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What You See Is Not What You Know: Studying Deception In Deepfake Video Manipulation, Cathryn Allen, Bryson R. Payne, Tamirat Abegaz, Chuck Robertson Oct 2023

What You See Is Not What You Know: Studying Deception In Deepfake Video Manipulation, Cathryn Allen, Bryson R. Payne, Tamirat Abegaz, Chuck Robertson

Journal of Cybersecurity Education, Research and Practice

Research indicates that deceitful videos tend to spread rapidly online and influence people’s opinions and ideas. Because of this, video misinformation via deepfake video manipulation poses a significant online threat. This study aims to discover what factors can influence viewers’ capability to distinguish deepfake videos from genuine video footage. This work focuses on exploring deepfake videos’ potential use for deception and misinformation by exploring people’s ability to determine whether videos are deepfakes in a survey consisting of deepfake videos and original unedited videos. The participants viewed a set of four videos and were asked to judge whether the videos shown …


Editorial, Michael E. Whitman, Herbert J. Mattord Oct 2023

Editorial, Michael E. Whitman, Herbert J. Mattord

Journal of Cybersecurity Education, Research and Practice

Editorial for Volume 2023, Issue 2


Integrating Certifications Into The Cybersecurity College Curriculum: The Efficacy Of Education With Certifications To Increase The Cybersecurity Workforce, Binh Tran, Karen C. Benson, Lorraine Jonassen Oct 2023

Integrating Certifications Into The Cybersecurity College Curriculum: The Efficacy Of Education With Certifications To Increase The Cybersecurity Workforce, Binh Tran, Karen C. Benson, Lorraine Jonassen

Journal of Cybersecurity Education, Research and Practice

One only needs to listen to the news reports to recognize that the gap between securing the enterprise and cybersecurity threats, breaches, and vulnerabilities appears to be widening at an alarming rate. An un-tapped resource to combat these attacks lies in the students of the secondary educational system. Necessary in the cybersecurity education is a 3-tiered approach to quickly escalate the student into a workplace-ready graduate. The analogy used is a three-legged-stool, where curriculum content, hands-on skills, and certifications are equal instruments in the edification of the cybersecurity student. This paper endeavors to delve into the 3rd leg of …


Privacy Harm And Non-Compliance From A Legal Perspective, Suvineetha Herath, Haywood Gelman, Lisa Mckee Oct 2023

Privacy Harm And Non-Compliance From A Legal Perspective, Suvineetha Herath, Haywood Gelman, Lisa Mckee

Journal of Cybersecurity Education, Research and Practice

In today's data-sharing paradigm, personal data has become a valuable resource that intensifies the risk of unauthorized access and data breach. Increased data mining techniques used to analyze big data have posed significant risks to data security and privacy. Consequently, data breaches are a significant threat to individual privacy. Privacy is a multifaceted concept covering many areas, including the right to access, erasure, and rectify personal data. This paper explores the legal aspects of privacy harm and how they transform into legal action. Privacy harm is the negative impact to an individual as a result of the unauthorized release, gathering, …


Like Treating The Symptom Rather Than The Cause - The Omission Of Courses Over Terrorism In Nsa Designated Institutions, Ida L. Oesteraas Oct 2023

Like Treating The Symptom Rather Than The Cause - The Omission Of Courses Over Terrorism In Nsa Designated Institutions, Ida L. Oesteraas

Journal of Cybersecurity Education, Research and Practice

The National Security Agency (NSA) awards Center of Academic Excellence (CAE) designations to institutions that commit to producing cybersecurity professionals who will work in careers that reduce vulnerabilities in our national infrastructure. A review of the curricula in the 327 institutions and their degree programs reveal that only two programs offer a required course about terrorism. Given the fluid nature of terrorism and its threat to national infrastructure, the omission is concerning. It is recommended that NSA-certified cybersecurity programs begin implementing educational content that aim to teach about this emerging crime and justice issue. One suggestion is to embrace the …


Service-Oriented Framework For Developing Interoperable E-Health Systems In A Low-Income Country, Bonface Abima, Agnes Nakakawa, Geoffrey Mayoka Kituyi Oct 2023

Service-Oriented Framework For Developing Interoperable E-Health Systems In A Low-Income Country, Bonface Abima, Agnes Nakakawa, Geoffrey Mayoka Kituyi

