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Abstract

The growth in technology and the internet has increased the opportunity for cyber-fraud, with increasing incidences of authorised push payment fraud whereby the victim authorises the payment, and is viewed as blameworthy, and not an innocent victim. Through a literature review this study uses routine activity theory to help explain the growth of this category of fraud and to identify whether the victim bears all the blame, or whether other agencies share some of the responsibility. As with existing research, this dissertation shows that certain elements of routine activity theory are more relevant to the subject matter than others, and the routine activity of computer and internet use, and lack of a capable guardian have more impact than proximity and convergence when studying authorised push payments. Little research exists specifically on authorised push payment fraud as data has only been collected since 2017 and is still being finessed. It is also difficult to assess how the restrictions of the covid pandemic have affected the conclusions and so this dissertation can only be the start to further, more rigorous, research into the impact of authorised push payment as a cyber-fraud.

Course: Crime and Criminology - BSc (Hons) - C2113P

Date Deposited: 2022-09-21

URI/permalink: https://library.port.ac.uk/dissert/dis14025.html