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This paper aims to examine the nature of frauds and insider involvement in the perpetration of frauds in Nigeria’s banking ecosystem. It probes the payment platforms mostly vulnerable to fraud attacks since the role-out of cashless policy in Nigeria in 2014.

Using secondary data on frauds and forgeries in Nigeria Deposit Insurance Corporation annual report of 2019, the study engaged the data on frauds and forgeries to unpack the complex dynamics in relation to bank frauds in Nigeria.

Findings show that fraud attacks on deposit money banks increased year in year out although the actual monetary loss dropped in 2019 as against 2018. Technology mediated transactions such as the use of automated teller machine and internet-based transactions experienced the most fraud. In relation to the role of insiders, all cadres of staff were involved in the fraud but majority of those involved were temporary staff.

Arising from this, it is suggested that banks should continue to strengthen security system and governance structures. Employing temporary staff should be phased out while online and offline vigilance should be mounted.

The study contributes to knowledge by examining the nature of frauds and unveiling the insider dimensions of fraud and the possible factors increasing the vulnerability of casual staff to perpetrate fraud.

This paper aims to investigate automated teller machine (ATM) fraud in southwest Nigeria, as extant studies have not examined the unintended consequences of ATM subscription particularly the effect of the identity of fraudsters and the strategies for defrauding.

Using sequential exploratory strand of mixed method, data were collected from both ATM users and victims of ATM fraud using multi-stage sampling procedure. This involved purposive selection of Lagos and Oyo states.

Results showed that fraudsters were typically lovers, friends, relatives and sometimes children of victims. Strategies for defrauding included card cloning, swapping of cards and physical attacks at ATM galleries.

Because of the size of the sample which is small, the research results may lack generalizability. More expansive works are needed across Nigeria in this regard.

The paper includes implications for policy initiative concerning the deployment and use of payment systems such as ATM in Nigeria.

The paper reveals the limits of trust in cashless policy. It raises salient policy issues concerning the need for the governance of trust to engender adoption.

The paper characterizes fraudsters and their strategies for defrauding.

This study aims to examine contemporary factors underlying farmers and pastoralists’ conflict in Nasarawa state. These two communities had rosy and symbiotic relationships which have transmogrified into sour tales of mutual suspicion, destruction, deaths and violence.

Exploratory research design was used. Data was collected using qualitative tools of data collection such as in-depth interview (IDI) and key informant (KII) guides to extract responses from farmers and pastoralists.

In a bid to end the conflicts between these two groups, Benue State Government enacted the Open Grazing Prohibition and Ranches Establishment Law also known as anti-open grazing law in 2018. Although the law altered the conflict landscape in Benue, it recorded trans-territorial backlashes in the neighbouring Nasarawa State where herdsmen relocated. The relocation of herders to Nasarawa State, setting up of livestock guards to check open grazing by pastoralists, rumour and politics triggered contemporary violent conflicts between these groups.

As against existing studies, this study examines contemporary trigger of the conflict.

The purpose of this paper is to examine the victimization experiences of farming and herding communities in Nasarawa State, Nigeria.

The study employed purposive sampling, extracting data from 27 victims in Lafia and Obi local government areas. Data were collected using in-depth and key informant interviews. In a balance of tales, both farming and herding communities claimed victimhood status.

While farming communities suffered internal displacement resulting from destruction of farmland, forceful takeover of own community, destruction of livelihoods and human fatalities; herding community victimization manifested in destruction of livelihood (killing of cows), cattle rustling and human fatalities. Arising from the findings, the authors suggest proactive policing and victim compensation to reduce the incidence and severity of victimization.

The study is unique as it probed into the neglected domain of victimization experiences of farming and herding communities.

An increase in informal job advertisements has been attributed to high unemployment. However, less scholarly attention has been placed on the experiences of victims of advertised job scams.

