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DATA ENCRYPTION AND AUTHENTICATION AS FRAUD PREVENTION MECHANISMS IN COMMERCIAL BANKS IN SOUTH-SOUTH, NIGERIA
ABSTRACT
The study assessed the Data Encryption and Authentication as Fraud Prevention Mechanisms in Commercial Banks in South-South, Nigeria. A descriptive survey research design was used. The study location in terms of research area was South-South Nigeria. The study population is 956 senior staff in registered commercial banks within the regions of South-South, Nigeria. This consisted of managers, accountants and cash officers of the 32 active commercial banks in South-South of Nigeria (Small and Middle Scale Enterprise Development Agency in Nigeria (SMEDAN 2024). The study obtained a sample of 282 respondents from the overall population. The sample consists of 32 managers, 32 accountants, and 218 cash officers. Taro Yamane’s formula will be applied to choose the sample. The researcher developed a structured instrument titled Emerging Technologies and Prevention of Fraud Occurrence (ETPFQ) for data collection. Face and content validation were used. The analysis of the data obtained was done in Cronbach's Alpha, where it presented a coefficient of 0.85. The researchquestions were addressed through the application of mean statistics, whereas the null hypotheses were examined with Analysis of Variance (ANOVA) at the .05 significance level. The study showed that there is no significant difference in the mean responses of managers, accountants and cash officers on the extent to which the use of data encryption and authentication prevents fraud occurrence in commercial banks in South South, Nigeria. One of the recommendations made was that commercial banks are advised to adopt a strong data encryption mechanism or even a strong data encryption so that they not only protect the information of the customers but can also meet the regulations, such as other regulations.
Keywords: Data Encryption, Authentication, Fraud Prevention Mechanisms Commercial Banks, South-South, Nigeria
Samuel David UDO, PhD AND NTUEN, Imoh Aniebiet
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