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Offering transactions through mobile devices has many advantages, such as cashless payments, lower transaction costs, and provide employment opportunities. However, it introduces access security challenges that must be dealt with, which may allow unauthorized access, resulting in theft. This work proposes a framework to improve security on the usage of Mobile Money Services (MMS) by using two-factor authentication (2FA) of PIN and iris biometric authentication method (IRBAM). The rapid application development (RAD) approach was used to develop mobile money applications based on the proposed framework. The proposed framework will improve the security of accessing MMS. [ABSTRACT FROM AUTHOR]