Nearly half the adult population in developing nations lacks a formal bank account and other financial services. Ghana is no exception, having a massive community of unbanked adults and among those countries positioned at the bottom of the spectrum of financial inclusion. The advent of mobile financial services (MFS) claims an alternative mode to…

While Internet of Things (IoT) devices have increased in popularity and usage, their users have become more susceptible to cyber-attacks, thus emphasizing the need to manage the resulting security risks. However, existing works reveal research gaps in IoT security risk management frameworks where the IoT architecture -- building blocks of the…

Students need academic tools and digital skills for proper social interactions in a digital society. Researchers Ribble and Park (2019) designed the S3 Framework which stresses the importance of developing safe, savvy, and social digital citizens. Using this framework, a series of interventions were developed for students and staff to increase the…

Cybersecurity is no longer an issue discussed only between the professionals or technologists, but it is also closely related to ordinary people whose daily life is exposed to kinds of cyberattacks. And Womabat Security Technologies conducted a survey revealed that ransomware is an unknown concept to nearly two-thirds of employees. In practical,…

ISACA, a non-profit, independent association that advocates for professionals involved in information security, assurance, risk management, and governance, recently updated its IT governance framework, Control Objectives for Information and Related Technology (COBIT). COBIT 2019 presents a logical approach to information technology and policy…

The need in the public sector is to help people 60+ years of age in the safe, practical use of technology for business, personal use, and family interaction, as this group is targeted more than others for technology fraud. The practice-focused question centers around which topics need to be part of technology fraud pilot training to reduce the…

This dissertation introduces a comprehensive framework aimed at reshaping applied cybersecurity education to significantly ease the learning curve, at scale, through three synergistic innovations. These methods address the daunting educational barriers in cybersecurity, enabling learners at all levels to understand complex security concepts more…

There are many resources to guide successful K-12 cybersecurity education. The objective of these resources is to prepare skilled and ethical cybersecurity students at the earliest level to meet the demands of higher-level programs. The goal of this article is to provide, as a starting point, a list of as many currently popular K-12 educational…

Phishing is a common social engineering attack aimed to steal personal information. Universities attract phishing attacks because: (1) they store employees and students sensitive data; (2) they save confidential documents; and (3) their infrastructures often lack security. In this paper, we showcase a phishing assessment at the University of…

The COVID-19 pandemic has fast-tracked the development of digital applications and inspired everyone to adapt to the technologies to curb the spread of outbreak. As this crisis intensifies, the rapid usage of digital devices and apps has echoed the serious concerns about civil liberties, privacy, and data protection. Considering the situation,…

Prevalent security threats caused by human errors necessitate security education, training, and awareness (SETA) programs in organizations. Despite strong theoretical foundations in behavioral cybersecurity, field evidence on the effectiveness of SETA programs in mitigating actual threats is scarce. Since memory decay will inevitably occur after…

The emerging impact of gamification in the field of education has generated several possible avenues for enhancing learning outcomes and raised a large number of as-yet unanswered questions as to the effectiveness of different gamification techniques in different contexts. This quantitative survey study examines the impact of gamification on…

Modern higher education institutions must contend with a litany of cyber threats, regulations, and environmental dynamics. These institutions are increasingly being targeted due to the value of the data they possess and their historically permissive configurations that are intended to support academic freedom. Many universities are implementing…

This paper intended to analyze the practices of digital citizenship among university student in Pakistan. The quantitative descriptive survey research design was adopted for this study. The population of the study was 800 students of BS (Education) program in ten public sector universities in Punjab, Pakistan. Simple random sampling technique was…

The integration of Internet of Things (IoT), Artificial Intelligence (AI), and cybersecurity presents new opportunities for innovation and entrepreneurship, yet traditional educational approaches often lack the interdisciplinary and applied focus required to develop these competencies. This study evaluates the impact of an experiential learning…