"It didn't feel right but I needed a job so desperately": Understanding People's Emotions & Help Needs During Financial Scams

Abstract

Online financial scams represent a long-standing and serious threat for which people seek help. We present a study to understand people's in situ motivations for engaging with scams and the help needs they express before, during, and after encountering a scam. We identify the main emotions scammers exploited (e.g., fear, hope) and characterize how they did so. We examine factors -- such as financial insecurity and legal precarity -- which elevate people's risk of engaging with specific scams and experiencing harm. We indicate when people sought help and describe their help-seeking needs and emotions at different stages of the scam. We discuss how these needs could be met through the design of contextually-specific prevention, diagnostic, mitigation, and recovery interventions.