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This paper presents a classification of e-payment customers in Nigeria on the basis of high and low involvement and to find out the perceived risk/security factors that are dominant in the classification. Based on an empirical survey of e-banking customers from different segments in Nigeria with questionnaire as the instrument for data collection; the authors employed discriminant analysis to ascertain which of the perceived risk/security factors of psychological risk, quality risk, time-loss risk, financial risk, physical risk and security that are dominant in classifying e-banking customers on the basis of high and low involvement. The results show that the ATM/debit/credit cards command high involvement followed by telephone/GSM banking, while others like master/visa cards, internet banking, among others are less preferred. Time-loss risk and security are the most dominant in classifying e-banking customers though these two factors are the dominant the discriminant structure matrix show that the seven factors are important as they all contribute to the classification. The findings of this study has implications for banks and policy makers toward ensuring that e-banking services are secure and that the risks associated e-banking transactions are minimised. The study also has implications for further studies in consumer involvement and consumer behaviour.

Perceived Risk/Security and Consumer Involvement with Electronic Payments in Nigeria: A Discriminant Analysis.