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Ajufo, George
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Computer Science & IT

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An Examination of the Human Factors in Cybersecurity: Future Direction for Nigerian Banks Ajufo, George; Qutieshat, Abubaker
Indonesian Journal of Information Systems Vol. 6 No. 1 (2023): August 2023
Publisher : Program Studi Sistem Informasi Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/ijis.v6i1.7278

Abstract

Information and communication technology has become necessary for conducting business operations and ensuring business survival in Nigerian banks. However, this has come with some encumbrances, as this technology is vulnerable to attacks due to technical or human factors. These human factors have been very challenging for organizations due to their multi-dimensional nature and the fact that humans have been responsible for most cybersecurity incidents. Resolving issues arising from cybersecurity incidents is expensive and time-consuming. Therefore, this study is crucial as it will enable Nigerian banks witnessing increased attacks to take preventive measures and reduce the enormous expenditure required for remediation. This study adopts a literature review approach, reviewing previous studies on human factors in cybersecurity to determine the factors responsible for successful cyber-attacks and their suggested mitigations. The findings categorize these human factors into social engineering, poor information security culture, risky password practices, stress, burnout, and security fatigue. The study presents mitigations but notes that training and cybersecurity awareness are the most common reoccurring pre-emptive actions recommended. This research is significant as very little prior research has been conducted in this area targeted at the Nigerian banking sector. Practically, the findings of this study are expected to point Nigerian banks toward the critical human factors that they need to concentrate on to minimize the success rate of cyber-attacks and reduce the associated costs of recovering from these attacks.
Chargeback as an ICT Cost Reduction Strategy Ajufo, George
Indonesian Journal of Information Systems Vol. 7 No. 2 (2025): February 2025
Publisher : Program Studi Sistem Informasi Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/ijis.v7i2.10554

Abstract

A leading financial institution in Nigeria, hereinafter referred to as "the Bank," has deployed Information and Communications Technology (ICT) systems to drive the Bank's strategy and operations with significant success, albeit with massive investments. However, despite the benefits derived, there have been concerns, especially with the dwindling revenues of the Bank, that the ever-increasing cost of ICT could become unsustainable. These concerns have led the Bank's management to request the ICT Department to find ways of reducing costs. This study investigated the adoption of ICT chargeback to reduce ICT costs in the Bank without impacting ICT service quality. The study utilized variables identified by prior researchers on ICT chargeback. Data was gathered from the Bank's staff using online surveys. The findings from the analysis of data provided sufficient evidence to support the assertion that ICT chargeback adoption would lead to ICT cost reduction in the Bank, consistent with the results of previous studies. The study also indicated that chargeback adoption would facilitate decision-making and more responsible usage of ICT infrastructure in the Bank. However, the study also found some negative consequences which would result from its adoption. For instance, the study showed that ICT Chargeback would discourage innovation due to cost consciousness and foster an unhealthy relationship between ICT and the business. In conclusion, the study recommended the adoption of ICT chargeback with the caveat that the negative consequences identified should be minimized to ensure that they do not vitiate the gains from the adoption.
An Examination of the Human Factors in Cybersecurity: Future Direction for Nigerian Banks Ajufo, George; Qutieshat, Abubaker
Indonesian Journal of Information Systems Vol. 6 No. 1 (2023): August 2023
Publisher : Program Studi Sistem Informasi Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/ijis.v6i1.7278

Abstract

Information and communication technology has become necessary for conducting business operations and ensuring business survival in Nigerian banks. However, this has come with some encumbrances, as this technology is vulnerable to attacks due to technical or human factors. These human factors have been very challenging for organizations due to their multi-dimensional nature and the fact that humans have been responsible for most cybersecurity incidents. Resolving issues arising from cybersecurity incidents is expensive and time-consuming. Therefore, this study is crucial as it will enable Nigerian banks witnessing increased attacks to take preventive measures and reduce the enormous expenditure required for remediation. This study adopts a literature review approach, reviewing previous studies on human factors in cybersecurity to determine the factors responsible for successful cyber-attacks and their suggested mitigations. The findings categorize these human factors into social engineering, poor information security culture, risky password practices, stress, burnout, and security fatigue. The study presents mitigations but notes that training and cybersecurity awareness are the most common reoccurring pre-emptive actions recommended. This research is significant as very little prior research has been conducted in this area targeted at the Nigerian banking sector. Practically, the findings of this study are expected to point Nigerian banks toward the critical human factors that they need to concentrate on to minimize the success rate of cyber-attacks and reduce the associated costs of recovering from these attacks.
Chargeback as an ICT Cost Reduction Strategy Ajufo, George
Indonesian Journal of Information Systems Vol. 7 No. 2 (2025): February 2025
Publisher : Program Studi Sistem Informasi Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/ijis.v7i2.10554

Abstract

A leading financial institution in Nigeria, hereinafter referred to as "the Bank," has deployed Information and Communications Technology (ICT) systems to drive the Bank's strategy and operations with significant success, albeit with massive investments. However, despite the benefits derived, there have been concerns, especially with the dwindling revenues of the Bank, that the ever-increasing cost of ICT could become unsustainable. These concerns have led the Bank's management to request the ICT Department to find ways of reducing costs. This study investigated the adoption of ICT chargeback to reduce ICT costs in the Bank without impacting ICT service quality. The study utilized variables identified by prior researchers on ICT chargeback. Data was gathered from the Bank's staff using online surveys. The findings from the analysis of data provided sufficient evidence to support the assertion that ICT chargeback adoption would lead to ICT cost reduction in the Bank, consistent with the results of previous studies. The study also indicated that chargeback adoption would facilitate decision-making and more responsible usage of ICT infrastructure in the Bank. However, the study also found some negative consequences which would result from its adoption. For instance, the study showed that ICT Chargeback would discourage innovation due to cost consciousness and foster an unhealthy relationship between ICT and the business. In conclusion, the study recommended the adoption of ICT chargeback with the caveat that the negative consequences identified should be minimized to ensure that they do not vitiate the gains from the adoption.
Co-Authors Qutieshat, Abubaker