<abstract xmlns="http://www.w3.org/1999/xhtml">

<p>The purpose of this study is to evaluate the safety of individuals’ behaviour in the cyber world, especially when using financial services. The article focuses on knowledge of cybersecurity issues, cyber risk awareness and respondents’ self-assessment as potential determinants of individual behaviour. The data obtained from a survey of a representative group of Polish citizens during the second wave of the COVID-19 pandemic was analysed. Ordinal logistic regression and instrumental variable analysis confirm the existence of a positive relationship between knowledge and awareness of cyber risk and safe behaviour in the cyber world. Older generations exhibit safer behaviour which may be linked to their life experience; however, the results do not confirm that experiencing a loss due to cyber risk convinces individuals to use Internet-based solutions in a safer manner. Therefore, educational campaigns should be expanded to include cyber risk issues and tailored to the needs of various users.</p>
</abstract>

The purpose of this study is to evaluate the safety of individuals’ behaviour in the cyber world, especially when using financial services. The article focuses on knowledge of cybersecurity issues, cyber risk awareness and respondents’ self-assessment as potential determinants of individual behaviour. The data obtained from a survey of a representative group of Polish citizens during the second wave of the COVID-19 pandemic was analysed. Ordinal logistic regression and instrumental variable analysis confirm the existence of a positive relationship between knowledge and awareness of cyber risk and safe behaviour in the cyber world. Older generations exhibit safer behaviour which may be linked to their life experience; however, the results do not confirm that experiencing a loss due to cyber risk convinces individuals to use Internet-based solutions in a safer manner. Therefore, educational campaigns should be expanded to include cyber risk issues and tailored to the needs of various users.

“Every knock is a boost”. Cyber risk behaviour among Poles

Economics and Business Review

This work is licensed under the Creative Commons Attribution 4.0 International License.

{"article-title":"\u201cEvery knock is a boost\u201d. Cyber risk behaviour among Poles"}

The purpose of this study is to evaluate the safety of individuals’ behaviour in the cyber world, especially when using financial services. The article focuses...

“Every knock is a boost”. Cyber risk behaviour among Poles

Published Online: Dec 30, 2021

Page range: 94 - 120

Received: Jun 26, 2021

Accepted: Dec 01, 2021

DOI: https://doi.org/10.18559/ebr.2021.4.6

Keywords
cybersecurity behaviour, knowledge of cybersecurity, instrumental variables, financial services

© 2020 Ewa Cichowicz et al., published by Sciendo

This work is licensed under the Creative Commons Attribution 4.0 International License.

“Every knock is a boost”. Cyber risk behaviour among Poles

Published Online: Dec 30, 2021

Page range: 94 - 120

Received: Jun 26, 2021

Accepted: Dec 01, 2021

DOI: https://doi.org/10.18559/ebr.2021.4.6

Keywordscybersecurity behaviour, knowledge of cybersecurity, instrumental variables, financial services

© 2020 Ewa Cichowicz et al., published by Sciendo

This work is licensed under the Creative Commons Attribution 4.0 International License.

Keywords
cybersecurity behaviour, knowledge of cybersecurity, instrumental variables, financial services