The VIPPS app is using API SSL certificate pinning to prevent MITM attacks, and the pinned certificate(s) is stored in the APK itself, so it can easily be replaced by our own generated Charles certificate. This allows sniffing the data going from the app to VIPPS servers.

Instructions

First download the APK from somewhere (google it)

Debuild APK
apktool d no.dnb.vipps-1.6.5.apk

Export Charles MITM SSL certificate by going to Help -> SSL Proxying -> Save Charles Root Certificate

Inject Charles certificate into app
cp charles-ssl-proxying-certificate.cer no.dnb.vipps-1.6.5.apk.out/res/raw/prod_priority_1.cer

Put APK back together
apktool b no.dnb.vipps-1.6.5.apk.out -o vipps-modified.apk

Generate debug keystore for signing the new app
echo y | keytool -genkey -v -keystore debug.keystore -storepass android -alias androiddebugkey -keypass android -keyalg RSA -keysize 2048 -validity 10000 -dname "cn=Mark Jones, ou=JavaSoft, o=Sun, c=US"

Sign app with keystore
apksigner sign --ks debug.keystore --out vipps-modified-signed.apk vipps-modified.apk

Enter pw android

Verify signing
apksigner verify vipps-modified-signed.apk

Install new APK to device
adb install vipps-modified-signed.apk

Now just start Charles with SSL proxying enabled and set Charles (your computer’s IP) as the proxy under WIFI settings on the Android device.

Going further - decompiling

brew install dex2jar

d2j-dex2jar -f -o vipps.jar no.dnb.vipps-1.6.5.apk

Use one of the following GUI tools for decompiling and looking at the code:

• https://github.com/skylot/jadx
• http://jd.benow.ca/

None of them are perfect, and some code seems to fail decompiling in both.

Links

• http://stackoverflow.com/questions/21010367/how-to-decompile-an-apk-or-dex-file-on-android-platform
• http://stackoverflow.com/questions/1249973/decompiling-dex-into-java-sourcecode