THE IMPACT OF THE AGE FACTOR ON PLASTIC CARD FRAUD: A SWOT ANALYSIS ACROSS AGE GROUPS
Abstract
This paper examines the role of the age factor in plastic card fraud in Uzbekistan through SWOT analysis. The study draws on a survey conducted in Tashkent in 2024 (n=391, 44 Likert-scale items, Cronbach a=0.745-0.919) and international academic literature. Cybersecurity knowledge, digital skills, practical application of protective measures, and trust in the banking system were assessed for five age groups: 18-25, 26-35, 36-45, 46-55, and 56 and above. The SWOT matrix identified the strengths, weaknesses, opportunities, and threats specific to each group. The key finding is that the relationship between age and fraud risk is non-linear. The 18-25 age group demonstrated the highest knowledge level (M=3.91), yet showed the largest gap between knowledge and practice (+0.64). Older respondents scored lower on knowledge (M=2.83), but face fewer attacks due to lower online activity. Trust in the banking system was low across all groups (M=1.54-1.81), indicating a systemic problem.
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