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Security guarantee of e -commerce payment system in Nigeria

Author: 
Chijioke, I. A., Prof. H. C. Inyama, and Dr. Onyesolu, M. O.
Subject Area: 
Physical Sciences and Engineering
Abstract: 

With the enormous rise in social media users globally, e-commerce payment systems are becoming ubiquitous, being applied rapidly in all facets of life. However, securing e-commerce payment systems have become more complex and have further made the CIA triad: confidentiality, integrity, and availability of enterprise’s data insecure, and prone to breaches and fraudulent activities. Securing enterprise e-commerce payment system is of paramount importance. An important facet of implementing e-commerce payment system in an organization is the development of security related issues within the enterprise information systems for the organization processes. In this study, the Enterprise Information Systems (EIS) security conceptual framework was adopted that comprised: security policy, security awareness, access control, and top level management support. A narrative review of prior research that focused on vast works of literature that revealed significant information on our conceptual framework and existing systems on e-commerce payment systems security, analysis and synthesis was adopted. The authors also extracted peer-reviewed articles within the last five years from electronic databases, using some keywords such as “e-commerce system security”, “e-commerce security threats”, “cyber-attacks and security”, etc. Findings of the study show that breaches and fraudulent activities exist that may be perpetrated against e-commerce payment systems such as Skimming attacks, phishing attack, hacking, and physical attack, etc. Also, systems strategies that guarantee e-commerce payment systems security exist within the implementation of procedures, policies, resources, and operations to mitigate certain e-commerce payment systems security threats, vulnerabilities, and risks. Result from this study may bring trust and enhance e-commerce payment system adoption rate, new innovation and influence that may advance and guarantee e-commerce payment systems security innovations in Nigeria.

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