Modelling the phishing avoidance behaviour among internet banking users in Nigeria: The initial investigation

The positive usage of Internet Technology advantage had inspired the banking sector in Nigeria to invest in digitalizing the banking platform, which has been a move towards the usage of IB for financial services; however, such move also implies an increase opportunity for Phishing Attacks (PA). Despite this huge enhancement, the ratio of usage has been relatively low, among IB users in Nigeria. This evidence indicates that there is an urgent requirement to investigate the factors behind the issue. Therefore, this study is conducted to develop a conceptual model based on Technology Threat Avoidance Theory (TTAT) and Modified TTAT to evaluate the PA among IB users in Nigeria and to enhance avoidance behaviour. As the study is still in the early stage, this paper will present the initial investigation that leads to the development of the conceptual model, including the background of the study, literature review and research methodology that the study wishes to employ. Finally, this study seeks to contribute some understandings on how the new Conceptual Model can predict the success of phishing avoidance behaviour among Nigerian IB users