Mobile tokenisation enables replacing a customer’s mobile phone number with a non-sensitive equivalent (referred to as a token) when they use digital services. The solution is expected to benefit women in particular by providing them with greater privacy and security.
In low- and middle-income countries (LMICs), the wide-ranging benefits of mobile technology are evident in the everyday life of underserved communities. Mobile enables access to voice and communication services, and provides a preferred, and often first, entry to the internet. More so, in many markets, mobile phones enable access to formal financial services like mobile money, which in turn unlocks access to a variety of life-enhancing services and utilities.
However, as mobiles become ubiquitous and functionalities increase in sophistication, not all user groups are afforded the same level of access or can enjoy the benefits of being connected. This is particularly prevalent for women, as a significant gender gap in mobile phone ownership and usage in LMICs means women are missing out.
In emerging markets, customers’ phone numbers are commonly also their personal account identifiers for digital services. The personal phone number is often disclosed when interacting with service agents, merchants or other people, for instance when they purchase airtime or make financial transactions.
Tokenisation is a technology in which a sensitive data element is substituted with a non-sensitive equivalent, or “token”, that has no exploitable meaning or value.
Tokenisation of mobile phone numbers can improve security, not only for women, but for all customers interested in keeping their number private. It can contribute to achieving gender equality and empowering all women and girls in line with UN Sustainable Development Goal 5.