Emerging Technologies as a Mediating Factor Between Causes of Cyberfraud and Cyberfraud Perpetration in the South African Banking Industry

Oluwatoyin Esther Akinbowale, Heinz Eckart Klingelhöfer, Mulatu Fekadu Zerihun and Polly Mashigo
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Oluwatoyin Esther Akinbowale: Faculty of Economics & Finance, Tshwane University of Technology, Pretoria, South Africa
Heinz Eckart Klingelhöfer: Faculty of Economics & Finance, Tshwane University of Technology, Pretoria, South Africa
Mulatu Fekadu Zerihun: Faculty of Economics & Finance, Tshwane University of Technology, Pretoria, South Africa
Polly Mashigo: Faculty of Economics & Finance, Tshwane University of Technology, Pretoria, South Africa

International Journal of Cyber Behavior, Psychology and Learning (IJCBPL), 2025, vol. 15, issue 1, 1-19

Abstract: The purpose of this study is to investigate the relationship between the factors responsible for cyberfraud perpetration and the rate of cyberfraud perpetration in the South African banking industry using technology as a mediating variable. Structured questionnaire was employed as survey instrument. Using purposive sampling, it was distributed to 42 selected staff members of the 17 licensed banks in South Africa. The use of emerging technologies was found to have positive and significant relationship with internal controls, accountability, record keeping and ethical culture. This is justified by their p-values less than 0.05 except for the relationship between technology and poor organisation whose p-value was greater than 0.05. Overall, the mediating variable (technology) was found to indeed influence the rate of cyberfraud perpetration in the South African banking industry. This study provides an insight into the factors responsible for cyberfraud perpetration in South Africa and the moderating role of technology to reduce cyberfraud perpetration.

Date: 2025
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International Journal of Cyber Behavior, Psychology and Learning (IJCBPL) is currently edited by Nadia Mansour Bouzaida

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