X9.134 is a multi-part standard addressing interoperable and secure systems for the provision, operation, and management of a Mobile Financial Service (MFS), including the security requirements for development and operation of a mobile application (app) to deliver an MFS, including mobile banking. This X9.134 standard is not a certification standard. This Part 2 of the standard is intended to assist MFS developers and MFS providers (MFSPs) to evaluate and select security mechanisms for an MFS to be managed according to a security policy designed, documented, implemented, and maintained by the MFSP. It is also important for users of an MFS to understand how security requirements and other considerations factor into the mobile environment.