Digital Commons Network^™

The Effects Of Bilingualism And Trust On Digital Scam Susceptibility, Grace M. Casanova

Honors Undergraduate Theses

Trust is an essential component of social relationships and is connected to how we make informed decisions. Humans tend to use mental shortcuts to arrive to decisions, a strategy which may be exploited by scammers. As online scams have become more common, it is critical to understand factors that can influence appraisal of potentially untrustworthy sources. The present study focused on language, in the form of self-reported bilingualism, and its relation to scam susceptibility. Language is a factor that contributes to alterations in brain structure, cognitive performance, and cognitive control systems. Bilinguals show advantages in the form of increased synaptic …

Financial Literacy In The Era Of Artificial Intelligence. Towards Financial Inclusion. Opening Remarks, Łukasz Kurowski, Anna Szelągowska

Journal of Banking and Financial Economics

Financial Literacy in the Era of Artificial Intelligence. Towards Financial Inclusion. Opening Remarks

Entire Volume Journal Of Banking And Financial Economics 2024, 1(21)

Journal of Banking and Financial Economics

Entire Volume Journal of Banking and Financial Economics 2024, 1(21)

Rule Violation And Time-To-Enforcement In Weak Institutional Environments: A Good Faith Perspective, Jun Xia, Yusi Jiang, Heli Wang, Yuan Li

Research Collection Lee Kong Chian School Of Business

Previous studies on corporate misconduct have focused mainly on preventing misconduct or remedying it after detection, but it remains unclear how misconduct can be effectively detected in the first place once it occurs. We apply the good faith perspective in the context of China, which represents a weak institutional environment, and argue that the ability of culpable leaders to conceal information may delay misconduct disclosure because such ability helps maintain the good faith of regulators. Moreover, we argue that because the regulators have faith in professionals (external auditors, institutional investors, and securities analysts) whose skills are in fact often underdeveloped …

Advance Fee Fraud On The Increase: The Shield Of Support Over The Victims, Ovenseri Ven Ogbebor

Doctoral Dissertations and Projects

This research study addresses the activities of Advance Fee Fraudsters whose activities sometimes impact the status and life of their victims. Research to date appears to have focused on crime, Advance Fee Fraud, and its techniques. The intent of this study is to take the reader through the various types of Advance Fee Fraud (AFF) with special attention to how the victims may get help, an aspect of AFF that has been greatly neglected by previous researchers who mainly focus on the techniques and modus operandi of the fraudsters. Until recently, the concept of AFF was limitedly known, but with …

Victimization By Deepfake In The Metaverse: Building A Practical Management Framework, Julia Stavola, Kyung-Shick Choi

International Journal of Cybersecurity Intelligence & Cybercrime

Deepfake is digitally altered media aimed to deceive online users for political favor, monetary gain, extortion, and more. Deepfakes are the prevalent issues of impersonation, privacy, and fake news that cause substantial damage to individuals, groups, and organizations. The metaverse is an emerging 3-dimensional virtual platform led by AI and blockchain technology where users freely interact with each other. The purpose of this study is to identify the use of illicit deep fakes which can potentially contribute to cybercrime victimization in the metaverse. The data will be derived from expert interviews (n=8) and online open sources to design a framework …

The Impact Of Sars-Cov-2 On The Consolidated Meatpacking System In The United States, Judith R. Solomon

Anthós

The Sars-Cov-2 virus has had a particularly intense impact on the meatpacking industry in the United States. In this paper I provide a brief introduction to the social, economic, and political realities that lead to mass deaths of meatpacking workers from COVID, and the impact of a consolidated meatpacking system on disease mitigation. These workers are considered expendable due to a lack of power.

Ai Approaches To Understand Human Deceptions, Perceptions, And Perspectives In Social Media, Chih-Yuan Li

Dissertations

Social media platforms have created virtual space for sharing user generated information, connecting, and interacting among users. However, there are research and societal challenges: 1) The users are generating and sharing the disinformation 2) It is difficult to understand citizens' perceptions or opinions expressed on wide variety of topics; and 3) There are overloaded information and echo chamber problems without overall understanding of the different perspectives taken by different people or groups.

This dissertation addresses these three research challenges with advanced AI and Machine Learning approaches. To address the fake news, as deceptions on the facts, this dissertation presents Machine …

Family Wealth Advisory Services In China – What Kind Of Advisors Can Be More Competent And Successful?, Yang Shen

Dissertations and Theses Collection (Open Access)

High net worth wealth owners generally need various advisory services to meet their wealth management needs, such as investment / global asset allocation, intergenerational succession planning, personal and family tax planning, next-generation education, health management, immigration arrangement for family members, etc.

