在数字交易中,什么驱动或阻止欺诈安全行为? 这是一个BRT视角
Lokendra Puri1, Abhishek Kumar2, Ranjit Singh1
1Department of Management Studies, Indian Institute of Information Technology Allahabad, Prayagraj, India.
Acta psychologica
|October 3, 2025
概括
用户 用户 用户 用户
科学领域:
- 行为经济学是一种行为经济学.
- 网络安全 网络安全
- 数字金融是数字金融.
背景情况:
- 数字金融欺诈 (DFF) 对数字支付系统的用户构成重大威胁.
- 了解用户行为对于开发有效的预防策略至关重要.
研究的目的:
- 确定影响用户对DFF的预防行为的主要决定因素.
- 根据行为推理理论 (BRT) 探索影响行为意图的推动者和障碍物,以预防DFF.
主要方法:
- 通过结构化问卷收集的数据.
- 使用结构方程建模和神经网络技术进行双阶段分析.
主要成果:
- 信念,信任,自我效能和享乐动机积极影响DFF预防意图.
- 行为意图是预防行为的最强有力的预测因素,其次是快乐的动机和自我效能.
- 技术意识和感知到的风险障碍显示出有限的积极影响.
结论:
- 金融机构应实施教育宣传,警报和分层验证.
- 将行为动机与以用户为中心的安全设计相结合,对于降低DFF易受攻击性至关重要.
- 加强用户保护和公众参与数字金融安全至关重要.
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