Middle-老年の online shoppers are most likely to commit 詐欺
- Ravelin's 報告（する）／憶測 伴う／関わるd 6,278 adults across the UK, フラン and Germany?
- Many fraudsters engage in 保証人／証拠物件 乱用 or 偉業／利用する 'high spender' 申し込む／申し出s
- Higher living costs are 主要な middle-老年の 消費者s to break the 法律
Older shoppers are more likely to commit online 詐欺 than younger people, a new 報告（する）／憶測 has surprisingly discovered.
の中で 消費者s who 自白するd to doing something fraudulent online last year, 41 per cent were over 45 years old, while only 17 per cent were between 18 and 24, によれば 詐欺 保護 壇・綱領・公約 Ravelin.
Ravelin 公式文書，認めるs that as online shopping has risen in 人気, fraudsters have more 適切な時期s to play the system through 'friendly 詐欺' or 'first-party 詐欺.'
Moreover, only 18 per cent of 調査する 回答者／被告s who 認める to 詐欺 '堅固に believe' what they are doing is wrong, even when their activities 侵害する／違反する a company's 条件 and 条件s.
Not young: の中で 消費者s who 自白するd to doing something fraudulent online last year, 41 per cent were over 45 years old, によれば 詐欺 保護 壇・綱領・公約 Raveli n
Many even 展示（する） a 'コマドリ Hood' mentality, stealing from supermarkets and major high street brands in the belief that such 商売／仕事s can 'easily 吸収する the losses.'
Higher living costs, putting children through university and the need to support 年輩の parents were 示唆するd as 推論する／理由s middle-老年の 消費者s were breaking the 法律.
激しい shoppers are also more inclined to be 悪党／犯人s, with 62 per cent of those who committed 詐欺 more than four times 説 they had bought something on the internet at least 11 times in the past year.
The findings have been published ahead of the 黒人／ボイコット Friday and Christmas shopping season when 消費者 詐欺 tends to より悪くする.
ツバメ Sweeney, 長，指導者 (n)役員／(a)執行力のある of Ravelin, 発言／述べるd: 'We live in difficult times, so it is perhaps not surprising that some 消費者s find themselves tempted into fraudulent behaviour, but the fact so many さもなければ respectable middle-老年の people are 伴う／関わるd seems やめる 重要な.'
Of the 調査する 回答者／被告s who 認める to 消費者 詐欺, 7 per cent said they engaged in '偽の returns,' either sending 支援する an item different from the one they bought or いつかs returning an empty box.
一方／合間, 5 per cent said they used another individual's card 詳細（に述べる）s to buy items online without their 許可 - also known as?second-party 支払い（額） 詐欺.
A much more ありふれた type of 詐欺 is 保証人／証拠物件 乱用, whereby someone uses an 申し込む／申し出 more times than 許すd for goods or 始める，決めるs up 多重の online accounts to take advantage of 取引，協定s.
A ４半期/4分の1 also 偉業／利用する 'high spender' 申し込む／申し出s, 含むing 解放する／自由な shipping and 解放する／自由な returns, by acquiring more than they 現実に want and subsequently returning items they do not need.
経済的な 圧力s: 消費者 fraudsters across the UK, フラン and Germany said the most ありふれた '誘発する／引き起こす' for 事実上の／代理 dishonestly was the cost-of-living 危機
In 最近の years, more retailers have started 非難する 顧客s for 手渡すing 支援する items 予定 to the high cost of 過程ing returns, which can 厳しく 衝撃 their 利益（をあげる） 利ざやs.
着せる／賦与するing brands have been 特に keen to 課す return 料金s, with Zara owner H&M, outdoor specialist Mountain 倉庫／問屋, and Boohoo の中で those who have done so.
Ravelin 公式文書，認めるd that Topshop owner ASOS began 割れ目ing 負かす／撃墜する on 昇進／宣伝s when it 設立する that 6 per cent of 顧客s were costing the 会社／堅い more than £100million with their overuse of returns and 昇進／宣伝s.
The anti-詐欺 group 定評のある that people 偉業／利用するing high spender 申し込む／申し出s are not committing a 罪，犯罪 but said 'these 消費者s are 試みる／企てるing to play the system to their 利益.'
Many fraudsters get tips and ideas for scams from celebrities and influencers on social マスコミ 壇・綱領・公約s like TikTok and Instagram, 特に young people.?
Ravelin's 報告（する）／憶測 伴う／関わるd 6,278 adults across the UK, フラン and Germany who had bought something digitally in the previous six months.?
Forty per cent of them 自白するd to （罪などを）犯すing online 消費者 詐欺 during the past year, while a その上の 36 per cent are 熟視する／熟考するing doing so in the 未来.
Although インフレーション and poverty 率s are higher in the UK, the 報告（する）／憶測 discovered that French shoppers were more willing to engage in 消費者 詐欺 than Britons - 47 per cent の中で the former group compared to 39 per cent for the latter.
In both countries, though, 同様に as Germany, the most ありふれた '誘発する／引き起こす' for 事実上の／代理 dishonestly was the cost-of-living 危機.
Other major catalysts 含むd the coronavirus pandemic, becoming redundant, having children, and starting school or university.
Most 消費者 fraudsters earned いっそう少なく than £/?100 from their 活動／戦闘s, while only 13 per cent said they took home at least £/?500.
But a 大多数 also think their behaviour was not fraudulent, and 45 per cent believe it is 許容できる to capitalise on （法などの）抜け穴s, gaps in returns 政策s and other 条件 and 条件s.
Ravelin 観察するd: 'Instead of 審議する／熟考する 意図, 消費者s see a chance to bend the 支配するs and take it ? for example, when a retailer automatically refunds a return before checking it or if it 配達するs the wrong items by mistake.
'For brands, 減ずるing the 適切な時期 to commit 詐欺 means 減ずるing 詐欺 ? by 妨害するing 政策 乱用, 罰金-tuning 条件 and 条件s and becoming more diligent in their 詐欺 予防 approach.'
