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The wisdom of the scammed: redefining older fraud victim support by utilizing the ecological systems framework

Katalin Parti ; Faika Tahir ; Pamela B. Teaster (2025) — Security Journal

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Synopsis

The article examines cyber fraud against older adults through the Bioecological Systems Framework, arguing that victimization emerges from interactions across personal, relational, community, and societal contexts. Based on semi-structured interviews with 19 scam victims aged 60 and above, the study situates individual experiences within microsystem, mesosystem, exosystem, macrosystem, and chronosystem dynamics to identify why even highly educated, computer-literate older adults can be targeted by sophisticated online schemes. The authors note that older victims often reported high levels of education and digital skills, yet faced serious financial and emotional harm, underscoring the evolving sophistication of scammers and the limits of technical proficiency as a sole defense. Key findings identify two core microsystem vulnerabilities: aloneness and overtrust. Isolation and a desire for companionship can increase susceptibility, while strong family ties and timely, personalized support help victims recognize red flags and resolve incidents with less financial impact. The chronosystem highlights generational differences in trust toward phones and online interfaces, with older adults more likely to rely on traditional communications and thus vulnerable to phone-based and impersonation scams. Mesosystem and macro-level factors reveal that reporting pathways are often opaque, awareness campaigns can be jargon-laden, and stigma or self-blame hinders disclosure. Policy implications advocate a victim-centered, multi-layered response that engages older adults, families, service providers, financial institutions, and law enforcement within a coordinated ecosystem. The authors call for participatory, community-based interventions aligned with BESF, emphasizing direct involvement of those affected and a shift away from blaming individuals toward systemic prevention and support. The study notes limitations including a Virginia-only sample and exploratory, non-generalizable aims.

Identified Gaps

The paper identifies limited direct research with older scam victims, particularly because of underreporting, reluctance to share experiences, and inaccessibility. It states that no prior research had applied the Bioecological Systems Framework to scams against older adults by strangers, and that prior work emphasized personal or microsystem factors more than meso-, macro-, and chronosystem influences.

Methods

Exploratory qualitative research used interpretive phenomenological analysis and semi-structured interviews with 19 scam victims aged 60 or older in Virginia. Participants were recruited through an AARP survey, senior facilities, local outreach, and snowball referrals. Recorded interviews were transcribed, line-by-line coded in Atlas.ti, and thematically analyzed using Braun and Clarke's stepwise method; multiple team members coded and discussed themes.

Limitations

The study is limited to victims living in Virginia and does not examine racial, gender, or socioeconomic differences beyond age and scam victimization. Its small exploratory sample may produce response bias and is not generalizable. Recruitment also excluded people without internet access at the interview period, limiting participation by socioeconomically disadvantaged older adults.

Future Work

Recruit less-heard older scam victims, including people with socioeconomic disadvantages and those without internet access. Conduct follow-up studies with larger, more representative samples to test whether the exploratory patterns generalize. Use participatory action research involving directly and indirectly affected people to identify needs and shape programs.

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