Test how likely you are to be scammed

I. What Is Fraud Risk?

Fraud risk does not mean a person is 'stupid' or 'greedy'. Rather, it refers to the likelihood that an individual, when facing false information, manipulative scripts, or high-pressure situations, is more prone to making irrational judgments due to cognitive biases, emotional involvement, or decision-making habits.

Psychological research shows that scams often succeed not by exploiting 'ignorance', but by precisely exploiting the 'fast decision-making mechanism' that the human brain formed during evolution - namely, heuristic thinking (Heuristics).

II. Theoretical Basis: How Do Scammers Exploit Human Weaknesses?

This test is mainly based on the proposal of the psychologist Robert Cialdini (Robert Cialdini) ofthe six principles of Influence, as well as cognitive bias theoryfor its design:

• Scarcity Principle: People fear losing an opportunity, and the rarer something is, the more precious it seems.
• Authority Effect: People tend to obey the instructions of experts, officials, or authoritative institutions.
• Social Proof: Seeing that many people are doing something, one assumes it is the right choice.
• Commitment and Consistency: Once a small commitment is made, the desire to appear consistent makes it easier to agree to a larger request.
• Liking Principle: People are more willing to agree to requests from people they like or are similar to.
• Reciprocity Principle: Having accepted a benefit from others, one feels pressure to repay it.

III. The Five Assessment Dimensions of This Test

This test has 18 items in total and assesses your anti-fraud 'immunity' from five key psychological dimensions:

• Impulse Control: Whether you can suppress the urge to act immediately when facing time limits, limited quantities, or high returns.
• Authority Discrimination: Whether you blindly trust titles, uniforms, official-sounding tones, or forged certificates.
• Emotional Stability: Your judgment under emotions of fear (such as a stolen account) or greed (such as winning a prize).
• Information Verification Habits: Whether you tend to verify from multiple sources, or make decisions based on intuition or a single source.
• Boundary Awareness: Your sensitivity to privacy leaks and your vigilance toward unfamiliar relationships.

IV. Purpose of the Test and Target Population

This test aims to help you identify which of your psychological defense lines are weaker, so that you can be more vigilant in real situations. It is especially suitable for:

• Internet users who frequently encounter online information and shop online often
• People who need to manage family finances or are responsible for the financial security of their family
• People who want to improve their critical thinking and risk awareness
• People who want to understand the fraud risk of family members (such as the elderly or children)

V. Scoring and Interpretation of Results

Each item is scored 1-5, and the higher the score, the more susceptible you are to outside influence on that dimension. The system will use the weighted total of the five dimensions to determine which 'anti-fraud personality type' you belong to, and provide targeted safety advice.