Uncovering and Surveilling Financial Deception Risk in Aging

发现和监控老龄化过程中的财务欺诈风险

• 批准号: 10645913
• 负责人: Natalie C Ebner
• 金额: $ 1.31万
• 依托单位: UNIVERSITY OF FLORIDA
• 依托单位国家: 美国
• 财政年份: 2018
• 资助国家: 美国
• 起止时间: 2018-09-01 至 2024-06-30
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/10645913
• 关键词: Adopted; Adult; Affective; Age; Age-associated memory impairment; Aging; American; Anterior; Area; Arousal; Basic Science; Behavioral; Brain; Censuses; Cognitive; Collaborations; Competence; Complex; Computers; Cues; Data; Data Analytics; Data Collection; Deception; Decision Making; Detection; Development; Educational Intervention; Elderly; Electronic Mail; Engineering; Epidemic; Foundations; Fraud; Functional disorder; Goals; Health; Health Status; Impairment; Individual; Infrastructure; Insula of Reil; Intervention; Interview; Investigation; Life; Link; Longevity; Machine Learning; Measures; Methodology; Modeling; Monitor; Neurobiology; Neurosciences; Persons; Phase; Physiological; Positioning Attribute; Predisposition; Prevention; Process; Psychology; Psychometrics; Public Health; Quality of life; Research; Research Design; Research Personnel; Rewards; Risk; Risk Assessment; Risk Factors; Risk Reduction; Structure; Thinness; Time; Transact; Validation; age related; aged; aging population; base; brain behavior; computer science; computerized; cost; cyber security; decision-making capacity; digital; experimental study; falls; financial decision making; improved; innovation; interdisciplinary approach; machine learning method; middle age; multidisciplinary; neurophysiology; novel; personalized approach; phishing; prevent; recruit; relating to nervous system; social; social factors; statistical and machine learning; theories; tool

Project Summary. Among older adults, sudden and unexpected financial losses as a result of fraud can have devastating consequences. A rapidly aging population, combined with age-related changes in decision-making processes, means that fraudulent activities targeting older adults is a growing public health problem that requires surveillance, education, and intervention. Motivated by theories of cognitive, socioemotional, and neurobiological aging, this proposal investigates behavioral and neural decision-making mechanisms associated with fraud risk in older adulthood. In a more globally connected and computerized world, older adults may constitute particular at-risk targets for highly effective forms of online financial fraud, such as through social engineering in the form of emails containing malicious links or attachments (phishing). Susceptibility to financial deception in aging has been investigated primarily in the context of age-related cognitive decline, while socioemotional and neurophysiological parameters have been largely understudied. Further, there are few effective approaches to characterize, monitor and detect, and eventually prevent, financial deception. The objectives of the proposed research are threefold: Aim 1 will determine financial deception risk across the adult life span. This aim will seek to confirm that age is associated with greater susceptibility to financial deception, online and in person. Aim 2 will characterize cognitive, socioemotional, and neurophysiological mechanisms associated with deception risk. Specifically, this aim will uncover the extent to which cognitive and socioemotional dysfunction, age-related dampening in neurophysiological reactivity, and structural and functional brain changes contribute to increased susceptibility in aging. Aim 3 involves the development and psychometric validation of a novel risk assessment interview and the development of an automated deception warning tool to alert older adults about potential online fraud. Our research design will span three data collection phases comprising healthy young, middle-aged, young-old, and old-old individuals. Leveraging infrastructure developed in our lab, a behavioral field experiment will determine real-life susceptibility to financial fraud via simulated phishing email attacks (Phase I). A comprehensive in-lab assessment of cognitive/socioemotional and neurophysiological mechanisms will follow (Phase II and III, respectively). A data-analytic Phase IV will integrate data collected across Phases I-III using statistical and machine-learning methods. This multidisciplinary approach, encompassing psychology, neuroscience, computer science, and engineering will lay the foundation for building an integrated approach to risk detection and the provision of financial decision-making supports in older adulthood. Findings and methodologies developed as part of this project have the potential to inform real-life decision-supportive interventions that adopt an age-targeted approach towards the long-term goal of financial risk reduction in older individuals.

项目总结。在老年人中，由于欺诈而导致的突然和意外的经济损失可能会造成严重后果

项目成果

From exploration to exploitation: a shifting mental mode in late life development.

• DOI: 10.1016/j.tics.2021.09.001
• 发表时间: 2021-12
• 期刊: Trends in cognitive sciences
• 影响因子: 19.9
• 作者: Spreng RN;Turner GR
• 通讯作者: Turner GR

Is This Phishing? Older Age Is Associated With Greater Difficulty Discriminating Between Safe and Malicious Emails.

这是网络钓鱼吗？

• DOI: 10.1093/geronb/gbaa228
• 发表时间: 2021
• 期刊: The journals of gerontology. Series B, Psychological sciences and social sciences
• 作者: Grilli,MatthewD;McVeigh,KatelynS;Hakim,ZiadM;Wank,AubreyA;Getz,SarahJ;Levin,BonnieE;Ebner,NatalieC;Wilson,RobertC
• 通讯作者: Wilson,RobertC

Troubled past: A critical psychometric assessment of the self-report Survey of Autobiographical Memory (SAM).

• DOI: 10.3758/s13428-021-01604-7
• 发表时间: 2022-03
• 期刊: Behavior research methods
• 影响因子: 5.4
• 作者: Setton R;Lockrow AW;Turner GR;Spreng RN
• 通讯作者: Spreng RN

The Phishing Email Suspicion Test (PEST) a lab-based task for evaluating the cognitive mechanisms of phishing detection.

• DOI: 10.3758/s13428-020-01495-0
• 发表时间: 2021-06
• 期刊: Behavior research methods
• 影响因子: 5.4
• 作者: Hakim ZM;Ebner NC;Oliveira DS;Getz SJ;Levin BE;Lin T;Lloyd K;Lai VT;Grilli MD;Wilson RC
• 通讯作者: Wilson RC

Empirical Analysis of Weapons of Influence, Life Domains, and Demographic-Targeting in Modern Spam - An Age-Comparative Perspective.

现代垃圾邮件中影响力武器、生活领域和人口目标的实证分析 - 年龄比较视角。

• DOI: 10.1186/s40163-019-0098-8
• 发表时间: 2019
• 期刊: Crime science
• 影响因子: 6.1
• 作者: Oliveira,DanielaSeabra;Lin,Tian;Rocha,Harold;Ellis,Donovan;Dommaraju,Sandeep;Yang,Huizi;Weir,Devon;Marin,Sebastian;Ebner,NatalieC
• 通讯作者: Ebner,NatalieC