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Social engineering attacks are possibly one of the most dangerous forms of security and privacy attacks since they are technically oriented to psychological manipulation and have been growing in frequency with no end in sight. This research study assessed the major aspects and underlying concepts of social engineering attacks and their influence in the New Zealand banking sector. The study further identified attack stages and provided a user-reflective model for the mitigation of attacks atdoi:10.3390/info9050110 fatcat:v6ggtdp5x5febj2fjaeaopcx3m