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My own research was conducted at Nigeria’s premier University of Ibadan.My aim was to determine how this subculture is organised among students in tertiary institutions.For successful execution of fraud, an insider within the bank is important: the banker facilitates payment without attracting the attention of security agencies. The instability in the Nigerian banking sector may have created an uncommitted workforce.Working in an insecure establishment makes workers vulnerable.

The “yahoo boys” stay in physical communes of like-minded individuals and use this network to launch internet attacks.For this I spoke to a number of these “yahoo-boys”.Internet fraud is organised along areas of specialisation to make a success of the deviant behaviour.These networks revolve around banks, security agencies, co-fraudsters and, sometimes, families.The common means of collecting fraud money in Nigeria is through the banks, mostly through the Western Union money transfer.

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