Whatdoestrusthaveto do with it? Training consumers to detect digital imposter scams

Marguerite DeLiema, Clifford A. Robb and Stephen Wendel

Journal of Financial Crime, 2024, vol. 32, issue 1, 77-97

Abstract: Purpose - One of the insidious effects of government and business imposter scams is the potential erosion of trust among defrauded consumers. This study aims to assess the relationship between prior imposter scam victimization and present ability to discriminate between real and fake digital communications from government agencies and retail companies. Design/methodology/approach - This paper tests whether a short, interactive training can help consumers correctly identify imposter scams without mistrusting legitimate communications. Participants were randomized into one of two control groups or to one of two training conditions: written tips on identifying digital imposter scams, or an interactive fraud detection training program. Participants were tested on their ability to correctly label emails, websites and letters as real or a scam. Findings - This paper find that prior imposter scam victimization is not associated with greater mistrust. Compared to the control conditions, both written tips and interactive digital fraud detection training improved identification of real communications and scams; however, after a two- to three-week delay, the effect of training decreases for scam detection. Originality/value - Results indicate that prior imposter scam victimization is not associated with mistrust, and that one-time fraud detection training improves consumers’ detection of imposter scams but has limited long-term effectiveness.

Keywords: Fraud; Interactive training; Inoculation theory; Randomized control trial; Phishing (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:eme:jfcpps:jfc-12-2023-0314

DOI: 10.1108/JFC-12-2023-0314

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