전자금융사기 피해자 특성에 관한 탐색적 연구

초록

The number of victims of fraud crimes in Korea has been increasing year by year, to the point that the country has been called a “fraud republic”. In particular, non-face-to-face electronic financial fraud, such as voice phishing, smishing, and pharming, is on the rise, and financial authorities and the judiciary are taking various measures to combat it. Therefore, it is necessary to develop a financial fraud prevention system by identifying the characteristics of financial fraud victims. According to the literature review, characteristics such as demographic characteristics, socioeconomic background, and psychological background are related to the experience of financial fraud. In addition, the level of knowledge about financial fraud is also a significant factor in many studies. Therefore, this paper aims to determine whether the characteristics derived from the literature review are confirmed in the profile of financial fraud victims in Korea through the 'Survey on Electronic Financial Fraud, 2022' by KBS Public Media Research Institute. The analysis revealed differences in victimization experiences based on demographic characteristics, particularly age groups, and psychological traits. Therefore, to prevent increasingly sophisticated financial fraud crimes, it is necessary to focus on individuals with these characteristics and promote education and countermeasures to prevent victimization.

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