“…BVN is a unique number given to customers across banks to protect fraud and ease banking transactions (Craven & Eloff, 2010;Schiavi & Behr, 2018). Opeyemi, Gbenga, Metfula, and Opeoluwa (2017) asserted that it was introduced in 2014 by the Central Bank of Nigeria to protect against the high rate of money laundry and fraud in the banking system. The need for BVN resulted from the inefficiency associated with the initial conventional security systems of password and Personal Identification Number (PIN) of customers (Kolapo, Ache, & Abbah, 2015).…”