ASSESSMENT ON PHISHING AVOIDANCE BEHAVIOUR AMONG INTERNET BANKING USERS IN NIGERIA: A CONCEPTUAL MODEL

Abstract

Although acceptance of Internet Banking (IB) has improved among banking customers due to the suitability it offers, there are quite a few risks accompanying with its since it depends heavily towards the usage of Internet network, which has increased the chances of Phishing Attacks (PA). PA referred to as the most defiant of all information security threats and often perpetuated by conning user’s information systems to inadvertently disclose their personal information or by modifying or deleting sensitive information and maliciously destructing and destroying users’ resources 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) to evaluate the PA among IB users in Nigeria and to enhance avoidance behaviour. This paper will present the initial investigation that leads to the development of the conceptual model. Researchers in this field can use the model in different populations and settings, and thus create an avenue in stopping the factors that contribute to the PA.