The African Journal of Information Systems

e-Health solutions in low-income countries are fragmented, address institution-specific needs, and do little to address the strategic need for inter-institutional exchange of health data. Although various e-health interoperability frameworks exist, contextual factors often hinder their effective adoption in low-income countries. This underlines the need to investigate such factors and to use findings to adapt existing e-health interoperability models. Following a design science approach, this research involved conducting an exploratory survey among 90 medical and Information Technology personnel from 67 health facilities in Uganda. Findings were used to derive requirements for e-health interoperability, and to orchestrate elements of a service oriented …


Phishing Attacks: A Security Challenge For University Students Studying Remotely, Blessing Nyasvisvo, Joel M. Chigada Sep 2023

Phishing Attacks: A Security Challenge For University Students Studying Remotely, Blessing Nyasvisvo, Joel M. Chigada

The African Journal of Information Systems

The emergence of the deadly global respiratory coronavirus disease (COVID-19) in 2019 claimed many lives and altered the way people live and behave as well as how companies operated. Considerable pressure was exerted on Institutions of Higher Learning (universities) to salvage the academic projects through the process of business model reconfiguration. Students were required to study remotely and were, therefore, exposed to phishing and scamming cyber-attacks. The effects of these attacks were examined in this study with the support of literature and empirical research leading to appropriate recommendations being proposed. Data were obtained through semi-structured interviews from students at a …


Smartphone Use In Financial Management Among Women’S Informal Saving Groups In Dodoma, Tanzania, Madina H. Juma, Jarkko Suhonen, Nasibu Rajabu Mramba, Matti Tedre, Alsen F. Kapinga Jul 2023

Smartphone Use In Financial Management Among Women’S Informal Saving Groups In Dodoma, Tanzania, Madina H. Juma, Jarkko Suhonen, Nasibu Rajabu Mramba, Matti Tedre, Alsen F. Kapinga

The African Journal of Information Systems

Diffusion of smartphone technology has created multiple opportunities for economic development. This research investigated the use of smartphones in financial management among women’s informal saving groups in Dodoma, Tanzania. Qualitative data were collected from 10 groups, derived from 15 interviews and 3 focus group discussions (FGDs) with 22 participants and thematic analysis was done. The findings revealed that research participants were using smartphones to access WhatsApp, the camera, mobile money applications and the calculator for coordination, recording, calculation, and payment. It was also found that untrustworthy communications, high charges and mobile fraud were challenges experienced by the groups. Familiarity, ease …


Cyberbullying: Senior Prospective Teachers’ Coping Knowledge And Strategies, Kürşat Arslan, İnan Aydın Jul 2023

Cyberbullying: Senior Prospective Teachers’ Coping Knowledge And Strategies, Kürşat Arslan, İnan Aydın

Journal of Cybersecurity Education, Research and Practice

This study aimed to determine senior prospective teachers’ coping knowledge and strategies for cyberbullying in terms of demographic variables. The sample consisted of 471 prospective teachers (324 female and 147 male) studying in the 4th grade in Dokuz Eylül University Buca Education Faculty in Izmir in the 2019-2020 academic year. It was a quantitative study using a causal-comparative research design to find out whether prospective teachers’ coping knowledge differed by independent variables. The "Coping with Cyberbullying Scale" developed by Koç et al. (2016) was employed to discover prospective teachers’ coping strategies for cyberbullying. A "Personal Information" form was also prepared …


Sociocultural Barriers For Female Participation In Stem: A Case Of Saudi Women In Cybersecurity, Alanoud Aljuaid, Xiang Michelle Liu Jul 2023

Sociocultural Barriers For Female Participation In Stem: A Case Of Saudi Women In Cybersecurity, Alanoud Aljuaid, Xiang Michelle Liu

Journal of Cybersecurity Education, Research and Practice

The participation of women in Science, Technology, Engineering, and Mathematics (STEM) workforces is overwhelmingly low as compared to their male counterparts. The low uptake of cybersecurity careers has been documented in the previous studies conducted in the contexts of the West and Eastern worlds. However, most of the past studies mainly covered the Western world leaving more knowledge gaps in the context of Middle Eastern countries such as Saudi Arabia. Thus, to fill the existing knowledge gaps, the current study focused on women in Saudi Arabia. The aim of the study was to investigate the factors behind the underrepresentation of …


Editorial - 2023 - 1, Hossain Shahriar, Herbert J. Mattord, Michael E. Whitman Jul 2023

Editorial - 2023 - 1, Hossain Shahriar, Herbert J. Mattord, Michael E. Whitman

Journal of Cybersecurity Education, Research and Practice

No abstract provided.


