through shoulder surfing, social engineering, unauthorized observation or careless handling during transactions. Once compromised, it may provide an attacker with an opportunity to access a user's mobile financial account and potentially cause significant financial loss.

SafePIN is an innovative mobile payment security solution designed to strengthen the protection of PIN-based transactions. The system focuses on reducing the risk of PIN exposure and unauthorized access while maintaining a simple and convenient payment experience for users.

The innovation introduces an additional security layer around the process of entering, handling and authenticating a user's PIN. Rather than treating the PIN as an ordinary static credential, SafePIN is designed to make it more difficult for unauthorized individuals to observe or misuse sensitive authentication information.

SafePIN was created by Freobell Kiplangat Cheruiyot, an innovative cybersecurity technology creator and visionary.