{"id":"https://openalex.org/W3158102973","doi":"https://doi.org/10.1145/3449115","title":"\"We Even Borrowed Money From Our Neighbor\"","display_name":"\"We Even Borrowed Money From Our Neighbor\"","publication_year":2021,"publication_date":"2021-04-13","ids":{"openalex":"https://openalex.org/W3158102973","doi":"https://doi.org/10.1145/3449115","mag":"3158102973"},"language":"en","primary_location":{"id":"doi:10.1145/3449115","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3449115","pdf_url":null,"source":{"id":"https://openalex.org/S4210183893","display_name":"Proceedings of the ACM on Human-Computer Interaction","issn_l":"2573-0142","issn":["2573-0142"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319798","host_organization_name":"Association for Computing Machinery","host_organization_lineage":["https://openalex.org/P4310319798"],"host_organization_lineage_names":["Association for Computing Machinery"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the ACM on Human-Computer Interaction","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5017949568","display_name":"Lubna Razaq","orcid":"https://orcid.org/0000-0002-0020-2804"},"institutions":[{"id":"https://openalex.org/I201448701","display_name":"University of Washington","ror":"https://ror.org/00cvxb145","country_code":"US","type":"education","lineage":["https://openalex.org/I201448701"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Lubna Razaq","raw_affiliation_strings":["University of Washington &amp; Lahore Information Technology University, Seattle, WA, USA"],"affiliations":[{"raw_affiliation_string":"University of Washington &amp; Lahore Information Technology University, Seattle, WA, USA","institution_ids":["https://openalex.org/I201448701"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5088128096","display_name":"Tallal Ahmad","orcid":"https://orcid.org/0000-0001-6955-3680"},"institutions":[{"id":"https://openalex.org/I207789805","display_name":"Lahore University of Management Sciences","ror":"https://ror.org/05b5x4a35","country_code":"PK","type":"education","lineage":["https://openalex.org/I207789805"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Tallal Ahmad","raw_affiliation_strings":["Lahore University of Management Sciences, Lahore, Pakistan"],"affiliations":[{"raw_affiliation_string":"Lahore University of Management Sciences, Lahore, Pakistan","institution_ids":["https://openalex.org/I207789805"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5079419372","display_name":"Samia Ibtasam","orcid":null},"institutions":[{"id":"https://openalex.org/I201448701","display_name":"University of Washington","ror":"https://ror.org/00cvxb145","country_code":"US","type":"education","lineage":["https://openalex.org/I201448701"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Samia Ibtasam","raw_affiliation_strings":["University of Washington, Seattle, WA, USA"],"affiliations":[{"raw_affiliation_string":"University of Washington, Seattle, WA, USA","institution_ids":["https://openalex.org/I201448701"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5077354629","display_name":"Umer Ramzan","orcid":null},"institutions":[{"id":"https://openalex.org/I1323252656","display_name":"Information Technology University","ror":"https://ror.org/00ngv8j44","country_code":"PK","type":"education","lineage":["https://openalex.org/I1323252656"]},{"id":"https://openalex.org/I4210135941","display_name":"GIFT University","ror":"https://ror.org/04tb22w36","country_code":"PK","type":"education","lineage":["https://openalex.org/I4210135941"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Umer Ramzan","raw_affiliation_strings":["Information Technology University Lahore, Gujranwala, Pakistan"],"affiliations":[{"raw_affiliation_string":"Information Technology University Lahore, Gujranwala, Pakistan","institution_ids":["https://openalex.org/I4210135941","https://openalex.org/I1323252656"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5068346842","display_name":"Shrirang Mare","orcid":null},"institutions":[{"id":"https://openalex.org/I52669646","display_name":"Western Washington University","ror":"https://ror.org/05wn7r715","country_code":"US","type":"education","lineage":["https://openalex.org/I52669646"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Shrirang Mare","raw_affiliation_strings":["Western Washington University, Bellingham, WA, USA"],"affiliations":[{"raw_affiliation_string":"Western Washington