Investigating the use of nudging to dissuade online banking fraud
- Authors: Mutyavariri, Takudzwa Stanley
- Date: 2023-03-31
- Subjects: Electronic commerce Security measures , Bank fraud , Computer security , Behavioral cybersecurity , Decision making Data processing
- Language: English
- Type: Academic theses , Master's theses , text
- Identifier: http://hdl.handle.net/10962/419462 , vital:71646
- Description: Online banking is a service offered by most modern banks to provide their clients with a convenient means to access their bank accounts remotely. However, such convenience comes at a cost and has the potential to expose clients to online banking fraud. To mitigate such forms of fraud, banks make extensive use of traditional cybersecurity measures such as firewalls, intrusion detection systems, as well as personal identification numbers (PINs) and passwords. However, despite the use of such traditional cybersecurity measures, online banking fraud still occurs. In particular, traditional cybersecurity measures have difficulties detecting the unauthorised use of a customer’s online banking credentials. For this reason, this study’s main objective was to investigate the effectiveness of nudges when used to dissuade the unauthorised use of clients’ online banking credentials. The study also had two secondary objectives: firstly, to identify where the deployment of nudges would be most effective; and secondly, to identify the rationalisations an individual may use to justify committing online banking fraud. Although previous research has sought to understand the use of nudges in various online contexts, none have done so within the context of online banking. Using a recontextualised version of the COM-B (capability, opportunity, motivation – behaviour) model of behaviour change, nudges were deployed in three versions of a fictitious online banking website. Following this, 15 semi-structured interviews were conducted with online banking users from the United States of America to understand how a third party may behave and rationalise their choices when they have unauthorised access to a customer’s online banking credentials. The transcripts of these interviews were analysed using thematic analysis. The findings revealed that the most dissuasive nudges focused on encouraging individuals to empathise with the account holder. Nudges that increased the perception of an online banking website’s security were also particularly dissuasive. The findings also indicated that the most effective place to deploy these nudges was after a user had logged in. Several rationalisations that enabled individuals to commit online baking fraud were found. The three most common were crime of opportunity, down on their luck, and sunk cost fallacy and curiosity. Together, the findings provide evidence to suggest that, if used effectively, nudges could prove useful as a means of dissuading online banking fraud, and even more so when combined with traditional cybersecurity measures. , Thesis (MCom) -- Faculty of Commerce, Information Systems, 2023
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Remote fidelity of Container-Based Network Emulators
- Authors: Peach, Schalk Willem
- Date: 2021-10-29
- Subjects: Computer networks Security measures , Intrusion detection systems (Computer security) , Computer security , Host-based intrusion detection systems (Computer security) , Emulators (Computer programs) , Computer network protocols , Container-Based Network Emulators (CBNEs) , Network Experimentation Platforms (NEPs)
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10962/192141 , vital:45199
- Description: This thesis examines if Container-Based Network Emulators (CBNEs) are able to instantiate emulated nodes that provide sufficient realism to be used in information security experiments. The realism measure used is based on the information available from the point of view of a remote attacker. During the evaluation of a Container-Based Network Emulator (CBNE) as a platform to replicate production networks for information security experiments, it was observed that nmap fingerprinting returned Operating System (OS) family and version results inconsistent with that of the host Operating System (OS). CBNEs utilise Linux namespaces, the technology used for containerisation, to instantiate \emulated" hosts for experimental networks. Linux containers partition resources of the host OS to create lightweight virtual machines that share a single OS kernel. As all emulated hosts share the same kernel in a CBNE network, there is a reasonable expectation that the fingerprints of the host OS and emulated hosts should be the same. Based on how CBNEs instantiate emulated networks and that fingerprinting returned inconsistent results, it was hypothesised that the technologies used to construct CBNEs are capable of influencing fingerprints generated by utilities such as nmap. It was predicted that hosts emulated using different CBNEs would show deviations in remotely generated fingerprints when compared to fingerprints generated for the host OS. An experimental network consisting of two emulated hosts and a Layer 2 switch was instantiated on multiple CBNEs using the same host OS. Active and passive fingerprinting was conducted between the emulated hosts to generate fingerprints and OS family and version matches. Passive fingerprinting failed to produce OS family and version matches as the fingerprint databases for these utilities are no longer maintained. For active fingerprinting the OS family results were consistent between tested systems and the host OS, though OS version results reported was inconsistent. A comparison of the generated fingerprints revealed that for certain CBNEs fingerprint features related to network stack optimisations of the host OS deviated from other CBNEs and the host OS. The hypothesis that CBNEs can influence remotely generated fingerprints was partially confirmed. One CBNE system modified Linux kernel networking options, causing a deviation from fingerprints generated for other tested systems and the host OS. The hypothesis was also partially rejected as the technologies used by CBNEs do not influence the remote fidelity of emulated hosts. , Thesis (MSc) -- Faculty of Science, Computer Science, 2021
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