Securing Hybrid Financial Architectures: A Lightweight Encryption Protocol for Offline-First Mobile Transactions

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