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Automated Teller Machine (ATM) Uses and Challenges in Southwest Nigeria (IMTFI Blog)
Abstract
This study investigates automated teller machine (ATM) fraud in southwest Nigeria, with the prime determinant of analysis relying on the perspective of the victim. The primary research questions are: How do banks cope with ATM fraud challenges? How do mobile money service providers characterise ATM fraud and their victims? The study triangulates the Victims Precipitation theory (VPT), Lifestyle theory (LT) and Routine Activity theory (RAT) to explain how ATM fraud affects its victims.