S/N

STATEMENTS

Strongly Agree

Agreed

Undecided

Disagree

Strongly

disagree

1

Stealing of customers’ cards and PIN that are produced without the customers’ consent by the DBMs to generate more revenue.

2

Bank Staff personally call customers with good deposits to obtain their PINs or secret codes on the pretence of assisting them to set up their accounts properly

3

Breach of dual custody of customers’ Cards and PIN which allow the perpetrator to commit e-fraud.

4

The unauthorised alteration of the account details to use the account for fraudulent transaction through internal collusion. E.g. altering the mobile number to carry out authorised debit without the customer being alerted through SMS alert

5

Sending unsolicited mails to customers to obtain their cards personal details and PIN for e-fraud

6

Taking control of the customers’ account after gaining access to sensitive information and thereby effect unauthorized debit transactions on customers’ account.

7

Security experts in the system use their expert and legitimate power to co-opt other staff to commit e-fraud