University, Bellingham, WA, USA","institution_ids":["https://openalex.org/I52669646"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5017949568"],"corresponding_institution_ids":["https://openalex.org/I201448701"],"apc_list":null,"apc_paid":null,"fwci":1.9921,"has_fulltext":false,"cited_by_count":24,"citation_normalized_percentile":{"value":0.88730542,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":96,"max":100},"biblio":{"volume":"5","issue":"CSCW1","first_page":"1","last_page":"30"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11644","display_name":"Spam and Phishing Detection","score":0.9988999962806702,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T11644","display_name":"Spam and Phishing Detection","score":0.9988999962806702,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T12519","display_name":"Cybercrime and Law Enforcement Studies","score":0.9968000054359436,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11241","display_name":"Advanced Malware Detection Techniques","score":0.984000027179718,"subfield":{"id":"https://openalex.org/subfields/1711","display_name":"Signal Processing"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/internet-privacy","display_name":"Internet privacy","score":0.6597766876220703},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.5435168743133545},{"id":"https://openalex.org/keywords/mobile-payment","display_name":"Mobile payment","score":0.539209246635437},{"id":"https://openalex.org/keywords/adversary","display_name":"Adversary","score":0.5174413323402405},{"id":"https://openalex.org/keywords/process","display_name":"Process (computing)","score":0.49948763847351074},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.4712308645248413},{"id":"https://openalex.org/keywords/intervention","display_name":"Intervention (counseling)","score":0.4701768457889557},{"id":"https://openalex.org/keywords/mobile-device","display_name":"Mobile device","score":0.4498797357082367},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.31008732318878174},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.12525498867034912},{"id":"https://openalex.org/keywords/psychology","display_name":"Psychology","score":0.1158280074596405},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.07750272750854492}],"concepts":[{"id":"https://openalex.org/C108827166","wikidata":"https://www.wikidata.org/wiki/Q175975","display_name":"Internet privacy","level":1,"score":0.6597766876220703},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5435168743133545},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.539209246635437},{"id":"https://openalex.org/C41065033","wikidata":"https://www.wikidata.org/wiki/Q2825412","display_name":"Adversary","level":2,"score":0.5174413323402405},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.49948763847351074},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.4712308645248413},{"id":"https://openalex.org/C2780665704","wikidata":"https://www.wikidata.org/wiki/Q959298","display_name":"Intervention (counseling)","level":2,"score":0.4701768457889557},{"id":"https://openalex.org/C186967261","wikidata":"https://www.wikidata.org/wiki/Q5082128","display_name":"Mobile device","level":2,"score":0.4498797357082367},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.31008732318878174},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.12525498867034912},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.1158280074596405},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.07750272750854492},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.0},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0},{"id":"https://openalex.org/C118552586","wikidata":"https://www.wikidata.org/wiki/Q7867","display_name":"Psychiatry","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3449115","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3449115","pdf_url":null,"source":{"id":"https://openalex.org/S4210183893","display_name":"Proceedings of the ACM on Human-Computer Interaction","issn_l":"2573-0142","issn":["2573-0142"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319798","host_organization_name":"Association for Computing Machinery","host_organization_lineage":["https://openalex.org/P4310319798"],"host_organization_lineage_names":["Association for Computing Machinery"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the ACM on Human-Computer Interaction","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Peace, Justice and strong