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The mobile phone has evolved tremendously through the years. From being a simple device used to make calls and send text messages, it has now accumulated other functions like a video and audio player, a portable digital camera and even payment gateway that can be used to complete transactions. One valid concern that people have would be how the data is being secured during mobile payments. Does it have a security protocol similar to the encryptions of real computer systems? The short answer is yes and this is handled by a system called TSM – trusted service manager. When a customer does a mobile phone payment, the device does not go directly to the bank mainframe to complete the transfer. Instead, data is relayed first to the TSM to ensure that all needed security protocols are followed to be certain that it gets to its intended destination without being intercepted or tampered by external entities.