Case Study: The Impact Of Emerging Technologies On Cybersecurity Education And Workforces, Austin Cusak Jul 2023

Case Study: The Impact Of Emerging Technologies On Cybersecurity Education And Workforces, Austin Cusak

Journal of Cybersecurity Education, Research and Practice

A qualitative case study focused on understanding what steps are needed to prepare the cybersecurity workforces of 2026-2028 to work with and against emerging technologies such as Artificial Intelligence and Machine Learning. Conducted through a workshop held in two parts at a cybersecurity education conference, findings came both from a semi-structured interview with a panel of experts as well as small workgroups of professionals answering seven scenario-based questions. Data was thematically analyzed, with major findings emerging about the need to refocus cybersecurity STEM at the middle school level with problem-based learning, the disconnects between workforce operations and cybersecurity operators, the …


How Effective Are Seta Programs Anyway: Learning And Forgetting In Security Awareness Training, David Sikolia, David Biros, Tianjian Zhang Jul 2023

How Effective Are Seta Programs Anyway: Learning And Forgetting In Security Awareness Training, David Sikolia, David Biros, Tianjian Zhang

Journal of Cybersecurity Education, Research and Practice

Prevalent security threats caused by human errors necessitate security education, training, and awareness (SETA) programs in organizations. Despite strong theoretical foundations in behavioral cybersecurity, field evidence on the effectiveness of SETA programs in mitigating actual threats is scarce. Specifically, with a broad range of cybersecurity knowledge crammed into in a single SETA session, it is unclear how effective different types of knowledge are in mitigating human errors in a longitudinal setting. his study investigates how knowledge gained through SETA programs affects human errors in cybersecurity to fill the longitudinal void. In a baseline experiment, we establish that SETA programs reduce …


Compete To Learn: Toward Cybersecurity As A Sport, Tj Oconnor, Dane Brown, Jasmine Jackson, Bryson Payne, Suzanna Schmeelk Jul 2023

Compete To Learn: Toward Cybersecurity As A Sport, Tj Oconnor, Dane Brown, Jasmine Jackson, Bryson Payne, Suzanna Schmeelk

Journal of Cybersecurity Education, Research and Practice

To support the workforce gap of skilled cybersecurity professionals, gamified pedagogical approaches for teaching cybersecurity have exponentially grown over the last two decades. During this same period, e-sports developed into a multi-billion dollar industry and became a staple on college campuses. In this work, we explore the opportunity to integrate e-sports and gamified cybersecurity approaches into the inaugural US Cyber Games Team. During this tenure, we learned many lessons about recruiting, assessing, and training cybersecurity teams. We share our approach, materials, and lessons learned to serve as a model for fielding amateur cybersecurity teams for future competition.


Examination Of Cybersecurity Technologies, Practices, Challenges, And Wish List In K-12 School Districts, Florence Martin, Julie Bacak, Erik Jon Byker, Weichao Wang, Jonathan Wagner, Lynn Ahlgrim-Delzell Jul 2023

Examination Of Cybersecurity Technologies, Practices, Challenges, And Wish List In K-12 School Districts, Florence Martin, Julie Bacak, Erik Jon Byker, Weichao Wang, Jonathan Wagner, Lynn Ahlgrim-Delzell

Journal of Cybersecurity Education, Research and Practice

With the growth in digital teaching and learning, there has been a sharp rise in the number of cybersecurity attacks on K-12 school networks. This has demonstrated a need for security technologies and cybersecurity education. This study examined security technologies used, effective security practices, challenges, concerns, and wish list of technology leaders in K-12 settings. Data collected from 23 district websites and from interviews with 12 district technology leaders were analyzed. Top security practices included cloud-based technologies, segregated network/V-LAN, two-factor authentication, limiting access, and use of Clever or Class Link. Top challenges included keeping users informed, lack of buy-in from …


A Methodology For Context—Specific Information Systems Design Theorizing, Muluneh Atinaf, Salehu Anteneh, Mesfin Kifle May 2023

