Effects of Personal Characteristics on Phishing Awareness, Anti-Phishing Tool Usage, and Phishing Avoidance Behavior: A Structural Equation Modeling Approach

Phishing attacks are among the most prevalent cyber threats, often leading to financial losses, reputational damage, and personal identity crises. This study investigates university students' behavior towards phishing attacks, focusing on the relationship between phishing Awareness and phishing avoidance behavior. Additionally, it examines the moderating effects of gender, age, and qualification on the use of anti-phishing tools, phishing avoidance behavior, and phishing Awareness. Data were collected from 715 university students through a structured questionnaire employing a quantitative approach. The results revealed a strong positive relationship between students' Awareness of phishing attacks and their phishing avoidance behavior. The mediation analysis showed that phishing awareness significantly mediates the relationship between using anti-phishing tools and phishing avoidance behavior. Furthermore, significant differences were observed in phishing Awareness, avoidance behavior, and the use of anti-phishing tools based on gender and age groups. These findings highlight the importance of tailored cybersecurity education programs considering these demographic factors to enhance students' resilience against phishing attacks. It is recommended to develop targeted cybersecurity education programs that focus on increasing phishing awareness and promoting the use of anti-phishing tools among university students, with particular emphasis on addressing demographic differences. The study's findings suggest that improving phishing awareness and tailoring interventions based on gender, age, and educational background can significantly enhance students' ability to avoid phishing attacks, strengthening cybersecurity resilience.