34 research outputs found
Scams in the Time of COVID-19:
No full textIn this chapter we examine some of the main approaches used by scammers and the possible consequences. We (the authors) were working on this book volume when the COVID-19 pandemic broke out and were witness to the pandemic of scams, cons, and fraud that came along with it. The Federal Trade Commission (FTC) received more than 18,000 coronavirus complaints between January 2020 and April 15, 2020 (Carrns, 2020), and Google reported an unprecedented number of scam emails, having to block over 18 million a day. In the UK, likewise, a wide range of scams have circulated trying to lure individuals via emails, false websites, phone calls, and many other techniques, leading most news outlets to raise alarm and inform the wider public. During periods of social isolation, feelings of loneliness increase and people are turning to social media and online platforms to fulfil their social needs (Le Couteur et al., 2020) as well as perform activities of daily life (e.g., banking, submission of medical forms etc.). These shifting behaviors—from face-to-face to online banking and shopping—, coupled with increased calls for donation and governmental provision of funds and tax rebates, have all created a fertile ground for scammers to take advantage of people and organizations. This was even further exacerbated by the increasing sense of confusion and uncertainty. Understanding how scammers work and lure potential victims is the first step to reducing the rate of scams and fraud under such conditions. The goal of this chapter is to play witness to this phenomenon, discuss tactics, psychological factors, and contextual factors that may be activated during times of extreme uncertainty that benefit scammers, document trends in scams that have been occurring during the COVID-19 pandemic, and also review the rapidly emerging literature produced during this time.</p
Consumers’ response to mass market scam solicitations: profiling scams and responses
No full textMass marketing scams (MMSs) impact millions of people with financial losses in the billions. Understanding what types of MMSs work is key to reducing the compliance rate. Inspired by Simon’s work, we designed an experiment to examine how four different types of MMSs impact interest in and intention to respond to solicitations. We first conducted a cluster analysis on 215 actual MMS solicitations. The analysis revealed four distinct types of solicitations: negative-cold, one-reward letters, high emotionality, high scarcity letters where the prize is mentioned often, very colorful multi-prize letters, and low emotionality, low scarcity cold letters. In a second experiment, 281 participants (recruited on MTurk) were randomly assigned to read one of the four types of solicitations. Our data revealed differences in intention to respond by sending money. Furthermore, younger (vs. older) individuals indicated a higher interest in the solicitation and higher intention to send in money and rated the solicitations as significantly more beneficial and less risky. Finally, perceptions of risks and benefits were the main driving force behind compliance beyond interest and intention to comply. In line with Simon’s ideas, our study highlights the need to examine both the environment (the types of solicitations) and the decision-maker
Susceptibility to COVID-19 Scams: The Roles of Age, Individual Difference Measures, and Scam-Related Perceptions
No full textAs the COVID-19 pandemic was unfolding, a surge in scams was registered across the globe. While COVID-19 poses higher health risks for older adults, it is unknown whether older adults are also facing higher financial risks as a result of COVID-19 scams. Here, we examined age differences in vulnerability to COVID-19 scams and individual difference measures (such as impulsivity, ad skepticism, and past experiences with fraud) that might help explain them. A lifespan sample (M = 48.03, SD = 18.56) of sixty-eight younger (18–40 years, M = 25.67, SD = 5.93), 79 middle-aged (41–64 years, M = 49.86, SD = 7.20), and 63 older adults (65–84 years, M = 69.87, SD = 4.50) recruited through Prolific completed questions and questionnaires online. In a within-subjects design, each participant responded to five COVID-19 solicitations, psychological measures, and demographic questions. Age group comparisons revealedthat older adults were marginally less likely to perceive COVID-19 solicitations as genuine than middle-aged adults were. In addition, older adults perceived significantly fewer benefits than both younger and middle-aged adults did and perceived marginally higher risks than younger adults did. Hence, older adults did not exhibit greater vulnerability to COVID-19 scams. Regardless of age, intentions to respond to COVID-19 solicitations were positively predicted by higher levels of educational attainment, being married, past fraud victimization, and higher levels of positive urgency. As expected, stronger genuineness and benefit perceptions positively predicted action intentions, whereas stronger risk perceptions negatively predicted action intentions As such, COVID-19 scam susceptibility appears to be the result of a impulse control issue that is not easilyinhibited, not even by past experiences of scam victimization
Making Peace in an Age of War: Emperor Ferdinand III (1608–1657)
