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E-grāmata: The Psychology of Fraud, Persuasion and Scam Techniques: Understanding What Makes Us Vulnerable

3.42/5 (12 ratings by Goodreads)
  • Formāts: 172 pages
  • Izdošanas datums: 29-Dec-2020
  • Izdevniecība: Routledge
  • ISBN-13: 9781000333909
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  • Formāts: 172 pages
  • Izdošanas datums: 29-Dec-2020
  • Izdevniecība: Routledge
  • ISBN-13: 9781000333909

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"The Psychology of Fraud, Persuasion and Scam Techniques provides an in-depth explanation of not only why we fall for scams and how fraudsters use technology and other techniques to manipulate others, but also why fraud prevention advice is not always effective. Starting with how fraud victimisation is perceived by society and why fraud is underreported, the book explores the different types of fraud and the human and demographic factors that make us vulnerable. It explains how fraud has become increasingly sophisticated and how fraudsters use communication, deception and theories of rationality, cognition and judgmental heuristics, as well as specific persuasion and scam techniques, to encourage compliance. Covering frauds including romance scams and phishing attacks such as advance fee frauds and so-called miracle cures, the book explores way we can learn to spot scams and persuasive communication, with checklists and advice for reflection and protection. Featuring a set of practical guidelines to reduce fraud vulnerability, advice on how to effectively report fraud and educative case studies and examples, this easy-to-read, instructive book is essential reading for fraud prevention specialists, fraud victims, and academics and students interested in the psychology of fraud"--

The Psychology of Fraud, Persuasion and Scam Techniques provides an in-depth explanation of not only why we fall for scams and how fraudsters use technology and other techniques to manipulate others, but also why fraud prevention advice is not always effective.

Starting with how fraud victimisation is perceived by society and why fraud is underreported, the book explores the different types of fraud and the human and demographic factors that make us vulnerable. It explains how fraud has become increasingly sophisticated and how fraudsters use communication, deception and theories of rationality, cognition and judgmental heuristics, as well as specific persuasion and scam techniques, to encourage compliance. Covering frauds including romance scams and phishing attacks such as advance fee frauds and so-called miracle cures, the book explores ways we can learn to spot scams and persuasive communication, with checklists and advice for reflection and protection.

Featuring a set of practical guidelines to reduce fraud vulnerability, advice on how to effectively report fraud and educative case studies and examples, this easy-to-read, instructive book is essential reading for fraud prevention specialists, fraud victims, and academics and students interested in the psychology of fraud.

Recenzijas

"This book is an engaging study of the modern-day plague of internet, email and personal scams, so often targeted at the most vulnerable in society. Written in accessible style, the book combines the personal and the scientific. Retelling everyday examples, it offers a captivating account of how we fall victim to fraud and theft, and suffer their emotional consequences, as and because we fail to recognise the traps of deception. Dove dissects the evidence, and rooting her account in scientific theory, she urges the reader to learn and prepare to detect the fraud instead of succumbing to it." Dr. Andreas Cebulla, Associate Professor, Flinders University of South Australia

"Dr. Dove has produced a comprehensive but accessible text that summarizes the current social science research on frauds and scams. The chapters progress logically from defining fraud in all its variations, to describing the process by which victims are defrauded, to offering solutions and preventative measures. The case studies she presents are exceptional and provide the reader with real-world examples. As a professor and a public educator, I believe this book could be used in a classroom, by working professionals, and citizens who wish to protect themselves from frauds and scams." Dr. Roderick Graham, Associate Professor of Sociology and Criminal Justice, Old Dominion University

"An exceptional piece of work that unpacks what it is to be a victim, an observer and even a perpetrator of different types of fraud. What Dr. Dove has managed to do here is remarkable, giving astute academic analysis alongside practical advice, examples and explanations in a definitive resource on both the art and science of the scam." Jenny Radcliffe, Director, Human Factor Security

"A fabulously interesting read. Dr Martina Dove provides a window into the methods of criminals whilst giving a valuable insight into how criminals use our emotional responses to defraud. This is a book for all, fraud prevention professionals, academics and the public. This book could assist in stopping you and those around you from becoming a victim to this despicable crime." Tony Murray, Former National Economic Crime and Fraud Protect Officer for National lead force, City of London Police "This book is an engaging study of the modern-day plague of internet, email and personal scams, so often targeted at the most vulnerable in society. Written in anaccessible style, the book combines the personal and the scientific. Retelling everyday examples, it offers a captivating account of how we fall victim to fraud and theft, and suffer their emotional consequences because we fail to recognise the traps of deception. Dove dissects the evidence, and rooting her account in scientific theory, she urges the reader to learn and prepare to detect the fraud instead of succumbing to it." Dr Andreas Cebulla, Associate Professor, Flinders University of South Australia

