Incremental Risk Assessment of Progressive Elder Financial Scams via Instruction-Tuned Small Language Models
Financial scams targeting older adults increasingly occur through text and voice channels such as email, SMS, and phone calls, unfolding over multiple conversational turns that begin with impersonation or casual contact, escalate through trust building and urgency, and culminate in requests for sensitive information or financial transfers. Because risk signals emerge incrementally across turns, effective detection requires models that continuously update risk estimates under resource-constrained deployment settings. We propose a cumulative turn-based risk assessment framework that incrementally aggregates conversational turns and re-estimates risk at each step, enabling dynamic scam monit...
| Authors | Parviz Ghafariasl, Weimin Fu, Xiaolong Guo et al. |
|---|---|
| Primary category | cs.AI |
| Published | 11 July 2026 |
| Last updated at source | 11 July 2026 |
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