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 sociodemographic 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.

Date: 2019
Publisher:  Emerald Publishing Limited
Publisher URL: http://wrap.warwick.ac.uk/95156/