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They may stand at ATM galleries to feign assistance to vulnerable users — illiterates, the old and the physically challenged — and later swap cards to defraud them. The fraudsters carry out their attacks mostly on weekends and mostly outside the state where the account is domiciled. Banks are mostly non-functional on weekends. 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.
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Working in an insecure establishment makes workers vulnerable. More than 2, bankers have lost their jobs due to economic recession in the country. A large numbers of casual workers are deployed to man key positions in the banks. This makes way for criminal opportunities. They see internet fraud as a creative outlet in a country like Nigeria. 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.
They share information on a particular target and find new ways of making prospective targets yield to their deceit. They are able to get help, share internet costs and jointly pay for fuel for generators, which are used to power their computers.