Uncovering vulnerability to fraud and scams among adult victims in online and offline contexts: A systematic review
Dadà, Chiara Barbara ; Colautti, Laura ; Rosi, Alessia ; Cavallini, Elena ; Antonietti, Alessandro ; Iannello, Paola (2025) — Computers in Human Behavior
Type:
Journal Article
AI-Generated Synopsis
This catalog-style synopsis summarizes a systematic review of adult vulnerability to fraud and scams in online and offline contexts, as published in Computers in Human Behavior. The review aggregates empirical work to map how susceptibility to deceptive schemes emerges and operates across real-world settings, considering both digital environments and face-to-face interactions. The scope encompasses a range of scam modalities—from online phishing and social-engineering approaches to offline impostor and purchase-related fraud—within diverse adult populations. The analysis treats vulnerability as a multidimensional construct, highlighting factors such as cognitive processing, risk perception, emotional state, knowledge and skills, trust dynamics, and social or situational pressures. It emphasizes how context, technology use, and the form of fraudulent appeal shape both exposure to schemes and victims’ responses. Methodological framing centers on the systematic synthesis of existing studies, with attention to definitions, measurement approaches, and outcome variables related to victimization. The synthesis organizes findings around domains such as demographic and psychosocial characteristics, digital literacy, routine activities, and situational cues that influence susceptibility. It accounts for a spectrum of outcomes, including detection, disclosure, help-seeking, and coping strategies, and discusses practical implications for education, reporting, and prevention. The review also identifies thematic gaps and directions for future work, including the need for standardized measures of vulnerability, cross-context comparisons between online and offline fraud, and research that informs risk communication and protective design. Overall, the work contributes to understanding how adult victims become targets and how interventions might reduce harm and support resilience in both digital and physical environments.