References
Adejoh, S. O., Alabi, T. A., Adisa, W. B., & Emezie, N. M. (2019). “Yahoo Boys” phenomenon in Lagos Metropolis: A qualitative investigation. International Journal of Cyber Criminology, 13(1), 1–20. https://doi.org/10.5281/zenodo.3366298 Aiken, M. P., Davidson, J. C., Walrave, M., Ponnet, K. S., Phillips, K., & Farr, R. R. (2024). Intention to hack? Applying the Theory of Planned Behaviour to youth criminal hacking. Forensic Sciences, 4(1), 24–41. https://doi.org/10.3390/forensicsci4010003 Ayodele, A., Oyedeji, J. K., & Badmos, H. O. (2022). Social construction of internet fraud as innovation among youths in Nigeria. International Journal of Cybersecurity Intelligence & Cybercrime, 5(1), 23–42. https://doi.org/10.52306/BUVC2778 Balogun, O. S., Akangbe, T. A., Fagbamila, O. D., & Aigbovbioisa, F. O. (2024). Internet users’ perception of the prevalence of online investment fraud and victimisation in Nigeria. Gusau Journal of Sociology, 4(2). Bandura, A. (1977). Social learning theory. Prentice-Hall. Bentham, J. (1789). An introduction to the principles of morals and legislation. T. Payne & Son. Bemgba, P. T. (2025). Evaluating public perception and awareness of internet fraud among residents in Nigeria. African Journal of Stability and Development , 17(2), 903– 933. https://doi.org/10.53982/ajsd.2025.1702.06-j Cornish, D. B., & Clarke, R. V. (Eds.). (1986). The reasoning criminal: Rational choice perspectives on offending. Springer-Verlag Global Anti-Scam Alliance . (2024). Global state of scams 2024 report. Global Anti- Scam Alliance & Feedzai. https://www.gasa.org/reports/global-state-of-scams-2024 Federal Bureau of Investigation. (2022, March 30). Coordinated operation disrupts global business e-mail compromise schemes. FBI News. https://www.fbi.gov/news/stories/coordinated-operation-disrupts-global-bec-schemes- 033022 Festus, O. O., & Aminat, T. H. (2024). The growing digital footprint of Nigerian youth: Panacea to digital presence and engagement. International Journal of Innovative Technology Integration in Education, 7(1), 45–59. Global Anti-Scam Alliance . (2024). Global state of scams 2024 report. Global Anti- Scam Alliance & Feedzai. https://www.gasa.org/reports/global-state-of-scams-2024 Holt, T. J., Leukfeldt, E. R., Moneva, A., & van de Weijer, S. (2024). Assessing the correlates of online fraud offending among juveniles. Crime & Delinquency. Advance online publication. https://doi.org/10.1177/00111287241301006 INTERPOL. (2024, March 11). INTERPOL financial fraud assessment: A global threat boosted by technology. https://www.interpol.int/en/News-and- Events/News/2024/INTERPOL-Financial-Fraud-assessment-A-global-threat-boosted- by-technology Iwegbue, I. N., & Kediehor, C. (2025). Utilization of social media in skill acquisition and entrepreneurial development among youths in Africa. Journal of Management Studies, 15(1). https://doi.org/10.26524/jms.15.9 Mill, J. S. (1863). Utilitarianism. Parker, Son, and Bourn. Miller, N. E., & Dollard, J. (1941). Social learning and imitation. Yale University Press. Nigeria Inter-Bank Settlement System. (2023). Annual fraud landscape report 2023. NIBSS Plc. https://nibss-plc.com.ng Ogayi, C. O. (2025). Internet fraud, ‘Yahooism’, and youth entrepreneurship development: A study of Nigeria. International Journal of Research and Innovation in Applied Science , 10(2). https://doi.org/10.51584/IJRIAS.2025.1002007 Ojedokun, U. A., & Eraye, C. M. (2012). Socioeconomic lifestyles of the Yahoo-boys: A study of perceptions of university students in Nigeria. International Journal of Cyber Criminology, 6(2), 1001–1013. https://www.cybercrimejournal.com/OjedokunErayeijccDec2012.pdf Okolo, C. V., Susaeta, A., & Okorie, D. I. (2025). On the relationship between internet usage and technological innovation: Insight from world panel data. Sustainable Futures, 9, 100403. https://doi.org/10.1016/j.sfutures.2025.100403 Parvin, A., Omar, S. Z., Osman, M. N., & Tamam, E. B. (2019). Unleashing the power of internet skills towards entrepreneurship engagement among youth in Malaysia. International Journal of Academic Research in Business and Social Sciences, 9(12), 149–160. http://dx.doi.org/10.6007/IJARBSS/v9-i12/6683 Rotter, J. B. (1954). Social learning and clinical psychology. Prentice-Hall. Sharma, A., Chakraborty, P., & Kumar, V. (2024). An analysis of online monetary fraud and the application of marketing strategies by Indian banks to mitigate fraudulent activities: A literature review. Journal of Informatics Education and Research, 4(3), 3453. https://jier.org/index.php/journal/article/download/1931/1619/3365 Ugwu, C., Ani, C., Ezema, M., Asogwa, C., Ome, U., Obayi, A., Ebem, D., Atanda, A., & Ukwandu, E. (2021). Towards determining the effect of age and educational level on cyber-hygiene. arXiv. https://arxiv.org/abs/2103.06621 Udris, R. (2017). Cybercrime among youth: Differential associations with friends and family. Deviant Behavior, 38(6), 663–678. https://doi.org/10.1080/01639625.2016.1197684 United Nations Department of Economic and Social Affairs. (n.d.). Global Internet use continues to rise but disparities remain. https://social.desa.un.org/sdn/global-internet- use-continues-to-rise-but-disparities-remain Vazsonyi, A. T., Ksinan Jiskrova, G., Li, H., & Ksinan, A. (2024). Exploring the role of self- control across distinct patterns of adolescent cyber-deviance. International Journal of Offender Therapy and Comparative Criminology. Advance online publication. https://doi.org/10.1177/0306624X231220011 Wariboko, O. P. C., & Nwanyanwu, F. C. (2024). The dark side of connectivity: A socio-ethical exploration of internet fraud and Nigerian youth. Àgídìgbo: ABUAD Journal of the Humanities, 12(1), 89–104. https://doi.org/10.53982/agidigbo.2024.1201.06-j
