Strategies for Effective Adoption of Electronic Banking In Nigeria

A major trend in modern industrial and commercial systems is the integration of electronic services into different levels ofbusiness operations. This has resulted into an explosion in the global exchange of monetary value of products and serviceselectronically. The continued upward trend in this electronic revolution is dependents on a number of factors. The aim of thisresearch is to investigate the factors which influence the adoption of e-banking in Nigeria. The research is particularly timelyand urgent considering the new cashless regime of the Nigeria Apex Bank. Key factors impacting e-banking adoptions areidentified from the literature review. The research is structured into research survey using questionnaire, online responsesfrom social websites and face-to-face interviews. The research results provide a foundation for the need for an enhancedadoption of e-banking strategy and for the practical development of e-banking products.Keywords: E-Commerce, Adoption factors, E-payment systems, E-banking, Driver

Phishing the cyberspace: a taxonomic review of a decade-long cyber-pandemic

Phishing attacks is one of the severest cyber-attacks in which both experienced and naYve online users experienced every time It is one attack that open doors for other attacks such as ransomware where critical online assets can come under serious threats. To mitigate the adverse effects of phishing, various countermeasures have been provided by security communities and research institutions. How-ever, the situation has led to an arms race between the phishers and the security solutions thereby necessitating a constant review of existing solutions in the face of newer attack. In this paper, a review of different anti-phishing solutions is dis-cussed from different taxonomy of anti-phishing solutions. The review also provides for open issues that need attention from security communities to reduce the vulnerable gap available for phishers to exploit in current solutions

An empirical evaluation of security tips in phishing prevention: A case study of nigerian banks

To shield users from phishing scams, various online brands send security tips as email, SMS and online posts to their customers. This paper presents the first empirical evidence about the effectiveness of the security tips in phishing prevention from customers' perspective in Nigerian financial sector. We developed anti-phishing questionnaire which captured the basic essence of most security tips messages and formulate two hypotheses. We then test our hypotheses using an experimental method with 247 participants. The experimental method was divided into a Pretest which evaluates our first hypothesis and a Posttest which evaluates our second hypothesis. The results illustrate that most customers do not understand the security tips at statistical confidence interval of 95% using the Mann Whitney Test