Preventing the threat of credit-card fraud: Factors influencing cashiers' identification-checking behavior.
Two studies examined factors influencing cashiers' identification (ID)-checking behavior in order to inform the development of interventions to prevent credit-card fraud. In both studies, research assistants made credit purchases in various stores and noted the cashiers' ID-checking behavior. In the first study, the store type, whether the cashier swiped the credit/debit card, the amount of the purchase, and whether the credit/debit card was signed significantly influenced ID-checking behavior. In the second study, an A-B-A design was used to evaluate the impact of a "Check my ID" prompt placed on the credit/debit card. The prompt increased cashiers' ID-checking behavior from 5.9% at Baseline to 10.3% during the Intervention. When the prompt was removed, the cashiers' ID-checking behavior decreased to 7.2%. Implications for further intervention research to prevent credit-card fraud are discussed.
a Department of Psychology , Virginia Tech , Blacksburg , Virginia , USA.
Christopher
C
Downing
a Department of Psychology , Virginia Tech , Blacksburg , Virginia , USA.
E Henry
EH
Howard
a Department of Psychology , Virginia Tech , Blacksburg , Virginia , USA.
Christina
C
Goodwin
a Department of Psychology , Virginia Tech , Blacksburg , Virginia , USA.
E Scott
ES
Geller
D000328:Adult; D057189:Checklist; D003132:Commerce; D019548:Crime Victims; D005260:Female; D005607:Fraud / Q000517:prevention & control*; D006801:Humans; D008297:Male; D012919:Social Behavior; D014495:Universities; D014768:Virginia; D055815:Young Adult
Behavioral prompt; ID-checking; credit-card fraud; identity theft