Navigating online perils: Socioeconomic status, online activity lifestyles, and online fraud targeting and victimization of old adults in China

IF 9 1区心理学 Q1 PSYCHOLOGY, EXPERIMENTAL Computers in Human Behavior Pub Date : 2024-09-23 DOI:10.1016/j.chb.2024.108458

Donghui Wang , Yuwei Duan , Yongai Jin

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Abstract

Online fraud poses a growing threat to the well-being of old adults. This study examines the causes and correlates of online fraud targeting and victimization among old adults in China. Drawing insights from the digital inequality theory and lifestyle routine activity theory and utilizing a nationally representative survey of Chinese old adults (N = 4293), this study examines how socioeconomic status and online lifestyle patterns affect their susceptibility to online fraud. The results show that old adults of better socioeconomic status are more likely to be targeted by online frauds, though not necessarily experiencing financial loss. Latent class analysis identifies four online activity lifestyles among old adults: basic, entertainment, risky, and advanced users. Subsequent analysis demonstrates that these lifestyle types predict different risks of online fraud targeting and victimization. Basic users face a heightened risk of being targeted but not necessarily monetary loss. Risky users, while not exhibiting elevated targeting risks compared to basic users, are more susceptible to financial loss once targeted. Advanced users, in contrast to basic users, face elevated risks of being targeted and monetary loss. This study offers new insights into the risk factors for online fraud targeting and victimization among old adults in China, informing the development of effective online fraud prevention programs.

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驾驭网络风险：中国老年人的社会经济地位、网络活动生活方式、网络欺诈目标和受害情况

网络欺诈对老年人的福祉构成日益严重的威胁。本研究探讨了中国老年人成为网络欺诈目标和受害者的原因及相关因素。本研究借鉴数字不平等理论和生活方式常规活动理论，利用一项具有全国代表性的中国老年人调查（N = 4293），探讨了社会经济地位和网络生活方式如何影响老年人对网络欺诈的易感性。结果显示，社会经济地位较高的老年人更容易成为网络欺诈的目标，尽管不一定会遭受经济损失。潜类分析确定了老年人的四种网络活动生活方式：基本用户、娱乐用户、风险用户和高级用户。随后的分析表明，这些生活方式类型预示着不同的网络欺诈目标和受害风险。基本用户面临更高的成为目标的风险，但不一定会遭受金钱损失。与基本用户相比，风险用户虽然没有表现出更高的目标锁定风险，但一旦成为目标，则更容易遭受经济损失。与基本用户相比，高级用户面临更高的成为攻击目标和金钱损失的风险。本研究为了解中国老年人成为网络欺诈目标和受害的风险因素提供了新的视角，为制定有效的网络欺诈预防计划提供了参考。

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来源期刊

Computers in Human Behavior Multiple-

CiteScore

19.10

自引率

4.00%

发文量

381

审稿时长

40 days

期刊介绍： Computers in Human Behavior is a scholarly journal that explores the psychological aspects of computer use. It covers original theoretical works, research reports, literature reviews, and software and book reviews. The journal examines both the use of computers in psychology, psychiatry, and related fields, and the psychological impact of computer use on individuals, groups, and society. Articles discuss topics such as professional practice, training, research, human development, learning, cognition, personality, and social interactions. It focuses on human interactions with computers, considering the computer as a medium through which human behaviors are shaped and expressed. Professionals interested in the psychological aspects of computer use will find this journal valuable, even with limited knowledge of computers.