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ITU-T Focus Group Digital Financial Services
                                              Technology, Innovation and Competition



               References

               The following ITU-T Recommendations and other references contain provisions which, through reference in
               this text, constitute provisions of this Recommendation. At the time of publication, the editions indicated were
               valid. All Recommendations and other references are subject to revision; users of this Recommendation are
               therefore encouraged to investigate the possibility of applying the most recent edition of the Recommendations
               and other references listed below. A list of the currently valid ITU-T Recommendations is regularly published.
               The reference to a document within this Recommendation does not give it, as a stand-alone document, the
               status of a Recommendation.

               [1]  B. Reaves, N. Scaife, A. Bates, P. Traynor, K.R.B. Butler, Mo(bile) Money, Mo(bile) Problems: Analysis of
                    Branchless Banking Applications in the Developing World, in: 24th USENIX Security Symposium (Security’15),
                    Washington, DC, USA, 2015. https:// www. usenix. org/ system/ files/ conference/ usenixsecurity15/ sec15-
                    paper- reaves- mobile_ 0. pdf .

               [2]  T. Gendrullis, M. Novotný, A. Rupp, A Real-World Attack Breaking A5/1 within Hours, in: Cryptographic
                    Hardware and Embedded Systems – CHES 2008, Springer Berlin Heidelberg, 2008: pp. 266–282.
               [3]  P. Papantonakis, D. Pnevmatikatos, I. Papaefstathiou, C. Manifavas, Fast, FPGA-based Rainbow Table
                    creation for attacking encrypted mobile communications, in: 23  Internaional Conference on Field
                                                                           rd
                    Programmable Logic and Applications (FPL), 2013. http:// ieeexplore. ieee. org/ document/ 6645525/
               [4]  K. Nohl. Rooting SIM Cards. BlackHat, July 2013. https:// srlabs. de/ rooting- sim- cards/
               [5]  US CERT. OpenSSL 'Heartbleed' vulnerability (CVE-2014-0160). https:// www. us- cert. gov/ ncas/ alerts/
                    TA14- 098A
               [6]  [ITU-T X.800] Recommendation ITU-T X.800 (March 1991), Security Architecture for Open Systems
                    Interconnection for CCITT Applications.
               [7]  [ITU-T X.805] Recommendation ITU-T X.805 (January 2004), Security architecture for systems providing
                    end-to-end communications.
               [8]  [ITU-T Y.2740] Recommendation ITU-T Y.2740 (January 2011), Security requirements for mobile remote
                    financial transactions in next generation networks.
               [9]  [ITU-T Y.2741] Recommendation ITU-T Y.2741 (January 2011), Architecture of secure mobile financial
                    transactions in next generation networks.
               [10]  J.Rutkowska.“Evil Maid goes after TrueCrypt!” October 2009. http:// theinvisiblethings. blogspot. com/
                    2009/ 10/ evil- maid- goes- after- truecrypt. html
               [11]  Halderman, J. A., Schoen, S. D., Heninger, N., Clarkson, W., Paul, W., Calandrino, J. A, & Felten, E. W. (2009).
                    Lest we remember: cold-boot attacks on encryption keys. Communications of the ACM, 52(5), 91-98.

               [12]  Ukrainian National Commission for the State Regulation of Communications and Information, Verification
                    of Telecommunications Compliance, May 2014.

               [13]  National Institute of Standards and Technology, Publication 800-171 “Protecting Uncontrolled Unclassified
                    Information in Nonfederal Information Systems and Organizations”

               [14]  PCI Data Security Standards Council, PCI Data Security Standards Requirements v3.1.
               [15]  Carol Coye Benson, Charles Niehaus, Mina Mashayekhi, Nils Clotteau, Trevor Zimmer, Bruno Antunes, Yury
                    Grin, Peter Potgieser, Quang Nguyen, Graham Wright, Nathalie Feingold, Ashwini Sathnur, Johan Bosini,
                    Jeremy Leach, Oksana Smirnova, Evgeniy Bondarenko, May 2016: ITU-T Focus Group Digital Financial
                    Services Technical Report: The Digital Financial Services Ecosystem.











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