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Can Identity Theft Defense be Practically Effective? A TAM-Derived Survey of Software-Based Deterrence to Phishing and Pharming
Abstract
Phishing uses technical legerdemain and social engineering to defraud on-line consumers into divulging confidential information. Pharming is a complimentary activity which misdirects clueless internet users to phony destinations, where they are induced to voluntarily give up their valuable data through Phishing schemes. These crimes are on the rise. Filings with the Anti-Phising Working Group (APWG) indicate that, on average, 456 incidents of Phishing were occurring each day during the month of July, 2005, and these were only those incidents which were reported to APWG. This paper discusses practical challenges to the problem of identity theft prevention through an evaluation of the perceived user acceptance over a variety of software products which share the goal of enabling web-users to avoid becoming ID Theft victims, based on hypothesis’ of the Davis Technology Assessment Model (TAM).
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