At the current stage, this paper tries to answer below central research questions for Chinese wealth advisors:

1. From the Perspective of high-net-worth individuals (HNWI) in China, what characteristics should their wealth advisors bear to be considered competent?
2. Which key competency factors are mostly important in making the wealth advisor successful (reflected through performance rating of wealth advisors)?

The research …

Privacy And Security Information Awareness And Disclosure Of Private Information By Users Of Online Social Media In The Ibadan Metropolis, Nigeria, Funmilola Olubunmi Omotayo, Joy Oluwabukola Olayiwola

The African Journal of Information Systems

The purpose of this paper is to investigate information privacy and security awareness among online social media (OSM) users in the Ibadan metropolis, Nigeria. Building upon the social exchange theory, some factors that could influence the disclosure of private information on social media were identified. Findings from the analysis of data of 255 respondents revealed that most were aware of information privacy and security measures available on OSM, and the risks associated with the disclosure of private information on OSM. Privacy and security awareness, the perception of benefits associated with the use of OSM, the perception of risks associated with …

"The Call Is Coming From Inside The House": Tracing Experiences In The Institutionally-Centered Process Of Establishing Limited Conservatorships In California, Barbara Alison Imle

Dissertations and Theses

In this institutional ethnography, multiple methods are used to explore California’s process of establishing limited conservatorships, which are legal proceedings that limit or terminate civil rights of people with Intellectual and Developmental Disabilities (IDD). This research uses observations of 93 conservatorship hearings, 16 interviews with people involved in the conservatorship process, and an analysis of over 40 documents related to these legal proceedings. These data are used to answer two questions: 1) what is the process of establishing a limited conservatorship in California; and 2) how is this process experienced by those involved?

Findings break down a complex process and …

A Machine Learning Approach To Deepfake Detection, Delaney Conrad

All Undergraduate Theses and Capstone Projects

The ability to manipulate videos has been around for decades but a process that once would take time, money, and professionals, can now be created by anyone due to the rapid advancement of deepfake technology. Deepfakes use deep learning artificial intelligence to make fake digital content, typically in the form of swapping a person’s face in a video or image. This technology could easily threaten and manipulate individuals, corporations, and political organizations, so it is essential to find methods for detecting deepfakes. As the technology for creating deepfakes continues to improve, these manipulated videos are becoming increasingly undetectable. It is …

Discovering Crime And Justice Data On Government Websites, Ariana Baker, Allison Faix

Library Faculty Publications

This chapter will outline different federal agencies that collect and distribute data related to crime and justice. It will offer some strategies for finding, navigating, and getting the most out of that data.

The Impact Of Financial Literacy On Financial Capability: Evidence Based On The National Financial Capability Study, Ramon Müller

Master's Theses and Doctoral Dissertations

This research examines the relationship between financial literacy and financial capability using cross-sectional data of the United States population from five different triennial surveys. Financial literacy is measured in terms of financial education attendance, and financial capability is measured in terms of how well people make ends meet in a typical month. Regression analysis was performed using probit models to determine the likelihood of financial difficulty in relation to financial education and other demographic characteristics. Results confirmed that individuals who had financial education were 5% less likely to suffer financially The results also demonstrated that when financial practices commonly taught …

Securing Digital Collections: Cyber Security Best Practices For Academic Libraries In Developing Countries, Ayooluwa Aregbesola, Ekene Lawrence Nwaolise

Library Philosophy and Practice (e-journal)

In today's digital era, there have been an ever increase in academic libraries embracing digital collections to provide access to a wealth of information to their users. However, the demerit of this digitization brings about the need to ensure the security of these valuable digital collections, especially in developing countries where cyber threats are rampant. This paper aims to address the challenges faced by academic libraries in developing countries with regards to best cybersecurity practices for securing digital collections. The paper also highlights the long-term benefits of prioritizing cyber security in academic libraries. Besides protecting valuable digital collections, robust cyber …

Creating Data From Unstructured Text With Context Rule Assisted Machine Learning (Craml), Stephen Meisenbacher, Peter Norlander