This explorative study investigates the lived experiences of victims of advertised job scams in Ibadan, Oyo State, Nigeria, adopting Durkheim’s Functionalism and Anomie Theory. Around 35 victims were purposively engaged in in-depth and telephone interviews.

The findings of the study indicated the link between functionalism and anomie, an increasing rate of advertised job scams and a high rate of unemployment and poverty as well as the desperation of victims in getting jobs. The value orientation of an individual is determined by the dynamics of the social institutions. The pattern of job scammers revealed extremists conditioned by the large number of youths seeking employment. The advertised scam jobs are usually unavailable. In addition, employers, through informal job advertisements, subject victims to extortions, exploitation, street begging, kidnapping and rituals as well as sexual harassment and rape. Owing to the high rate of unemployment, many genuine job offers are characterised by bribes, besides trivializing merit.

The government should design measures to tackle the rate of corruption and unemployment. This can be achieved by introducing entrepreneurship and skill acquisition programmes in the nation’s education system.

The purpose of this paper is to examine factors underlying gender preference of domestic servants (DS). Children in domestic service constitute the most common form of urban child labour. Literature has shown that domestic service employment has a gender face with the girl-child more susceptible. This is the gap this research fills.

The study employed both quantitative and qualitative strategies selecting respondents and analysing the study. The respondents were employers of DS and were mainly women. Qualitative data were generated from 15 employers reached through the snowball method. The stratified purposive sampling technique was used to identify private and public organisations in the selected localities where copies of a questionnaire were administered.

The results showed that factors considered for employing DS are linked to traditional conception of household tasks. Consequently, girls (86.4 per cent) were preferred for performing domestic chores, providing emotional support for employers’ children and were viewed as receptive, “mouldable”, and hardworking to male (11.4 per cent). Not minding these functional roles they perform, some employers reported that female DS could “snatch” their husbands, influence their children negatively, and may be spiritually possessed and physically “unclean”. Male servants were considered foul, repulsive, and revolting to correction; besides, they sexually assault female children of employers; hence they were least demanded.

Because of the size of the sample which is small, the research results may lack generalisability. More expansive works are needed in this regard.

The paper includes implications for policy initiative concerning the plight of working women and security of DS.

The paper reveals the social factors considered in recruiting DS and their implications on family relations.

This paper fulfills the identified gap to study gender preference in domestic servitude.

The purpose of this study was to examine the relationship between online banking fraud experience and fear of cybercrime and distrust of online banking services, and to understand how perceived usefulness of online banking moderates the relationship.

The number of respondents involved in this study was 271 people from the Central Java region, Indonesia. Statistical analysis was performed using Jeffreys’s Amazing Statistics Program software to examine the relationships and interactions between the variables studied.

Experience of online banking fraud is positively related to fear of cybercrime and distrust of online banking services. Perceived usefulness of online banking moderates the relationship between online banking fraud experience and fear of cybercrime and distrust of digital payments. Perceived usefulness is negatively related to the level of distrust of online banking services.

Overall, the implications of this study underscore the importance of dealing with the risks of cybercrime in online banking services. By focusing on security, user awareness and the role of perceived usefulness, banking service providers can create a safer and more trusting environment for users of online banking services. This also contributes to the development of more innovative services and can increase customer satisfaction and trust.

The practical application of these findings is important for financial institutions and online banking service providers. Companies must improve cybersecurity with the latest technology and provide education about online security practices. Transparent communication and better customer service will help overcome customer fears. Compliance with security regulations and technological innovation is also important to protect online banking services. With these steps, customer security and trust can be improved, and the adoption of online banking services will increase widely.

The social implications of this research are increasing public awareness about cybersecurity, consumer protection and strengthening trust in online banking services. With joint efforts, a safer and more trusting environment in using online banking services can be realized.

The originality of this research lies in the use of perceived usefulness of online banking as a moderating variable to reduce the negative impact of online banking fraud experience. With a focus on the psychological effects of customers experiencing fraud, this research seeks to rebuild trust and improve the security of online banking services.