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  1. Financial fraud in developing countries
    common scam detection tips do not help distinguish scam from non-scam messages
    Author: Kubilay, Elif; Raiber, Eva; Spantig, Lisa; Cahlíková, Jana; Kaaria, Lucy
    Published: November 2023
    Publisher:  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... more

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    Verlag (kostenfrei)
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    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 838
    Inter-library loan:
    No inter-library loan

     

    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.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/279765
    Series: ECONtribute policy brief ; no. 056
    Scope: 1 Online-Ressource (circa 7 Seiten), Illustrationen
  2. Can you spot a scam?
    measuring and improving scam identification ability
    Author: Kubilay, Elif; Raiber, Eva; Spantig, Lisa; Cahlíková, Jana; Kaaria, Lucy
    Published: 23 January 2023
    Publisher:  Centre for Economic Policy Research, London

    Access:
    Verlag (lizenzpflichtig)
    Verlag (lizenzpflichtig)

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    LZ 161
    Inter-library loan:
    No inter-library loan

    Location:
    Universitätsbibliothek Mannheim
    Inter-library loan:
    No inter-library loan
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Series: Array ; DP17836
    Subjects: Consumer protection; consumer fraud; digital financial services; scam susceptibility; scam education; Kenya
    Scope: 1 Online-Ressource (circa 47 Seiten), Illustrationen
  3. Can you spot a scam?
    measuring and improving scam identification ability
    Author: Kubilay, Elif; Raiber, Eva; Spantig, Lisa; Cahlíková, Jana; Kaaria, Lucy
    Published: January 2023
    Publisher:  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... more

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

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 63
    Inter-library loan:
    No inter-library loan

     

    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.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/271883
    Series: CESifo working papers ; 10239 (2023)
    Subjects: consumer protection; consumer fraud; digital financial services; scam susceptibility; scam education; Kenya
    Scope: 1 Online-Ressource (circa 46 Seiten), Illustrationen