A Methodology For Context—Specific Information Systems Design Theorizing, Muluneh Atinaf, Salehu Anteneh, Mesfin Kifle

The African Journal of Information Systems

Prescriptive knowledge constitutes one of the important contributions of information systems design theorizing in information systems (IS) research. Existing methods for IS design theorizing apply kernel/reference theories as sources of justificatory knowledge that serve to justify and validate the knowledge produced. This has gaps in guiding how specific contexts of stakeholders and their practices can be entertained in the design process. This research attempts to address the above void, taking a socio-technically complex agricultural extension information service and the contexts that define it into account. The research builds on an existing IS design theory framework and shows how it can …


Privacy And Security Information Awareness And Disclosure Of Private Information By Users Of Online Social Media In The Ibadan Metropolis, Nigeria, Funmilola Olubunmi Omotayo, Joy Oluwabukola Olayiwola Feb 2023

Privacy And Security Information Awareness And Disclosure Of Private Information By Users Of Online Social Media In The Ibadan Metropolis, Nigeria, Funmilola Olubunmi Omotayo, Joy Oluwabukola Olayiwola

The African Journal of Information Systems

The purpose of this paper is to investigate information privacy and security awareness among online social media (OSM) users in the Ibadan metropolis, Nigeria. Building upon the social exchange theory, some factors that could influence the disclosure of private information on social media were identified. Findings from the analysis of data of 255 respondents revealed that most were aware of information privacy and security measures available on OSM, and the risks associated with the disclosure of private information on OSM. Privacy and security awareness, the perception of benefits associated with the use of OSM, the perception of risks associated with …


Reinventing Cybersecurity Internships During The Covid-19 Pandemic, Lori L. Sussman Jan 2023

Reinventing Cybersecurity Internships During The Covid-19 Pandemic, Lori L. Sussman

Journal of Cybersecurity Education, Research and Practice

The Cybersecurity Ambassador Program provides professional skills training for emerging cybersecurity professionals remotely. The goal is to reach out to underrepresented populations who may use Federal Work-Study (FWS) or grant sponsored internships to participate. Cybersecurity Ambassadors (CAs) develop skills that will serve them well as cybersecurity workers prepared to do research, lead multidisciplinary, technical teams, and educate stakeholders and community members. CAP also reinforces leadership skills so that the next generation of cybersecurity professionals becomes a sustainable source of management talent for the program and profession. The remote curriculum innovatively builds non-technical professional skills (communications, teamwork, leadership) for cybersecurity research …


Risk Perceptions About Personal Internet-Of-Things: Research Directions From A Multi-Panel Delphi Study, Paul M. Di Gangi, Barbara A. Wech, Jennifer D. Hamrick, James L. Worrell, Samuel H. Goh Jan 2023

Risk Perceptions About Personal Internet-Of-Things: Research Directions From A Multi-Panel Delphi Study, Paul M. Di Gangi, Barbara A. Wech, Jennifer D. Hamrick, James L. Worrell, Samuel H. Goh

Journal of Cybersecurity Education, Research and Practice

Internet-of-Things (IoT) research has primarily focused on identifying IoT devices' organizational risks with little attention to consumer perceptions about IoT device risks. The purpose of this study is to understand consumer risk perceptions for personal IoT devices and translate these perceptions into guidance for future research directions. We conduct a sequential, mixed-methods study using multi-panel Delphi and thematic analysis techniques to understand consumer risk perceptions. The results identify four themes focused on data exposure and user experiences within IoT devices. Our thematic analysis also identified several emerging risks associated with the evolution of IoT device functionality and its potential positioning …


Cybersecurity Continuity Risks: Lessons Learned From The Covid-19 Pandemic, Tyler Fezzey, John H. Batchelor, Gerald F. Burch, Randall Reid Jan 2023

Cybersecurity Continuity Risks: Lessons Learned From The Covid-19 Pandemic, Tyler Fezzey, John H. Batchelor, Gerald F. Burch, Randall Reid

Journal of Cybersecurity Education, Research and Practice

The scope and breadth of the COVID-19 pandemic were unprecedented. This is especially true for business continuity and the related area of cybersecurity. Historically, business continuity and cybersecurity are viewed and researched as separate fields. This paper synthesizes the two disciplines as one, thus pointing out the need to address both topics simultaneously. This study identifies blind spots experienced by businesses as they navigated through the difficult time of the pandemic by using data collected during the height of the COVID-19 pandemic. One major shortcoming was that most continuity and cybersecurity plans focused on single-axis threats. The COVID-19 pandemic resulted …


