Dishonesty, neutralisation and nudging
Mutyavaviri, Takudzwa and van der Schyff, Karl and Renaud, Karen (2024) Dishonesty, neutralisation and nudging. EURO Journal on Decision Processes, 12. 100052. ISSN 2193-9438 (https://doi.org/10.1016/j.ejdp.2024.100052)
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Abstract
E-banking offers clients unparalleled convenience but also exposes them to potential fraud from cyber criminals. Traditionally, banks use technical security measures to ameliorate these kinds of threats. These measures, while essential, are not universally efficacious in preventing fraud. It would be wise to augment technical measures with softer measures such as behavioural interventions (i.e., nudges). In this paper, we report on the effectiveness of behavioural nudges designed to dissuade opportunistic “others” from committing e-banking fraud. Here, we report on an investigation into the impact of the deployment of a number of behavioural nudges in an e-banking customer interface. We evaluated their impact through semi-structured interviews with e-banking customers in the United States of America. We found that nudges which emphasise empathy and heightened awareness of traditional security measures were remarkably effective in dissuading dishonesty. Notably, deployment immediately after login yielded optimal results. Our findings highlight the potential of behavioural nudges to reduce e-banking fraud, thereby augmenting traditional technical countermeasures. We conclude with recommendations for future research.
ORCID iDs
Mutyavaviri, Takudzwa, van der Schyff, Karl and Renaud, Karen ORCID: https://orcid.org/0000-0002-7187-6531;-
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Item type: Article ID code: 90065 Dates: DateEvent16 July 2024Published24 June 2024Published Online24 June 2024AcceptedSubjects: Department: Faculty of Science > Computer and Information Sciences
Faculty of Humanities and Social Sciences (HaSS) > Psychological Sciences and HealthDepositing user: Pure Administrator Date deposited: 26 Jul 2024 14:42 Last modified: 05 Oct 2024 18:01 URI: https://strathprints.strath.ac.uk/id/eprint/90065