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  1. Can you spot a scam?
    measuring and improving scam identification ability
    Autor*in: Kubilay, Elif; Raiber, Eva; Spantig, Lisa; Cahlíková, Jana; Kaaria, Lucy
    Erschienen: January 2023
    Verlag:  CESifo, Munich, Germany

    The recent expansion of digital financial products leads to severe consumer protection issues such as fraud and scams. As these potentially decrease trust in digital services, especially in developing countries, avoiding victimization has become an... mehr

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    Verlag (kostenfrei)
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)

    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 63
    Fernleihe:
    keine Fernleihe

     

    The recent expansion of digital financial products leads to severe consumer protection issues such as fraud and scams. As these potentially decrease trust in digital services, especially in developing countries, avoiding victimization has become an important policy objective. In an online experiment, we first investigate how well individuals in Kenya identify phone scams using a novel measure of scam identification ability. We then test the effectiveness of scam education, a commonly used approach by banks and institutions for fraud and scam prevention. We find that common tips on how to spot scams do not significantly improve individuals' scam identification ability, i.e., the distinction of scams from genuine messages. This null effect is driven by an increase in correctly identified scams and a decrease in correctly identified genuine messages. We interpret this as an increase in caution. In addition, we find suggestive evidence that genuine messages which contain scam-like features are more likely to be misclassified, highlighting the importance of a careful design of official communication.

     
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10419/271883
    Schriftenreihe: CESifo working papers ; 10239 (2023)
    Schlagworte: consumer protection; consumer fraud; digital financial services; scam susceptibility; scam education; Kenya
    Umfang: 1 Online-Ressource (circa 46 Seiten), Illustrationen
  2. Can you spot a scam?
    measuring and improving scam identification ability
    Autor*in: Kubilay, Elif; Raiber, Eva; Spantig, Lisa; Cahlíková, Jana; Kaaria, Lucy
    Erschienen: 23 January 2023
    Verlag:  Centre for Economic Policy Research, London

    Zugang:
    Verlag (lizenzpflichtig)
    Verlag (lizenzpflichtig)

    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    LZ 161
    Fernleihe:
    keine Fernleihe

    Standort:
    Universitätsbibliothek Mannheim
    Fernleihe:
    keine Fernleihe
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Schriftenreihe: Array ; DP17836
    Schlagworte: Consumer protection; consumer fraud; digital financial services; scam susceptibility; scam education; Kenya
    Umfang: 1 Online-Ressource (circa 47 Seiten), Illustrationen
  3. Financial fraud in developing countries
    common scam detection tips do not help distinguish scam from non-scam messages
    Autor*in: Kubilay, Elif; Raiber, Eva; Spantig, Lisa; Cahlíková, Jana; Kaaria, Lucy
    Erschienen: November 2023
    Verlag:  ECONtribute, [Bonn]

    The expansion of digital financial services raises serious consumer protection concerns, including fraud, especially in developing countries. This column reports findings from an online experiment in Kenya which suggest that conventional scam... mehr

    Zugang:
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)

    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 838
    Fernleihe:
    keine Fernleihe

     

    The expansion of digital financial services raises serious consumer protection concerns, including fraud, especially in developing countries. This column reports findings from an online experiment in Kenya which suggest that conventional scam detection tips do not improve individuals' ability to distinguish between scams and genuine messages. Rather, they make people over-cautious - a result partly driven by official communication often including scam markers.

     
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10419/279765
    Schriftenreihe: ECONtribute policy brief ; no. 056
    Umfang: 1 Online-Ressource (circa 7 Seiten), Illustrationen