Design of a conceptual framework for cybersecurity culture amongst online banking users in Nigeria

Abstract

This study aims to construct a comprehensive conceptual framework that elucidates the critical human factors influencing cybersecurity  culture among online banking users in Nigeria. The research methodology is grounded in a meticulous examination of existing literature  in the cybersecurity culture domain, serving as the foundation for this framework. The literature review reveals a conspicuous absence of  academic research on cybersecurity culture within Nigeria and underscores the importance of comprehending its unique nuances. Key  findings from the literature review highlight the prominence of “cybersecurity awareness,” “cybersecurity policy,” and “cybersecurity education” as influential factors. “Cybersecurity awareness” emerges as the most pivotal factor due to its recurrent emphasis and  recognized centrality. “Cybersecurity policy” and “cybersecurity education” secure the second and third positions, respectively, due to  their acknowledged significance in cultivating a security-conscious mindset among online banking users. Furthermore, the literature  review exposes a research gap concerning the requisite “cybersecurity knowledge” that should permeate organizations and individuals  to augment cybersecurity culture. Additionally, it reveals the underexplored influence of “social norms” and “interpersonal trust” in  molding cybersecurity culture. This research accentuates the dearth of cybersecurity culture research within Nigeria and underscores the  importance of understanding its unique facets. The proposed conceptual framework provides a valuable resource for designing tailored  cybersecurity strategies and programs in Nigeria’s online banking sector. It advocates for prioritizing cybersecurity awareness,  education, and policy, empowering users with the knowledge and skills needed to safeguard themselves against cyber threats. The model also highlights the relevance of recognizing the role played by social dynamics, interpersonal trust, and social norms in shaping  cybersecurity behaviours.