Abstract- Exploring the determinants of victimization and fear of online identity theft: an empirical study

The Internet provides new opportunities for criminal activities on a larger scale, especially due to the ease of information dissemination and anonymity of perpetrators. Furthermore, it extends traditional crimes (such fraud or identity theft) to online offenses. Online identity theft (or cyber-identity theft) is considered one of the fastest growing crimes (Holt & turner, 2012; Golladay & Holtfreter, 2017), resulting in relevant financial losses to victims. Although there is not one widely accepted definition of identity theft, it can be conceptualized as the “unlawful use of another’s personal identifying information” (Bellah, 2001, p.222) used for a variety of criminal motives such as accessing existing credit cards or bank accounts without authorization. In the last years, researchers have been trying to established the factors that affect the likelihood of victimization of online identity theft. Among the criminological theories that have been used to explain cyber-identity theft victimization, routine activities approach is one of the most empirically tested. The present study aims at understanding what factors contribute to the explanation of online identity theft victimization, namely the exposition to potential offenders and risky online activities, suitable targets and capable guardianship. Additionally, it tries to uncover the influence of factors such as sociodemographic variables and computer perception skills. Furthermore, this research also tested what were the most relevant variables in the explanation of fear and risk perception of online identity theft victimization. Data for the present study were collected from a self-reported online survey administered to a sample of students, faculty and staff at the University of Porto. In total, 832 individuals participated (66.1% were female). Concerning the victimization as a dependent variable, the results suggest that 19.6% of individuals have been a victim of online identity theft at least once in their lives. It was also found that although exposition to risk (such as using online bank or online shopping) was not related to an increased likelihood of victimization, activities such as clicking in pop-up messages or visiting dubious websites were associated with higher levels of victimization. In turn, fear of identity theft was explained by sex (women being more fearful than men), fear of crime in general (positively associated with fear of identity theft), level of computer skills perception (where individuals with lower skills perception presented higher levels of fear of identity theft) and capable guardianship (individuals who protected more, reported higher levels of fear). On the other hand, risk perception of victimization concerned to online identity theft was explained by age (older individuals experiencing higher levels of risk), level of computer skills perception (following the same direction observed in fear of identity theft) and online target suitability (positively related with higher levels of perception of risk victimization). These results will be discussed in the line of routine activities approach and implications for online preventive behaviors will be outlined.