The depiction of cybercrime victims using data mining techniques

Abstract

Purpose. Development of a scientific and methodological approach for creating a phase depiction of a cybercrime victim by identifying significant personified characteristics. Methodology. In the process of research, methods of systematization, comparison, grouping, logical generalization, bibliometric analysis, regression analysis (the method of sigma-limited parameterization), and the algorithm of associative rules were used. Findings. According to the results of the research, it was established that the countries with the highest rates of cyber fraud in the field of financial services include Luxembourg (15%), France (14%), Great Britain (13%) and Denmark (11%) are among. In 2020, on average, every 10th resident of the European Union became a cyber victim when performing financial transactions. The results of an empirical analysis using the algorithm of associative rules showed that in 100% of the analyzed cases of cyber fraud in the field of financial services among European residents, stable patterns are found between the following parameters: a married woman who raises three children, a woman aged 5564 years old who raises three children, a married person who periodically experiences financial difficulties and raises three children, a person who lives in a rural area and raises three children, a person aged 6574, who has three children. In addition, the probability for a woman raising three children of becoming a victim of cyber fraud is 87.5%. In 71.4% of cybercrime cases in the field of financial services, a close causal relationship is traced with the following parameters: manual worker who was cyberattacked through a smartphone, a person who periodically experiences financial difficulties and a cyberattack occurred through a smartphone. Originality. The use of profiling technology allows evaluating and predicting the behavior of the financial services consumer in the conditions of the growing risk of cyber fraud based on the systematization and establishment of cause-and-effect relationships between the most informative personalized signs of them. Practical value. The development of a phase depiction of a probable victim of cybercrime in the financial system allows identifying the signs of a cyber threat in the early stages, and immediately reacting to it, thus neutralizing or minimizing the negative consequences. The results of the conducted research will have practical significance for the management of financial institutions and public organizations that specialize in training and raising the level of financial and digital literacy of citizens.