Perceived risk of internet theft victimization

Examining the effects of social vulnerability and financial impulsivity

Michael D. Reisig, Travis C. Pratt, Kristy Holtfreter

Research output: Contribution to journalArticle

69 Citations (Scopus)

Abstract

This study examines the antecedents of online consumers' estimates of the risk of credit card theft victimization and whether risk perceptions are empirically linked to online lifestyles. Using telephone survey data from a sample of adult Internet users in the state of Florida (N = 573), the regression analysis shows that socially vulnerable (e.g., lower socioeconomic status consumers) and financially impulsive respondents perceive higher levels of risk when using their credit card online. Results from the negative binomial models show that consumers with higher risk scores spend significantly less time on the Internet and make fewer purchases from Web sites, yet financially impulsive respondents fail to engage in such risk-reduction strategies. Overall, these findings suggest that key features of Ferraro's risk interpretation model generalize to the online victimization context.

Original languageEnglish (US)
Pages (from-to)369-384
Number of pages16
JournalCriminal Justice and Behavior
Volume36
Issue number4
DOIs
StatePublished - Apr 2009

Fingerprint

Theft
Crime Victims
Impulsive Behavior
larceny
victimization
Internet
vulnerability
credit
Statistical Models
Risk Reduction Behavior
Telephone
Social Class
Life Style
telephone
Regression Analysis
purchase
social status
regression analysis
interpretation
Surveys and Questionnaires

Keywords

  • Credit card theft
  • Fear of crime
  • Impulsivity
  • Internet crime
  • Self-control
  • Victimization risk

ASJC Scopus subject areas

  • Pathology and Forensic Medicine
  • Psychology(all)
  • Law

Cite this

Perceived risk of internet theft victimization : Examining the effects of social vulnerability and financial impulsivity. / Reisig, Michael D.; Pratt, Travis C.; Holtfreter, Kristy.

In: Criminal Justice and Behavior, Vol. 36, No. 4, 04.2009, p. 369-384.

Research output: Contribution to journalArticle

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