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Then I looked for the profile of people that live in developed countries.

But if it is in Nigeria, I look for people who live in places like Port Harcourt, Abuja [luxury suburbs].

I always posed to them as a big man who needed a wife.

The fraudsters carry out their attacks mostly on weekends and mostly outside the state where the account is domiciled. This means victims will be unable to ask their banks to stop illegal transactions on their accounts until Monday morning, when the banks open for business, even though they receive debit alerts over the weekend.

A large numbers of casual workers are deployed to man key positions in the banks. Therefore the “yahoo-boys” find easy allies in banking staff, who are mostly youths too, because of their socioeconomic nightmare.

The fear of unemployment has been identified as a push factor for undergraduates’ involvement in internet fraud.

Plus, the proliferation of internet service providers in Nigeria has made it even easier for scamsters to commit internet fraud.

It is now as simple as buying modems and surfing the internet within the confines of their privately rented apartments on campus.