Whitty, Monica T. (2019) Predicting susceptibility to cyber-fraud victimhood. Journal of Financial Crime . doi:10.1108/JFC-10-2017-0095 (In Press)

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Abstract

Purpose

This paper develops a theoretical framework to predict susceptibility to cyber-fraud victimhood.

Design/methodology/approach

A survey was constructed to examine whether personality, socio-demographic characteristics, and online routine activities predicted one-off and repeat victimhood of cyber-fraud. Overall, 11,780 participants completed a survey (one-off victims, N = 728; repeat victims = 329).

Findings

The final saturated model revealed that psychological and socio- demographic characteristics and online routine activities should be considered when predicting victimhood. Consistent with the hypotheses, victims of cyber-frauds were more likely to: be older, score high on impulsivity measures of urgency and sensation seeking, score high on addictive measures, engage in more frequent routine activities that place them at great risk of becoming scammed. There was little distinction between one-off and repeat victims of cyber-frauds.

Originality/value

This work uniquely combines psychological, socio-demographic and online behaviours to develop a comprehensive theoretical framework to predict susceptibility to cyber-frauds. Importantly, the work here challenges the current utility of government websites to protect users from becoming scammed and provides insights into methods that might be employed to protect users from becoming scammed.

Item Type:	Journal Article
Subjects:	H Social Sciences > HV Social pathology. Social and public welfare
Divisions:	Faculty of Science > WMG (Formerly the Warwick Manufacturing Group)
Library of Congress Subject Headings (LCSH):	Internet fraud -- Psychological aspects , Victims of crimes -- Psychological aspects
Journal or Publication Title:	Journal of Financial Crime
Publisher:	Emerald Publishing Limited
ISSN:	1359-0790
Official Date:	1 October 2019
Dates:	Date Event 1 October 2019 Published 10 January 2019 Available 19 November 2017 Accepted
Date of first compliant deposit:	21 November 2017
DOI:	10.1108/JFC-10-2017-0095
Status:	Peer Reviewed
Publication Status:	In Press
Access rights to Published version:	Restricted or Subscription Access
Related URLs:	Publisher

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