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To ensure that non-response bias did not affect the study, we used t-tests on the mean discrepancies between the early respondents and late ones. Fortunately, the study observed no statistically significant differences between them. Furthermore, as noted above, we collected our data in 2 segregated booklets, 1 for the independent variables and 1 for the dependent variable, and at 2 different times to minimize common method biases . To check if CMB had affected our data, we used Harman’s single factor test, in which we loaded all items measuring latent variables into 1 common factor. The total variance for the single factor was 31.32 (less than 50%), suggesting that CMB was not a concern in our study. We divided our questionnaire into 2 booklets, 1 for independent variables, and the other for the dependent variable. It also permits easy monitoring of any suspicious activity on their accounts, making consumers a great partner in the struggle against digital theft. Some online banking ...