Is Clicking Too Quickly Paving the Way for Online Fraud? For 44% it Is

Estimated read time 4 min read

In the digital age, where transactions and interactions occur at the speed of light, does a moment’s hesitation hold the power to shield us from deception? ABN Amro’s recent study, conducted with five hundred victims of online fraud, suggests that this might indeed be the case.

The bank’s research1 indicates that nearly half of the Dutch online fraud incidents could have been avoided if victims had not been so quick to click.

An astonishing 44% of those duped acknowledged their haste enabled the fraud to occur. But what does this mean for the broader landscape of cybercrime, and how can we use this information to fortify our defenses?

The Lure of the Click: A Path to Victimization

In the web’s intricate dance, speed is often equated with efficiency, but it seems that our alacrity may be leading us into the trap of online predators. ABN Amro’s findings reveal a disturbing trend: 37% of fraud victims felt some form of pressure to act quickly, which may have clouded their judgment. This sense of urgency is a common thread in many fraudulent schemes, designed to rush individuals into action before they can properly scrutinize the situation.

Moreover, a significant 48% of the victims desired to act swiftly, foregoing necessary checks to ensure the legitimacy of the transactions. This impulsivity is exactly what fraudsters rely on. ABN Amro’s initiative with the message “Kijk nog eens goed, als het snel moet” (Take another look if it needs to be fast) underscores the critical importance of pausing to verify the authenticity of online interactions.

The Psychology Behind the Click: A Closer Look

Victim blaming, as highlighted by Veerle de Beurs of Levent Bedrijfsrecherche, is a contentious issue. It arises from a belief that every event must have a rationale, leading people to search for a reason behind the victim’s misfortune.

When logic fails, the finger is often pointed at the victim for doing something wrong. This mindset not only creates an illusion of safety but also shifts the responsibility away from the perpetrators of fraud.

Slachtofferhulp Nederland echoes this sentiment, emphasizing that victims sometimes face professionals who inadvertently suggest that they are to blame for their predicament. The assertions by the British consumer organization Which? that banks frequently blame victims, normalizing victim blaming, add to this complex tapestry of accountability and prevention.

Moving Forward: Prevention and Education

The insights provided by ABN Amro are not just statistics2; they are a clarion call for a shift in our online behavior. By not immediately reacting, but instead allowing ourselves a brief interlude to assess whether something is genuine or fraudulent, we can prevent much anguish.

In light of these findings, educational campaigns are paramount. They should aim not only to inform but also to transform online habits. By fostering an environment where reflection is habitual before action, we can create a formidable barrier against online fraud.

In conclusion, the research underscores a critical aspect of cyber security: the human factor. It serves as a poignant reminder that sometimes, in our hyper-connected world, the best defense may be a moment’s pause — a simple yet powerful tool in our arsenal against the sophisticated tactics of online fraudsters.


Q: What percentage of online fraud victims claimed they acted too quickly? A: According to ABN Amro’s research, 44% of the victims stated they clicked too quickly, which led to fraud.

Q: How many victims felt pressured to act immediately? A: The study found that nearly four out of ten victims (37%) experienced some form of pressure to act quickly at the time the online fraud occurred.

Q: What is ABN Amro’s campaign message? A: ABN Amro has initiated a campaign with the message “Kijk nog eens goed, als het snel moet,” which translates to “Take another look if it needs to be fast.”

Q: What does victim blaming refer to in the context of online fraud? A: Victim blaming in the context of online fraud refers to the tendency to hold victims partially or fully responsible for the fraudulent acts committed against them, often arising from the belief that the victims could have avoided the situation by acting differently.

Q: What is the suggested behavioral change to prevent online fraud? A: The suggested behavioral change is to take a moment to review and verify before acting on online requests or transactions, rather than responding immediately, to avoid falling prey to fraudulent schemes.

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Reza Rafati

Reza Rafati, based in the Netherlands, is the founder of An industry professional providing insightful commentary on infosec, cybercrime, cyberwar, and threat intelligence, Reza dedicates his work to bolster digital defenses and promote cyber awareness.

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