No full textThis English-language translation of Mark Hengerer\u27s Kaiser Ferdinand III: 1608–1657 Eine Biographie is based on an analysis of the weekly reports sent by the papal nuncio’s office to the Vatican. These reports give detailed information about the daily whereabouts of the dynasty, courtiers, and foreign visitors, and they contain the gossip of the court in addition to weekly analysis of some political problems. This material enabled the author to report on daily life of the dynasty and to analyze the circumstances under which policy was made, which has led to a balance between the personality of Ferdinand III and the problems with which he dealt. In this biography, Hengerer provides answers to the question: Why did it take the emperor more than ten years to end a devastating war, the traumatizing effects of which on central Europe lasted into the twentieth century, particularly since there was no hope of victory against his foreign adversaries from the very moment he came into power?https://docs.lib.purdue.edu/purduepress_previews/1040/thumbnail.jp
Making Peace in an Age of War
No full textThis English-language translation of Mark Hengerer's Kaiser Ferdinand III: 1608–1657 Eine Biographie is based on an analysis of the weekly reports sent by the papal nuncio’s office to the Vatican. These reports give detailed information about the daily whereabouts of the dynasty, courtiers, and foreign visitors, and they contain the gossip of the court in addition to weekly analysis of some political problems. This material enabled the author to report on daily life of the dynasty and to analyze the circumstances under which policy was made, which has led to a balance between the personality of Ferdinand III and the problems with which he dealt. In this biography, Hengerer provides answers to the question: Why did it take the emperor more than ten years to end a devastating war, the traumatizing effects of which on central Europe lasted into the twentieth century, particularly since there was no hope of victory against his foreign adversaries from the very moment he came into power
Making Peace in an Age of War
No full textThis English-language translation of Mark Hengerer's Kaiser Ferdinand III: 1608–1657 Eine Biographie is based on an analysis of the weekly reports sent by the papal nuncio’s office to the Vatican. These reports give detailed information about the daily whereabouts of the dynasty, courtiers, and foreign visitors, and they contain the gossip of the court in addition to weekly analysis of some political problems. This material enabled the author to report on daily life of the dynasty and to analyze the circumstances under which policy was made, which has led to a balance between the personality of Ferdinand III and the problems with which he dealt. In this biography, Hengerer provides answers to the question: Why did it take the emperor more than ten years to end a devastating war, the traumatizing effects of which on central Europe lasted into the twentieth century, particularly since there was no hope of victory against his foreign adversaries from the very moment he came into power
Why comply?: risk and efficacy perceptions drive compliance in mass marketing scams
No full textUsing a mix-method design, we examined participants’ willingness to respond to mass marketing scams (MMS). In Experiment 1, we examined the effect of age (young versus older) and letter style (“hot” versus “cold”) on the intention to respond. The intention of responding was negatively associated with risk (p <.001) and having at least a high school education was positively associated with perception of benefits (b =.684, p <.001). In Experiment 2, we examined reward sensitivity on the intention to respond by manipulating reward amounts (low versus high) and the presence of an activation fee. The presence of an activation fee decreased intent to contact, but percentages remained high (25.75%). Analyses of qualitative data indicated that risk and benefit were both predicted by perceived self-efficacy. The results indicate that consumers’ beliefs about their ability to control the outcomes of future interactions affected how they behaved when provided with MMS materials.</p
Differential sialylation of serpin A1 in the early diagnosis of Parkinson's disease dementia.
No full textThe prevalence of Parkinson's disease (PD) increases with age. Up to 50% of PD show cognitive decline in terms of a mild cognitive impairment already in early stages that predict the development of dementia, which can occur in up to 80% of PD patients over the long term, called Parkinson's disease dementia (PDD). So far, diagnosis of PD/PDD is made according to clinical and neuropsychological examinations while laboratory data is only used for exclusion of other diseases. The aim of this study was the identification of possible biomarkers in cerebrospinal fluid (CSF) of PD, PDD and controls (CON) which predict the development of dementia in PD. For this, a proteomic approach optimized for CSF was performed using 18 clinically well characterized patients in a first step with subsequent validation using 84 patients. Here, we detected differentially sialylated isoforms of Serpin A1 as marker for differentiation of PD versus PDD in CSF. Performing 2D-immunoblots, all PDD patients could be identified correctly (sensitivity 100%). Ten out of 24 PD patients showed Serpin A1 isoforms in a similar pattern like PDD, indicating a specificity of 58% for the test-procedure. In control samples, no additional isoform was detected. On the basis of these results, we conclude that differentially sialylated products of Serpin A1 are an interesting biomarker to indicate the development of a dementia during the course of PD
JOL&RCJ
No full textThis is a repository for the the JOL & RCJ study hosted on Prolific. If you would like to review or keep a copy of the consent form, you can view it in the "Files" section below
