Phishing avoidance behaviour among internet banking users in southwest region of Nigeria

Despite the benefits of Internet Banking (IB), its usage among banking users remains low due to Phishing Attacks (PA) regardless of its availability. However, PA continues to harm IB users and banking organizations worldwide causing low usage on IB platforms. Besides, PA remains one of the ultimate...

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Main Author:	Aribake, Fadare Olusolade
Format:	Thesis
Language:	eng eng eng
Published:	2023
Subjects:	T58.5-58.64 Information technology HG Finance
Online Access:	https://etd.uum.edu.my/10867/1/permission%20to%20deposit-embargo%2012%20months-s901492.pdf https://etd.uum.edu.my/10867/2/s901492_01.pdf https://etd.uum.edu.my/10867/3/s901492_02.pdf
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id	my-uum-etd.10867
record_format	uketd_dc
spelling	my-uum-etd.108672024-01-04T06:50:53Z Phishing avoidance behaviour among internet banking users in southwest region of Nigeria 2023 Aribake, Fadare Olusolade Mat Aji @ Alon, Zahurin Awang Had Salleh Graduate School of Arts & Sciences Awang Had Salleh Graduate School of Art & Sciences T58.5-58.64 Information technology HG Finance Despite the benefits of Internet Banking (IB), its usage among banking users remains low due to Phishing Attacks (PA) regardless of its availability. However, PA continues to harm IB users and banking organizations worldwide causing low usage on IB platforms. Besides, PA remains one of the ultimate online attacks against financial institutions in which technical solutions have not been able to completely prevent its growth. Subsequently, the study advocate for nontechnical solutions to encourage Phishing Avoidance Behaviour (PAB) from users of IB as means to effectively fight against PA. The purpose of this study is to enhance and validate a model that measures PAB among IB users on Technology Threat Avoidance Behaviour (TTAT). The study used a quantitative approach by distributing 600 questionnaires to respondents in the Southwest region of Nigeria using a simple random and cluster sampling procedure. Meanwhile, 501 questionnaires were returned, and 480 were usable. Quantitative data analysis was conducted using PLS-SEM. The result for directed hypothesized relationships is significant, except for Conceptual Knowledge, Self-Efficacy and Perceived Threat, Avoidance Motivation. Interaction hypothesized relationships are insignificant. Similarly, moderating role of System Trust was insignificant. PA is believed to have instilled a low level of trust towards IB users. Meanwhile, the study model validation process was verified with a total of five experts in the field of information systems and banking. This analysis becomes an important contribution to the study that provides the basis for further investigations on the importance of TTAT for IB. The factors identified contribute to policymakers and services providers spotting weaknesses in the current system for future improvement on IB platform, to ensure continuous usage and avoidance of PA by its users. Implementation of PAB by IB users in the Southwest region of Nigeria would have positive influences on the literacy among youths, increase usage, mode of reasoning, and national efficiency. Finally, this study contributes by providing a model that measures PAB success among IB users against PA. 2023 Thesis https://etd.uum.edu.my/10867/ https://etd.uum.edu.my/10867/1/permission%20to%20deposit-embargo%2012%20months-s901492.pdf text eng 2024-10-15 staffonly https://etd.uum.edu.my/10867/2/s901492_01.pdf text eng 2024-10-15 staffonly https://etd.uum.edu.my/10867/3/s901492_02.pdf text eng staffonly other doctoral Universiti Utara Malaysia
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng eng
advisor	Mat Aji @ Alon, Zahurin
topic	T58.5-58.64 Information technology HG Finance
spellingShingle	T58.5-58.64 Information technology HG Finance Aribake, Fadare Olusolade Phishing avoidance behaviour among internet banking users in southwest region of Nigeria
description	Despite the benefits of Internet Banking (IB), its usage among banking users remains low due to Phishing Attacks (PA) regardless of its availability. However, PA continues to harm IB users and banking organizations worldwide causing low usage on IB platforms. Besides, PA remains one of the ultimate online attacks against financial institutions in which technical solutions have not been able to completely prevent its growth. Subsequently, the study advocate for nontechnical solutions to encourage Phishing Avoidance Behaviour (PAB) from users of IB as means to effectively fight against PA. The purpose of this study is to enhance and validate a model that measures PAB among IB users on Technology Threat Avoidance Behaviour (TTAT). The study used a quantitative approach by distributing 600 questionnaires to respondents in the Southwest region of Nigeria using a simple random and cluster sampling procedure. Meanwhile, 501 questionnaires were returned, and 480 were usable. Quantitative data analysis was conducted using PLS-SEM. The result for directed hypothesized relationships is significant, except for Conceptual Knowledge, Self-Efficacy and Perceived Threat, Avoidance Motivation. Interaction hypothesized relationships are insignificant. Similarly, moderating role of System Trust was insignificant. PA is believed to have instilled a low level of trust towards IB users. Meanwhile, the study model validation process was verified with a total of five experts in the field of information systems and banking. This analysis becomes an important contribution to the study that provides the basis for further investigations on the importance of TTAT for IB. The factors identified contribute to policymakers and services providers spotting weaknesses in the current system for future improvement on IB platform, to ensure continuous usage and avoidance of PA by its users. Implementation of PAB by IB users in the Southwest region of Nigeria would have positive influences on the literacy among youths, increase usage, mode of reasoning, and national efficiency. Finally, this study contributes by providing a model that measures PAB success among IB users against PA.
format	Thesis
qualification_name	other
qualification_level	Doctorate
author	Aribake, Fadare Olusolade
author_facet	Aribake, Fadare Olusolade
author_sort	Aribake, Fadare Olusolade
title	Phishing avoidance behaviour among internet banking users in southwest region of Nigeria
title_short	Phishing avoidance behaviour among internet banking users in southwest region of Nigeria
title_full	Phishing avoidance behaviour among internet banking users in southwest region of Nigeria
title_fullStr	Phishing avoidance behaviour among internet banking users in southwest region of Nigeria
title_full_unstemmed	Phishing avoidance behaviour among internet banking users in southwest region of Nigeria
title_sort	phishing avoidance behaviour among internet banking users in southwest region of nigeria
granting_institution	Universiti Utara Malaysia
granting_department	Awang Had Salleh Graduate School of Arts & Sciences
publishDate	2023
url	https://etd.uum.edu.my/10867/1/permission%20to%20deposit-embargo%2012%20months-s901492.pdf https://etd.uum.edu.my/10867/2/s901492_01.pdf https://etd.uum.edu.my/10867/3/s901492_02.pdf
_version_	1794023777416249344

Phishing avoidance behaviour among internet banking users in southwest region of Nigeria

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