References
Abass, W. O., & Salami, S. (2021). Financial technology and the performance of deposit money banks in Nigeria. Adeleke, A. O., & Yusuf, I. T. (2021). The impact of financial innovation on bank profitability in Nigeria. International Journal of Economics and Financial Issues, 11(2), 10–18. Adewumi, O. A., & Ojo, A. T. (2023). FinTech adoption and cybersecurity risks in Nigeria’s banking industry. Journal of Financial Crime Studies, 15(2), 45–61. Adeniran, A. I., & Jawando, J. O. (2020). Cybercrime and the challenges of digital financial services in Nigeria. Journal of African Security Studies, 29(2), 175–191. Adeniran, S., & Ojeyinka, O. (2023). FinTech adoption and performance of Nigerian banks: The role of cyber risks. Journal of Finance and Digital Innovation, 5(2), 45–61. Afolabi, A., & Adegboye, F. (2021). Digital banking and deposit money banks’ performance in Nigeria. African Journal of Economic Policy, 28(1), 78–95. Akinyomi, O. (2020). The impact of information technology on the operations of Nigerian banks. Department of Financial Studies, Redeemer’s University. Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech and RegTech: Impact on regulators and banks. Journal of Banking Regulation, 19(2), 1–14. Basel Committee on Banking Supervision. (2021). Principles for operational resilience. Bank for International Settlements. Bouveret, A. (2018). Cyber risk for the financial sector: A framework for quantitative assessment. IMF Working Paper 18/143. Button, M., Johnston, L., & Brooks, G. (2021). Cyber frauds, scams and their victims. Routledge. Cavusoglu, H., Mishra, B., & Raghunathan, S. (2019). The effect of internet security breach announcements on market value. Journal of Information Systems Research, 14(2), 129–145. Cebula, J., & Young, L. (2020). Cyber risk management: A framework for financial institutions. Journal of Cybersecurity, 6(1), 1–13. Central Bank of Nigeria . (2021). Cybersecurity framework for deposit money banks and PSPs. Abuja: CBN. Central Bank of Nigeria . (2022). Financial stability report. Abuja: CBN. Central Bank of Nigeria . (2023). Financial stability report. Abuja: CBN. Eneoli, O. C., Onwumere, J. U. J., Okwor, E. E., & Nwosu, S. N. (2024). Impact of financial technology on the development of deposit money banks in Nigeria (2010–2022). Seybold Report Journal, 19(5), 152–172. https://doi.org/10.5110/77.1417 Ernst & Young. (2022). Nigeria FinTech report: Innovation, growth, and opportunities. Lagos: EY. EY. (2021). Global banking outlook 2021: Strengthening resilience. Ernst & Young. Eze, C. F., & Okpala, P. (2022). Cybersecurity risks and bank performance in Nigeria: An empirical analysis. Journal of Banking and Finance Research, 9(3), 55–70. FinTech Magazine Africa. (2024). Nigerian banks lose ₦53.4 billion to cybercrime in 9 months. FinTech Magazine Africa. Gomber, P., Koch, J. A., & Siering, M. (2018). Digital finance and FinTech: Current research and future research directions. Journal of Business Economics, 87(5), 537–580. Guardian Nigeria. (2024). Banks lose ₦17.67 billion to cybercrime in 2023 — NIBSS report. The Guardian Nigeria Newspaper. Kshetri, N. (2021). Cybercrime and cybersecurity in the global South. Springer. Madugba, J., Egbide, B., Wozuru, D., Agburuga, U., & Onwubiko, C. (2021). Effect of electronic banking on financial performance of deposit money banks in Nigeria. Banks and Bank Systems, 16(3). McQuade, S. C. (2006). Understanding and managing cybercrime. Boston: Allyn & Bacon. Nairametrics. (2023). Banks lose ₦5.79 billion to electronic fraud in Q2 2023 — NIBSS data. Nairametrics Financial News. Ndukwe, J. E. (2023). Digital transformation, FinTech disruption, and the resilience of Nigerian banks. African Journal of Financial Innovation, 6(1), 33–47. Nigeria Deposit Insurance Corporation . (2022). Annual report on fraud and forgeries in the Nigerian banking sector. Abuja: NDIC. Nigeria Inter-Bank Settlement System . (2023). Annual fraud report 2023. NIBSS Publications. Ogunleye, T. S., & Adebayo, M. O. (2022). FinTech innovation and financial inclusion in Nigeria: Opportunities and challenges. Journal of African Business, 23(4), 512–530. Oladipo, S. O., & Adebayo, K. J. (2022). Digital finance and the growing menace of cybercrime in Nigeria. African Journal of Information Systems, 14(3), 89–103. Olayemi, A. (2022). Cybercrime and the future of banking security in Nigeria. Journal of Information Security Research, 10(4), 72–85. Olajide, O., Bello, M., & Hassan, K. (2022). Cyber threats and the performance of Nigerian deposit money banks. Journal of Financial Innovation, 11(2), 87–102. Olatunji, K. (2023). Cybersecurity compliance in Nigeria’s banking sector: Issues and challenges. Journal of African Regulatory Studies, 4(1), 92–107. Omole, I. I., Adeniran, A. A., & Fakunle, I. O. (2023). The effect of FinTech services on financial performance of Nigerian deposit money banks. International Journal of Research and Innovation in Social Science . https://doi.org/10.47772/IJRISS Oni, A. (2020). Cybercrime and banking security challenges in Nigeria. Journal of African Studies and Development, 12(5), 85–95. Osho, M., & Aluko, T. (2022). Cybercrime and the performance of Nigerian banks: Evidence from electronic fraud incidents. Journal of Economic and Financial Research, 14(3), 211–228. Owolabi, S. A., & Ajayi, O. O. (2020). Determinants of commercial banks’ performance in Nigeria: Evidence from panel data analysis. Journal of Economics and Sustainable Development, 11(4), 112–121. Oyetoyan, S. A., Olowoniyi, A. O., & Ajiboye, W. T. (2019). The impact of FinTech services on the level of performance of deposit money banks in Nigeria. Ilorin Journal of Finance, 3(2), 96–114. Ozili, P. K. (2023). Financial technologies and financial inclusion in emerging economies: Perspectives from Nigeria. Asian Journal of Economics, Business and Accounting, 12(1), 45–62. Ozili, P. K., & Mhlanga, D. (2023). Information effect of FinTech and digital finance on financial inclusion. PricewaterhouseCoopers . (2021). Nigerian cybercrime survey report. PwC Nigeria. PwC. (2022). Cybersecurity in banking: Managing digital risk in an evolving threat landscape. PwC Global Report. Schueffel, P. (2016). Taming the beast: A scientific definition of Fintech. Journal of Innovation Management, 4(4), 32–54. Svetlan, S., & Irina, K. (2017). FinTech as financial innovation: Possibilities and problems of adoption. European Research Journal, 10(3), 961–973. Wall, D. S. (2017). Cybercrime: The transformation of crime in the information age. Polity Press.
