Table 6.
Exploratory regression of personal characteristics on fraud susceptibility. N = 712, Qualtrics-based test and training. Values shown in the format: average (standard deviation)
| Variable | Coefficient | Standard error | P >|t| |
|---|---|---|---|
| Intercept | 5.31 | 0.75 | 0.000 |
| Received tips | − 0.05 | 0.15 | 0.764 |
| Received existing communication | 0.15 | 0.16 | 0.327 |
| Received interactive training | − 0.41 | 0.15 | 0.008 |
| Employment status = retired | 0.08 | 0.18 | 0.655 |
| Employment status = unemployed | 0.10 | 0.13 | 0.455 |
| Lost money to fraud | − 0.16 | 0.35 | 0.655 |
| Days from training to test | − 0.01 | 0.02 | 0.683 |
| Generalized trust score | − 0.06 | 0.04 | 0.146 |
| Log(income) | 0.08 | 0.08 | 0.267 |
| Years of education | − 0.06 | 0.03 | 0.024 |
| Married (married = 1; not = 0) | 0.10 | 0.13 | 0.441 |
| Age | − 0.10 | 0.03 | 0.000 |
| Age^2 | 0.00 | 0.00 | 0.001 |
| Gender (female = 1; male = 0) | 0.01 | 0.11 | 0.899 |
| Time used to complete the test (quantile) | − 0.05 | 0.04 | 0.273 |