| 1 |
Author(s):
Oyakegha Ekiyeghazi Samuel (Ph.D.), Obentey Austin Amawei (Ph.D.).
Page No : 1-18
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Impact of Digital Payment Systems on the Aviation Sector Growth in Nigeria.
Abstract
This study examined the effect of digital payment systems on the growth of the aviation sector in Nigeria using quarterly data spanning from 2010Q1 to 2024Q3. Specifically, the study assessed the effects of Point of Sale (POS) transaction values, Mobile Banking (MB) transaction values, Web-based Internet (WBI) transaction values, and Automated Teller Machine (ATM) transaction values on aviation sector output. Aviation sector output served as the dependent variable, while the selected digital payment indicators constituted the explanatory variables. The study adopted an ex post facto research design and a quantitative time-series econometric methodology, utilizing fifty-nine quarterly observations obtained from the Central Bank of Nigeria (CBN) and the Federal Airports Authority of Nigeria (FAAN). Data were analysed using descriptive statistics, correlation analysis, the Augmented Dickey–Fuller (ADF) unit root test, Johansen cointegration test, and Error Correction Model (ECM) estimation with EViews 10. EViews 10 was adopted because it provides robust and reliable procedures for time-series econometric analysis, including unit root, cointegration, and error correction estimation. The unit root results revealed that all variables were integrated of order one, I(1), while the Johansen cointegration test confirmed the existence of a stable long-run relationship among the variables. The empirical findings indicated that POS transaction values exerted a positive and statistically significant effect on aviation sector output; MB transaction values had a negative and statistically significant effect; WBI transaction values had a negative but statistically insignificant effect; and ATM transaction values had a positive and statistically significant effect on aviation sector output. The study concluded that digital payment systems significantly influence aviation sector growth, although the magnitude and direction of the effects vary across payment channels. Consequently, the study recommended expanding POS infrastructure, improving the reliability and security of mobile banking services, strengthening web-based payment platforms, and sustaining the deployment of Automated Teller Machines at airports to enhance the growth of Nigeria's aviation sector.
| 2 |
Author(s):
Evans O. N. D. Ocansey (Ph.D.), Emmanuel Peprah.
Page No : 19-38
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Emerging Cybersecurity Threats, Organizational Vulnerabilities, and Fraud Risk in Digital Work Environments.
Abstract
The rapid expansion of digital technologies has transformed organizational operations while simultaneously increasing exposure to sophisticated cybersecurity threats and cyber-enabled fraud. The convergence of remote work, cloud computing, artificial intelligence, and interconnected digital infrastructures has created new vulnerabilities that challenge traditional approaches to fraud prevention and cybersecurity management. Despite growing scholarly attention to these issues, existing research remains fragmented across multiple disciplines, limiting a comprehensive understanding of the factors influencing organizational resilience against cyber-enabled fraud. This study conducts a systematic literature review (SLR) to synthesize current knowledge on the relationship between emerging cybersecurity threats and organizational fraud risk. Following the PRISMA 2020 guidelines, relevant studies published between 2013 and 2025 were identified through searches of major academic databases, including Scopus, Web of Science, Google Scholar, ScienceDirect, IEEE Xplore, and SpringerLink. After applying predefined inclusion and exclusion criteria, 32 studies were selected for qualitative synthesis. The findings reveal four critical moderating factors that influence the extent to which cybersecurity threats translate into fraud outcomes: organizational cybersecurity culture, regulatory and compliance environments, remote work policies and technological infrastructure, and employee psychological well-being. The review demonstrates that technological controls alone are insufficient to mitigate cyber-enabled fraud. Instead, effective cybersecurity resilience emerges from the interaction of organizational, technological, regulatory, and human factors. Strong cybersecurity cultures, robust regulatory frameworks, secure digital infrastructures, and supportive workplace environments collectively reduce organizational vulnerability to cyber threats and fraudulent activities. The study contributes to the cybersecurity and fraud literature by providing an integrated conceptual framework that links previously fragmented research streams and offers practical insights for policymakers, organizational leaders, and cybersecurity professionals seeking to strengthen organizational resilience in an increasingly complex digital environment.
| 3 |
Author(s):
Rikwentishe Rimamnde (Ph.D.), Nkpurukwe Obabuike Ikeni (Ph.D.), Agabi Tswensan, Inusa Ibrahim.
Page No : 39-51
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Customer Value Creation and Brand Loyalty of Local Rice Production in Taraba State.
Abstract
This study examined the effect of customer value creation on brand loyalty of local rice producers in Taraba State, Nigeria. Specifically, it investigated how product quality and brand reputation influence brand loyalty among consumers of locally produced rice. A descriptive research design was adopted, and data were collected through structured questionnaires administered to 120 respondents. The reliability of the instrument was confirmed using Cronbach’s alpha (0.81), indicating acceptable internal consistency. Data analysis involved correlation and regression techniques to assess the relationship between customer value dimensions and brand loyalty. Findings revealed that product quality significantly enhances brand loyalty by improving customer satisfaction, confidence, and repeat purchase behavior (β = 0.362, p < 0.05). Similarly, brand reputation positively influences brand loyalty by strengthening consumer trust and encouraging long-term patronage of locally produced rice (β = 0.298, p < 0.05). Collectively, these factors contribute to improved customer retention, stronger market positioning, and sustainable competitiveness for rice producers. The study contributes to the literature by providing empirical evidence from the agro-processing sector in Taraba State, highlighting the importance of delivering superior product quality and maintaining credible brand reputation in strengthening customer loyalty. It recommends that local rice producers invest in improved processing technologies, quality control systems, and effective branding strategies to enhance customer trust and sustain long-term brand loyalty.
