Acronyms

API	Application Programming Interface
DFS	Digital Financial Services
GW	Gateway
HCE	Hosted Card Emulation
HLR	Home Location Register
HSM	Hardware Security Module
IMEI	International Mobile Equipment Identity
IMSI	International Mobile Subscriber Identity
ISO	International Organization for Standardization
ITU	International Telecommunication Union
ITU FG DFS	ITU Focus Group on Digital Financial Services
IVR	Interactive Voice Response
MFA	Multi-Factor Authentication
MNO	Mobile Network Operator
MSC	Mobile Switching Centre
MSISDN	Mobile Station International Subscriber Directory Number
MST	Magnetic Secure Transmission
MVNO	Mobile Virtual Network Operator
NFC	Near Field Communication
OS	Operating System
OTP	One Time Password
OWASP	Open Web Application Security Project
PA-DSS	Payment Application Data Security Standard
PCI-DSS	Payment Card Industry Data Security Standard
POS	Pont of Sale
PSD2	Payment Services Directive 2
QR Code	Quick Response Code
RP	Relying Party
SCA	Strong Customer Authentication
SE	Secure Element - A formally certified, tamper-resistant, stand-alone integrated circuit often referred to as a “chip” as defined by the European Payments Council or other recognized standards authority.
SIM	Subscriber Identity Module
SMS	Short Messaging Service
STK	SIM Toolkit
TEE	Trusted Execution Environment
TPP	Third-Party (Payment Service) Providers
TSP	Token Service Provider
UICC	Universal Integrated Circuit Card
URL	Uniform Resource Locator
USSD	Unstructured Supplementary Service Data