Using Accounting Software For Teaching And Learning In A Second-Year Accounting Course, Lesley J. Stainbank Prof, Thanesha Reddy Jankeeparsad, Aarthi Algu Jan 2023

Using Accounting Software For Teaching And Learning In A Second-Year Accounting Course, Lesley J. Stainbank Prof, Thanesha Reddy Jankeeparsad, Aarthi Algu

The African Journal of Information Systems

The aim of this paper is to report students’ perceptions on whether the use of accounting software enhances their understanding of the accounting cycle, and improves their information technology skills. Kolb’s experiential learning cycle is used to argue that offering a concrete learning experience increases effective learning. The study uses survey research to determine students’ perspectives of the usefulness of using accounting software in enhancing their understanding of the accounting cycle in a real business environment. The results show that students perceived the accounting example they used in the accounting software training to have some benefits in helping their understanding …


Organizing Digital Platforms And Customer Needs For Digital Service Innovation, Gamel O. Wiredu Dec 2022

Organizing Digital Platforms And Customer Needs For Digital Service Innovation, Gamel O. Wiredu

The African Journal of Information Systems

Digital organizations have become highly dependent on digital platforms and customer needs as key resources for digital service innovation. These resources in the competitive environment are making and shaping innovation of digital services because, though external, they remain central to digital organizations’ strategic innovation and competitiveness. Yet, how and why organizing these resources influences digital service innovation is under-explained in the literature. This paper, based on an empirical study and grounded theory methodology, addresses this limitation. It explains that digital service innovation occurs through two complementary types of organizing, namely: foundational knowledge organizing by combining digital platforms and customer needs, …


Modelling Online Advertising Design Quality Influences On Millennial Consumer Attitudes In South Africa, Rodney G. Duffett Dr, Natassha V. Miller Ms Nov 2022

Modelling Online Advertising Design Quality Influences On Millennial Consumer Attitudes In South Africa, Rodney G. Duffett Dr, Natassha V. Miller Ms

The African Journal of Information Systems

Millennials’ advanced knowledge and exposure to product experiences, and irrelevant placement of online advertising has led to an increase of online advertising avoidance. However, effective online advertising design may assist in establishing more positive sentiments towards digital forms of marketing communication. The study used the visual rhetoric theory as the theoretical basis to examine millennial consumer attitudes. The main research aims were to propose an online advertising design quality model, and to ascertain the influence of online advertising design quality on millennial consumer attitudes. The study employed a quantitative research design via an empirical online survey. Online advertising design quality …


Value Propositions Of Implemented E-Government Projects: Towards Developing A Framework From A Systematic Review, Yusuf Ephraim Chidama, Chidi Ononiwu Nov 2022

Value Propositions Of Implemented E-Government Projects: Towards Developing A Framework From A Systematic Review, Yusuf Ephraim Chidama, Chidi Ononiwu

The African Journal of Information Systems

This study aims to develop a framework that identifies and measures the value propositions of implemented e-Government projects. Consequently, the study conducted a systematic review using a concept-centric and thematic approach by reviewing 84 articles as primary research data. In doing so, it identified: (1) effective public organizations; (2) quality service delivery; (3) open government and democratic value; and (4) social value and well-being. Furthermore, two gaps were identified, namely a dearth of studies on the measures well as actualization, and sustainability of the value propositions. The study synchronized the identified value propositions to develop a framework for value propositions …


Digital Contact Tracing And Privacy, Mahdi Nasereddin, Edward J. Glantz, Galen A. Grimes, Joanne Peca, Michelle Gordon, Mike Bartolacci Jul 2022

Digital Contact Tracing And Privacy, Mahdi Nasereddin, Edward J. Glantz, Galen A. Grimes, Joanne Peca, Michelle Gordon, Mike Bartolacci

