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There is always a need to transfer money from one user to another for either payment of services or settlement of business transactions and so on. Research has shown that traditional money transaction systems are prone to attacks through falsified deposit slips and drafts, theft of debit cards, forgery of signatures, use of false cheques and so on. Electronic money transaction is a payment performed from an electronic device which enables users to have access to their money anywhere and at any time with the aid of a network but not adequately secured. This application offers a platform independent of securing and transferring money using data masking and an enhanced base64 algorithm from one account to another. The study improves on existing money transfer and transaction systems by achieving a secured mobile money transaction system with masked and encrypted financial details both on the mobile application and also on the short message service application (Text Message Notification) sent to user’s platform which makes it difficult for third party to intercept and understand.

A Secured Mobile Money Transaction Using Data Masking and Enhanced Base64 Algorithm