Who Subscribe to Identity Theft Protection Service? An Exploration of Antecedent Factors

摘要

This study explores the antecedent factors that influence a person's adoption of identity theft protection service. Fifteen factors related to the demographic, behavioral, and psychological attributes of individuals are examined. Data gathered from 600 consumers (including 145 subscribers and 455 non-subscribers) were tested using Logistic Regression, Decision Tree, Neural Network, and Support Vector Machines (SVM) methods. The accuracy and sensitivity measures suggest that SVM performs the best. Further analysis based on SVM suggests that past victimization related to personal information and credit cards, and also gender, are the three most important antecedents to subscription to identity theft protection service.