| Factors | High susceptible | Less susceptible |
|---|---|---|
| Age | 18–24 years old or less | 25 years old or more |
| Gender | Female | Male |
| Anti phishing training | No training | Anti-phishing trained |
| Education | Humanities | Computer Since |
| Training delivery method | Non-embedded | Embedded |
| Personality | Agreeableness | Consciousness |
| Internet usage behaviour | E-commerce and online banking | E-mails and simple browser |
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