STUDYING THE MAIN COGNITIVE BIASES OF FINANCIAL BEHAVIOR OF USERS IN THE CONTEXT OF CYBER FRAUD

Medyanik Olga Viktorovna

This article proposes criteria for classifying psychological effects that influence user behavior in the context of cyber fraud. Special attention is paid to effects such as reliability, authority, promises, scarcity, confirmation, and pushing, which can lead to errors in decision-making and situation assessment. A classification and definition of manipulative influence codes is proposed, taking into account their reflection on individual psychological processes and states. The result of this research is a classification of types of cyber fraud based on cognitive biases and codes of psychological influence. The study may be of interest to a wide audience, including social media users, banking and financial service users, business representatives, and government agencies working with confidential information. Additionally, this research may be useful for professionals in the fields of cybersecurity and psychology.

Keywords:financial behavior, social engineering, cognitive biases, cyber fraud, codes of psychological influence