"Dr Dove has produced a comprehensive but accessible text that summarizes the current social science research on frauds and scams. The chapters progress logically from defining fraud in all its variations, to describing the process by which victims are defrauded, to offering solutions and preventative measures. The case studies she presents are exceptional and provide the reader with real-world examples. As a professor and a public educator, I believe this book could be used in a classroom, by working professionals, and citizens who wish to protect themselves from frauds and scams." Dr Roderick Graham, Associate Professor of Sociology and Criminal Justice, Old Dominion University

"An exceptional piece of work that unpacks what it is to be a victim, an observer and even a perpetrator of different types of fraud. What Dr Dove has managed to do here is remarkable, giving astute academic analysis alongside practical advice, examples and explanations in a definitive resource on both the art and science of the scam." Jenny Radcliffe, Director, Human Factor Security

"A fabulously interesting read. Dr Martina Dove provides a window into the methods of criminals whilst giving a valuable insight into how criminals use our emotional responses to defraud. This is a book for all, fraud prevention professionals, academics and the public. This book could assist in stopping you and those around you from becoming a victim to this despicable crime." Tony Murray, Former National Economic Crime and Fraud Protect Officer for National Lead Force, City of London Police

List of figures
xii
Foreword xiii
Acknowledgements xv
1 Introduction
1(4)
My scam experience
1(1)
Anatomy of the scam experience
2(1)
Contents
3(2)
2 What is fraud and who are the fraudsters?
5(11)
What is fraud?
5(1)
When is fraud a fraud?
6(2)
Who are the fraudsters?
8(3)
Fraud taxonomy
11(2)
Fraud reporting and sanctions
13(1)
Fraud victimisation from the victim's perspective
14(2)
3 Different types of frauds and scams
16(13)
Nigerian or advance fee frauds
16(2)
Identity and synthetic fraud
18(1)
Romance scams
19(1)
Phishing and other social engineering attacks
20(1)
Psychic or clairvoyant scams and cold readings
21(1)
Miracle cures
21(1)
Charity scams and crowdfunding campaigns
22(1)
Lotteries, prize draws, sweepstakes and giveaways
23(1)
Investment or business opportunities and job scams
23(1)
Sextortion and extortion scams
24(2)
Mortgage fraud
26(1)
Food fraud
27(1)
Further reading
28(1)
4 Deception and communication
29(14)
The process of communication
29(4)
Deceptive communication
33(2)
View of deception through cultural and societal conventions
35(1)
Detecting deception
36(2)
How fraudsters deceive
38(2)
Deception and its role in fraud victimisation
40(2)
Further reading
42(1)
5 How we think and make decisions and why this matters in fraud situations
43(12)
System 1 and System 2
43(2)
Elaboration Likelihood Model (ELM) of persuasion
45(1)
Decision-making styles
46(1)
Cognitive biases
47(6)
Further reading
53(2)
6 Persuasion and scamming techniques
55(12)
Evoking visceral influence
55(1)
Liking and similarity
56(1)
Credibility and legitimacy
57(1)
Evoking social norms
58(1)
Authority
58(1)
Commitment and consistency
59(1)
Scarcity and urgency
59(2)
Social proof and social influence
61(1)
Dishonesty and distraction
61(1)
Priming
62(2)
Alter casting
64(1)
Grooming
65(1)
Further reading
66(1)
7 Human factors in fraud
67(15)
Impulsivity and self-control
68(1)
Compliance and obedience to authority
69(1)
Risk assessment and sensation seeking
70(1)
Flattery and intimidation
71(1)
Information processing and need for cognition
71(1)
Trust and gullibility
72(2)
Vigilance, delayed decisions, scam awareness and background knowledge
74(2)
Demographics and circumstances
76(2)
Behaviours and beliefs
78(1)
Human factors and information security
79(2)
Further reading
81(1)
8 Theories and models that could explain why we fall victim to fraud and scams
82(9)
Errors in judgment
82(1)
The Model of Scumming Vulnerability
83(1)
Models of Gullible and Foolish Action
84(1)
Phishing susceptibility framework
85(2)
Suspicion, Cognition and Automacity Model of phishing susceptibility
87(1)
The Model of Fraud Susceptibility
88(3)
9 Learning to spot scams, fraud and persuasive communication
91(29)
Scam situations and factors that contribute to compliance
91(14)
Spotting scam techniques in phishing correspondence
105(15)
10 SCAMS checklist: advice for reflection and protection
120(12)
Scrutinise the correspondence
121(3)
Consider scam techniques
124(1)
Assess emotional state
125(2)
Moderate the response
127(2)
Share your experience with others
129(3)
References 132(19)
Index 151
Martina Dove is a researcher with a fervent passion for fraud prevention, specialising in fraud vulnerability, individual characteristics that make people vulnerable to fraud and scam techniques used by fraudsters.