Abstract
This PhD thesis examines fraud victimization and prevention, revealing significant insights across various studies. Chapter 1 and 2 introduce fraud as a crime where victims are deceived for profit, noting its increasing prevalence but limited previous research on victimization.
Chapter 3 presents the results of a Dutch victimization survey, highlighting that 16% of the Dutch population aged 16 and above experienced fraud in 2020, with total losses amounting to €2.75 billion.
Chapter 4 analyses risk factors for fraud, identifying self-control, a lack of fraud knowledge, immigration background, and internet usage as key predictors. In Chapter 5, qualitative insights emphasize that knowledge of fraud can prevent victimization.
Chapter 6 reveals that only 11.8% of fraud incidents are reported to police, with higher monetary loss correlating with increased reporting, though urban victims reported less frequently.
Chapters 7 and 8 focus on phishing, noting that individual cultural values influence susceptibility and highlighting low motivation for employee training programs on phishing awareness.
Chapters 9 and 10 explore behavioral design strategies to deter fraud, including digital signatures and software dark mode, but found no significant effects on honesty.
Finally, Chapter 11 concludes that ongoing research is vital to address the evolving nature of fraud, advocating for knowledge promotion as a primary prevention strategy, while stressing the importance of evaluating interventions and policies to determine their effectiveness.
Chapter 3 presents the results of a Dutch victimization survey, highlighting that 16% of the Dutch population aged 16 and above experienced fraud in 2020, with total losses amounting to €2.75 billion.
Chapter 4 analyses risk factors for fraud, identifying self-control, a lack of fraud knowledge, immigration background, and internet usage as key predictors. In Chapter 5, qualitative insights emphasize that knowledge of fraud can prevent victimization.
Chapter 6 reveals that only 11.8% of fraud incidents are reported to police, with higher monetary loss correlating with increased reporting, though urban victims reported less frequently.
Chapters 7 and 8 focus on phishing, noting that individual cultural values influence susceptibility and highlighting low motivation for employee training programs on phishing awareness.
Chapters 9 and 10 explore behavioral design strategies to deter fraud, including digital signatures and software dark mode, but found no significant effects on honesty.
Finally, Chapter 11 concludes that ongoing research is vital to address the evolving nature of fraud, advocating for knowledge promotion as a primary prevention strategy, while stressing the importance of evaluating interventions and policies to determine their effectiveness.
| Original language | English |
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| Qualification | Doctor of Philosophy |
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| Supervisors/Advisors |
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| Thesis sponsors | |
| Award date | 17 Oct 2024 |
| Place of Publication | Enschede |
| Publisher | |
| Print ISBNs | 978-90-365-6308-6 |
| Electronic ISBNs | 978-90-365-6309-3 |
| DOIs | |
| Publication status | Published - 2024 |