Journal of Cybersecurity Education, Research and Practice

Digital contact tracing tools were developed to decrease the spread of COVID-19 by supplementing traditional manual methods. Although these tools have great potential, they were developed rather quickly resulting in tools with varying levels of success. The main issues with these tools are over privacy and who might have access to the information gathered. In general, their effectiveness varied globally, where users expressed privacy concerns associated with sharing identity, illness, and location information. This paper reviews these issues in deployments across Asia, Europe, and the United States. The goal is to begin a discussion that improves the design and development …


Security Simulations In Undergraduate Education: A Review, Joseph Simpson, Aaron Brantly Jul 2022

Security Simulations In Undergraduate Education: A Review, Joseph Simpson, Aaron Brantly

Journal of Cybersecurity Education, Research and Practice

Several decades of research in simulation and gamification in higher education shows that simulations are highly effective in improving a range of outcomes for students including declarative knowledge and interest in the topic being taught. While there appears to be a broad array of options to provide education in an undergraduate setting related to security, no previous reviews have explored computer-based simulations covering all facets of security. Given the increasing importance and adoption of interdisciplinary educational programs, it is important to take stock of simulations as a tool to broaden the range of problems, perspectives, and solutions presented to students. …


The Acceptance And Use Of Online Learning By Law Students In A South African University: An Application Of The Utaut2 Model, Jameson Goto, Anzanilufuno Munyai Jul 2022

The Acceptance And Use Of Online Learning By Law Students In A South African University: An Application Of The Utaut2 Model, Jameson Goto, Anzanilufuno Munyai

The African Journal of Information Systems

COVID-19 forced many universities to shift from traditional face-to-face or blended learning, to full online learning. The sudden shift was not easy for both students and lecturers, who had to adapt to the new learning mode. This study aimed to evaluate the acceptance and use of online learning of university students in the law faculty at a South African university during the COVID-19 pandemic. The study employs the extended unified theory of acceptance and use of technology (UTAUT2) model particularised to the online learning context in a country with a developing economy. An online survey was administered to the student …


Editorial, Michael E. Whitman, Herbert J. Mattord, Hossain Shahriar Jun 2022

Editorial, Michael E. Whitman, Herbert J. Mattord, Hossain Shahriar

Journal of Cybersecurity Education, Research and Practice

Since 2016, it has been the mission of the Journal of Cybersecurity Education, Research, and Practice (JCERP) to be a premier outlet for high-quality information security and cybersecurity-related articles of interest to teaching faculty and students. This is the 12th edition of the (JCERP) and, as ever, we are seeking authors who produce high-quality research and practice-oriented articles focused on the development and delivery of information security and cybersecurity curriculum, innovation in applied scholarship, and industry best practices in information security and cybersecurity in the enterprise for double-blind review and publication. The journal invites submissions on Information Security, Cybersecurity, …


Determinants Of Software-As-A-Service Adoption By Small And Medium Enterprises In Tanzania, Riziki Majengo, Mercy Mbise May 2022

Determinants Of Software-As-A-Service Adoption By Small And Medium Enterprises In Tanzania, Riziki Majengo, Mercy Mbise

The African Journal of Information Systems

Organizations in developed economies use the software-as-a-service (SaaS) model to improve performance and efficiency. However, its adoption in developing economies such as Tanzania is very low due to limited research on its adoption. This study enhances the adoption of SaaS in Tanzanian small and medium enterprises (SMEs) by proposing a conceptual framework based on the diffusion of innovation theory and the technology-organization-environment framework and recommending strategies for improving adoption. The framework was tested using regression analysis on data collected from 139 SMEs. Findings show that eight factors, relative advantage, compatibility, awareness, cost, perceived security and privacy risk, reliability and availability, …


Challenges Smallholder Farmers Face In Extracting Value From Agricultural Information, Daniel Muhanguzi, John Ngubiri May 2022

Challenges Smallholder Farmers Face In Extracting Value From Agricultural Information, Daniel Muhanguzi, John Ngubiri

The African Journal of Information Systems

Agricultural information can enhance smallholder farmers’ knowledge and decision-making ability, where the ubiquity of ICTs has resulted in an exponential increase of ICT based agricultural information services. However, there is still poor utilization of agricultural information. This study examines challenges that impede smallholder farmers from deriving value from agricultural information despite availability of information services. A mixed-method research approach was employed to gather data from 200 farmers using semi-structured interviews, Likert scale surveys and five focus group discussions. The findings indicate that the challenges faced include low education levels, poor quality information, poorly designed information channels, and high cost of …