institutions","id":"https://metadata.un.org/sdg/16","score":0.75}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":43,"referenced_works":["https://openalex.org/W1481572045","https://openalex.org/W1538107785","https://openalex.org/W1616675290","https://openalex.org/W1979290264","https://openalex.org/W1989829258","https://openalex.org/W1990935444","https://openalex.org/W1993246901","https://openalex.org/W2016563917","https://openalex.org/W2031159271","https://openalex.org/W2106103812","https://openalex.org/W2106374954","https://openalex.org/W2115521450","https://openalex.org/W2116476386","https://openalex.org/W2129281072","https://openalex.org/W2143534599","https://openalex.org/W2335888457","https://openalex.org/W2406597851","https://openalex.org/W2537669654","https://openalex.org/W2558574039","https://openalex.org/W2610906197","https://openalex.org/W2610906739","https://openalex.org/W2611499662","https://openalex.org/W2611724811","https://openalex.org/W2739870213","https://openalex.org/W2768569622","https://openalex.org/W2769782881","https://openalex.org/W2776167369","https://openalex.org/W2808840625","https://openalex.org/W2809093729","https://openalex.org/W2809213264","https://openalex.org/W2890575371","https://openalex.org/W2909325167","https://openalex.org/W2911428659","https://openalex.org/W2914637266","https://openalex.org/W2946424944","https://openalex.org/W2963144337","https://openalex.org/W2963549118","https://openalex.org/W2985186227","https://openalex.org/W2988216389","https://openalex.org/W3015248122","https://openalex.org/W3029577016","https://openalex.org/W3209546534","https://openalex.org/W6755854949"],"related_works":["https://openalex.org/W4242235492","https://openalex.org/W2367268135","https://openalex.org/W4237162029","https://openalex.org/W2385701518","https://openalex.org/W4237464767","https://openalex.org/W1658340114","https://openalex.org/W2395750098","https://openalex.org/W2078931212","https://openalex.org/W4253582215","https://openalex.org/W3122105331"],"abstract_inverted_index":{"Mobile-based":[0],"scams":[1,14],"are":[2],"on":[3],"the":[4,10,31,51,77,100,124,127,141,178,182,189,196,203],"rise":[5],"in":[6,41,50,181],"emerging":[7],"markets.":[8],"However,":[9],"awareness":[11],"about":[12],"these":[13,80,192],"and":[15,38,66,82,108,126,134,155,168,194],"ways":[16],"to":[17,113,172,187],"avoid":[18],"them":[19],"remains":[20],"limited":[21],"among":[22],"mobile":[23,52,63,115,150,174],"users.":[24,116],"We":[25,43],"present":[26],"a":[27,87],"qualitative":[28],"analysis":[29],"of":[30,33,57,140,149,166,191,198],"dynamics":[32],"mobile-based":[34,58,74,84],"fraud":[35,85,133,142,199],"(specifically,":[36],"SMS":[37],"call-based":[39],"fraud)":[40],"Pakistan.":[42],"interviewed":[44],"96":[45],"participants,":[46],"including":[47,176],"different":[48],"stakeholders":[49,81],"financial":[53],"ecosystem:":[54],"71":[55],"victims":[56],"scams,":[59],"seven":[60],"non-victims,":[61],"15":[62],"money":[64],"agents,":[65],"three":[67],"officials":[68],"from":[69,79],"regulatory":[70],"agencies":[71],"that":[72,110],"investigate":[73],"fraud.":[75,160],"Leveraging":[76],"perspectives":[78],"analyzing":[83],"with":[86,202],"four-step":[88],"social-engineering":[89],"attack":[90],"framework,":[91],"we":[92,98,118,145,162],"make":[93],"four":[94],"concrete":[95],"contributions:":[96],"First,":[97],"identify":[99],"nuances":[101],"as":[102,104],"well":[103],"specific":[105],"tactics,":[106],"methods,":[107],"resources":[109],"fraudsters":[111],"use":[112],"scam":[114],"Second,":[117],"look":[119],"at":[120,137],"other":[121],"actors,":[122],"beyond":[123],"victim":[125],"adversary,":[128],"involved":[129],"or":[130],"affected":[131],"by":[132],"their":[135,152,156],"roles":[136],"each":[138],"step":[139],"process.":[143],"Third,":[144],"discuss":[146,163],"victims'":[147],"understanding":[148],"fraud,":[151,175],"behavior":[153],"post-realization,":[154],"attitudes":[157],"toward":[158],"reporting":[159,200],"Finally,":[161],"possible":[164],"points":[165],"intervention":[167],"offer":[169],"design":[170,197],"recommendations":[171],"thwart":[173],"addressing":[177],"vulnerabilities":[179],"discovered":[180],"ecosystem,":[183],"utilizing":[184],"existing":[185],"actors":[186],"mitigate":[188],"consequences":[190],"attacks,":[193],"realigning":[195],"mechanisms":[201],"sociocultural":[204],"practices.":[205]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":16},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":3}],"updated_date":"2026-04-14T08:04:32.555800","created_date":"2025-10-10T00:00:00"}