School of Business: Faculty Publications and Other Works

Popular approaches to building data from unstructured text come with limitations, such as scalability, interpretability, replicability, and real-world applicability. These can be overcome with Context Rule Assisted Machine Learning (CRAML), a method and no-code suite of software tools that builds structured, labeled datasets which are accurate and reproducible. CRAML enables domain experts to access uncommon constructs within a document corpus in a low-resource, transparent, and flexible manner. CRAML produces document-level datasets for quantitative research and makes qualitative classification schemes scalable over large volumes of text. We demonstrate that the method is useful for bibliographic analysis, transparent analysis of proprietary data, …

Post Pandemic Cyberbiosecurity Threats From Terrorist Groups, Haley D. Dodge

Master's Theses

The research in this thesis explored the research question: Are United States (US) health systems accessible to cyber-bio terrorist attacks post-pandemic, within the context of the emerging discipline of cyberbiosecurity? Key findings of the analysis demonstrated how US health systems are more accessible to cyber-bio terrorist attacks specifically from cyber hacking groups based on the increasing sophistication of their cyber capabilities and the lack of cyber protection for biological systems. The concept of cyberbiosecurity was first introduced in 2018 by researchers exploring the converging threat landscape of the cyber and biology domains. As biology is growing more dependent upon vulnerable …

Impact Of Technology On Financial Services, Usoro Usoro

Economic and Financial Review

This paper reviews seven emerging technologies that are shaping the future of financial services across the globe, their impact on financial services, and the implication for regulation. The seven technologies are: Mobile Connectivity; Artificial Intelligence; Decentralised Ledger; Open Source; Hyper Automation; Cloud Computing; and No Code Development Platforms.

“Elder Scam” Risk Profiles: Individual And Situational Factors Of Younger And Older Age Groups’ Fraud Victimization, Katalin Parti

International Journal of Cybersecurity Intelligence & Cybercrime

In an attempt to understand how differently fraud works depending on a victim’s age, we have examined the effects of situational (lifestyle-routine activities), self-control, and sociodemographic variables on scam victimization across age groups. The analysis was carried out on a national sample of 2,558 Americans, representative by age, sex, and race, and includes additional factors such as their education, living arrangement, employment, and propensity for reporting a crime or asking for help. The results substantiate research findings of the contribution of self-control and LRAT in predicting victimization in general but could not identify major situational and individual differences between older …

Deceptive Appeals And Cognitive Influences Used In Fraudulent Scheme Sales Pitches, Rafael J. Toledo

USF Tampa Graduate Theses and Dissertations

Fraud schemes exploit the complex interplay that results from utilizing deceptive appeals to activate underlying cognitive influences. This study was designed, first, to identify the deceptive appeals present in the messaging of fraudulent schemes and, second, to identify the underlying cognitive influences being exploited by the deceptive appeals utilized. Findings reveal that effectively used deceptive appeals work to keep viewers’ mental processes in a state of cognitive ease. This state allows cognitive influences--such as heuristics, cognitive biases, and the System 1 mind--to remain in control of mental processing; however, System 1 is prone to accept deceptive beliefs. The results of …

Sexual Misconduct: Policies To Improve Institutional Accountability And Reduce Individual Burdens, Meeyoung Lamothe, Megan Lepere-Schloop, Sungdae Lim, Jungwon Yeo, Erynn Elizabeth Beaton, Ralph Brower, Sung Ju Kim, Misun Lee, Eunsil Yoo

Faculty and Student Publications

No abstract provided.

Dynamics Of Dark Web Financial Marketplaces: An Exploratory Study Of Underground Fraud And Scam Business, Bo Ra Jung, Kyung-Shick Choi, Claire Seungeun Lee

International Journal of Cybersecurity Intelligence & Cybercrime

The number of Dark Web financial marketplaces where Dark Web users and sellers actively trade illegal goods and services anonymously has been growing exponentially in recent years. The Dark Web has expanded illegal activities via selling various illicit products, from hacked credit cards to stolen crypto accounts. This study aims to delineate the characteristics of the Dark Web financial market and its scams. Data were derived from leading Dark Web financial websites, including Hidden Wiki, Onion List, and Dark Web Wiki, using Dark Web search engines. The study combines statistical analysis with thematic analysis of Dark Web content. Offering promotions …

Does The Financial Experience Of Sec Regional Directors Impact Sec Investigations Into Reporting Entities?, James Justin Blann

