User perceptions and behaviours regarding cybersecurity are critical factors in the success of digital banking in West Africa; more than half will adopt and regularly use digital banking services when they have a very strong degree of trust in the provider and that their financial assets are protected from risk. This goes especially true in a region with a high percentage of unbanked individuals, who probably are naturally inclined not to use any new technologies involving finances. Several variables can have a substantial impact on how users p
User perceptions and behaviours regarding cybersecurity are critical factors in the success of digital banking in West Africa; more than half will adopt and regularly use digital banking services when they have a very strong degree of trust in the provider and that their financial assets are protected from risk. This goes especially true in a region with a high percentage of unbanked individuals, who probably are naturally inclined not to use any new technologies involving finances. Several variables can have a substantial impact on how users p
