Current Volume 9
Securing Hybrid Financial Architectures: A Lightweight Encryption Protocol for Offline-First Mobile Transactions
Abstract
Moving toward offline-first mobile applications has completely flipped the script on financial software security. When software operates in regions with highly erratic internet connectivity—such as rural self-help groups and microfinance organizations—the application must rely heavily on local device memory as the primary ledger. While this architectural design guarantees constant availability, it creates critical vulnerabilities regarding unencrypted data storage and physical device compromise. This research evaluates a dualtiered security architecture integrated into the React Nativebased "Bharat Bachat" platform. To mitigate local storage risks, the study proposes utilizing AES-128 encryption via SQLCipher. This specific cipher was deliberately chosen over AES-256 to drastically reduce processing overhead and preserve battery life on budget-tier rural smartphones. Additionally, the framework counters network manipulation during asynchronous batch synchronization by employing Hash-based Message Authentication Code (HMAC-SHA256) for strict payload signing. By comparing this protocol against standard plaintext SQLite configurations, we observe substantial improvements in data integrity and security posture without incurring prohibitive performance penalties. Ultimately, this demonstrates that enterprise-level cryptographic measures can be successfully adapted for offline-first, resource-constrained financial environments.
Citations
IRE Journals:
Sanket Sanjay Dhamne, Dr. R. S. Bansode "Securing Hybrid Financial Architectures: A Lightweight Encryption Protocol for Offline-First Mobile Transactions" Iconic Research And Engineering Journals Volume 9 Issue 11 2026 Page 3890-3895 https://doi.org/10.64388/IREV9I11-1718182
IEEE:
Sanket Sanjay Dhamne, Dr. R. S. Bansode
"Securing Hybrid Financial Architectures: A Lightweight Encryption Protocol for Offline-First Mobile Transactions" Iconic Research And Engineering Journals, 9(11) https://doi.org/10.64388/IREV9I11-1718182
About IRE Journals
IRE Journals is an open access online journals established with an aim to publish high quality of research work in various diciplines. We have more than 6 years in publications. Over 2500+ papers already published.
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