Graduate Theses and Dissertations

The SEC’s Division of Enforcement is frequently criticized for its lack of oversight effectiveness, and certain vocal critics attribute this to a lack of financial experience within the SEC. Using hand-collected data on SEC regional directors, I find that the majority of these SEC officials lack financial experience. I then examine whether the financial experience of SEC regional directors impacts SEC investigations into reporting entities. Consistent with financial experience equipping directors to better process complex financial transactions and reports, I find that directors with financial experience open public company investigations 29 percent more often and conduct these investigations 34 percent …

Unpacking Misinfodemic During A Global Health Crisis: A Qualitative Inquiry Of Psychosocial Characteristics In Social Media Interactions, Sofia M Olivares, Sahiti Myneni

Faculty, Staff and Student Publications

The pervasiveness of health information in social media has led to a modern misinformation crisis, also known as a misinfodemic. Misinfodemics have upended public health activities as clearly evident during the COVID-19 pandemic. The objective of this study is to characterize social media content and information sources using theory-driven health behavior and psychology constructs to better understand the motifs of misinformation and their role in the dissemination of health (mis)information in Twitter posts. We analyzed 1,400 randomly selected tweets related to COVID-19 to ascertain four important variables, what is the tweet about (content), how is it structured (linguistic features), who …

The Correlations Of Financial Exploitation On Senior Adults Over 65, Carmen Price

Electronic Theses and Dissertations

With the increase in people over the age of 65, the need for education about elder abuse and intervention in confirmed cases has become a priority for service providers, including social workers. The purpose of this study is to bring awareness to the different circumstances attributing to a senior adult over the age of 65 becoming a victim of elder abuse or financial exploitation. This exploratory descriptive study gathered data from the Texas Department of Family and Protective Services Open Data Portal and the 2020 U.S. Census Bureau. Various analyses were conducted to determine what may cause someone to be …

Review Of Normalized Financial Wrongdoing: How Re-Regulating Markets Created Risks And Fostered Inequality, Michael A. Mccarthy

Social and Cultural Sciences Faculty Research and Publications

No abstract provided.

Encounters Between The Elderly And Law Enforcement

Contemporary Southern Psychology

The elderly population is growing dramatically throughout the world. Out of this growth comes an increase in the number of encounters between the aged and law enforcement. These encounters occur because of a variety of factors including mental illnesses and addictions. Furthermore, older adults may be victims as evidenced in different forms of abuse such as physical, emotional, or financial abuse. Sadly, some documentation exists that older adults are committing more crimes. Multiple reasons have been postulated for these crimes including poverty, jealousy, and boredom. All of these different situations with the aged have created an increase in the number …

Strategies For Improving The Effectiveness Of Internal Control Processes In Nonprofit Organizations, Annie Selorm Dumoga

Walden Dissertations and Doctoral Studies

Some leaders of nonprofit organizations (NPOs) lack financial strategies to develop and implement effective internal controls for their financial health and the continuation of their organizations’ provision of humanitarian services. The failure of leaders in NPOs to implement adequate internal controls results in insolvency, the inability to pay off debts, and threatens the ability to provide needed social services. Grounded in the Committee of Sponsoring Organization's internal control integrated framework, the purpose of this qualitative multiple case study was to explore strategies NPO leaders used to develop and implement effective internal controls for their organization's financial health and ability to …

Deepfakes, Shallowfakes, And The Need For A Private Right Of Action, Eric Kocsis

Dickinson Law Review (2017-Present)

For nearly as long as there have been photographs and videos, people have been editing and manipulating them to make them appear to be something they are not. Usually edited or manipulated photographs are relatively easy to detect, but those days are numbered. Technology has no morality; as it advances, so do the ways it can be misused. The lack of morality is no clearer than with deepfake technology.

People create deepfakes by inputting data sets, most often pictures or videos into a computer. A series of neural networks attempt to mimic the original data set until they are nearly …

Leveraging Maching Learning In Financial Fraud Forensics In The Age Of Cybersecurity, Md. Ariful Haque, Sachin Shetty

VMASC Publications

Financial sectors are lucrative cyber-attack targets because of their immediate financial gain. As a result, financial institutions face challenges in developing systems that can automatically identify security breaches and separate fraudulent transactions from legitimate transactions. Today, organizations widely use machine learning techniques to identify any fraudulent behavior in customers' transactions. However, machine learning techniques are often challenging because of financial institutions' confidentiality policy, leading to not sharing the customer transaction data. This chapter discusses some crucial challenges of handling cybersecurity and fraud in the financial industry and building machine learning-based models to address those challenges. The authors utilize an open-source …