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                <text> Analysis of Security Issues In Electronic &#13;
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&#13;
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                <text>The patronage of e-payment systems has significantly increased over the years. In some parts of the world, it has become the most preferred medium of payment. As at 2015, seven out of eight transactions were done electronically in Europe (BUONAGUIDI, 2017). E-payment systems have become essential over time and has necessitated the development of stringent controls to ensure that they are safe to use. Due to the several types of e-payment systems (mobile money, card payment, ACH1) being used in Ghana, the research was narrowed down to card payments give focus to the research in order to make relevant analysis. To make a significant argument on the subject matter, this research employed the use of questionnaires and interviews. Questionnaires were developed for users or consumers of e-payment systems whiles interviews were developed for e-payment vendors (bank). Forty people responded to the research and gave their views on the subject matter whiles five banks represented the banking/vendor space. The inclusion of both card users and vendors in the research gave a 360 analysis of the card payment system. Consumer and producer views were obtained and analyzed provide a holistic view.&#13;
The results of the research showed that 80% of banks in Ghana were not certified in card payment security(PCIDSS2). This means that although majority of banks are issuing out cards and card payment systems (POS and web acquirers), there is no proof that they(banks) have a secured infrastructure to support card payment systems. The results also showed that only 53% of users practice acceptable ways of using cards.&#13;
In conclusion this research showed that although some users are aware of basic card security, there is still a lot of work to be done by card payment vendors (banks) to ensure the security of card payment systems in Ghana. The requirements of this certification(PCIDSS) are stringent&#13;
and will ensure that the accompanying risk of being a provider of card payment systems are mitigated appropriately.</text>
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                <text> MSc Management Information System</text>
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                <text>Ghana Technology University College</text>
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                <text> Isaac Hanson&#13;
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                <text>Crime Predictive Model in Cybercrime Based On Social &#13;
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 &#13;
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                <text>If financial institutions cannot detect incidents effectively, it cannot succeed to responding to incidents. This implies that the detection of incidents, is the most important aspect of incident response. A stochastic process with a first order dependence in discrete state and time is described as Markov chain, in the same way, Bayesian theory is a mathematical framework for reasoning and performing inference using probability. These two theories were used to predict cybercrime occurrence using centralized system in form of a model for Management Information Systems (MIS). The advancement of technology in banking has made banking business processes very convenient, but as the technology advances, cybercrimes of different nature emerges and equally at its peak. In as much as there are different measures already in place to combat these crimes, there still lies so many vulnerabilities which cannot be evitable in any information systems, especially the financial institutions, in other words prediction theory which tends to detect and predict any event can be used to combat this cybercrime activities.&#13;
The theory which was introduced by Markov in 1907 has been applied in many predictive models and at such has been able to describe various phenomena of the real world. In this research study, the application of Markov theory and Markov chain offered ideal conditions for determination of the next target of crime. Similarly, Bayesian inference also analysed the nature of cybercrime and the probability of its occurrence, moreover, it has been recommended that different factors which could possibly cause cybercrime like vulnerabilities of information system, should also be predicted using both theories.&#13;
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Ghana Technology University College&#13;
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