Development and validation of the Online Fraud Susceptibility Scale
10.3969/j.issn.1000-6729.2025.11.09
- VernacularTitle:电信网络诈骗受骗易感性量表的编制与信效度评价
- Author:
Haoyu WANG
1
;
Dan WANG
1
;
Chen YANG
1
Author Information
1. 中国人民公安大学犯罪学学院,北京 100038
- Publication Type:Journal Article
- Keywords:
susceptibility to fraud;
computer network;
fraud;
development of scale;
validity;
reliability
- From:
Chinese Mental Health Journal
2025;39(11):981-987
- CountryChina
- Language:Chinese
-
Abstract:
Objective:To develop and validate the Online Fraud Susceptibility Scale(OFSS).Methods:The construct of online fraud susceptibility was defined through qualitative interviews(n=14)and expert evaluations(n=6).Based on prior literature,an initial item pool was generated.A sample of 805 adults completed the preliminary scale for item analysis and exploratory factor analysis(EFA).Another sample of 491 adults completed the formal scale for confirmatory factor analysis(CFA),criterion validity,and internal consistency analysis.Of these,233 par-ticipants were retested after four months.The Vulnerability to Fraud Questionnaire(VFQ)and the Susceptibility to Persuasion-Ⅱ Scale(StP-Ⅱ)were used as criterion measures.Results:The 25-item OFSS consisted of 5 factors,na-rely monetary motivation,heuristic processing,financial risk-seeking,anti-fraud knowledge,and susceptibility to so-cial influence,explaining 51.94％of the total variance.The factor loadings ranged from 0.52 to 0.80.The 5-factor model showed an acceptable structural fit(x2/df=2.39,CFI=0.86,TLI=0.84,CFI=0.86,RMSEA=0.05).The OFSS scores were positively correlated with the scores of VFQ and StP-Ⅱ(r=0.51,0.47,Ps＜0.001).The inter-nal consistency reliabilities of the total score and 5 factors ranged from 0.64 to 0.80,and the retest reliabilities(ICC)of the total score and 5 factors ranged from 0.53 to 0.78.Conclusion:The Online Fraud Susceptibility Scale demonstrates satisfactory psychometric properties providing a practical tool to assess the vulnerability to online fraud.
