Shopping fraud victimization among the elderly

This study aims to investigate whether low self‐control and routine activity theories explain fraud outcomes among the elderly. Specifically, the effects of low self‐control and remote purchasing behaviors on shopping fraud targeting and victimization are empirically assessed.

Cross‐sectional survey data from telephone interviews conducted in Arizona and Florida are used. A total of 2,000 adults aged 60 and over were surveyed. Because selection bias was observed, a two‐stage probit regression model was estimated to assess theoretical hypotheses in a multivariate context.

The results demonstrate that two forms of remote purchasing – telemarketing purchase and mail‐order purchase – increase the probability of shopping fraud targeting. Infomercial purchase and mail‐order purchase are significant correlates of shopping fraud victimization. The probability of becoming a target and victim is affected positively by reduced levels of self‐control. The effects of demographic characteristics on fraud outcomes are null.

This research lends support to the argument that low self‐control and routine activity theories shed light on fraud victimization among elderly consumers. Future research should examine the influence of low self‐control, individual routines and lifestyles on other forms of victimization that the elderly experience.

The findings underscore the need for fraud prevention and increasing public awareness among elderly consumers.

This is the first study to examine shopping fraud targeting and victimization of the elderly in a broad theoretical context.