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Psychology and Phishing Attacks

Phishing attacks rely heavily on psychological tricks, which is why understanding these tactics matters for cybersecurity awareness. Nearly half (47%) of successful attacks still happen because of careless employees.

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In this article

Have you watched “The Great Hack” movie? A must-watch for insights into the psychology behind phishing attacks!

Phishing attacks rely heavily on psychological tricks, which is why understanding these tactics is so important for cybersecurity awareness. Surprisingly, nearly half (47%) of successful attacks still happen because of careless employees [1].

The main psychological tactics in phishing

1. Emotional Manipulation

Phishers tap into emotions like fear, curiosity, and trust to prompt hasty actions. For example, an urgent message from a “bank” might trigger panic, while a promise of rewards can pique curiosity.

2. Cognitive Biases

We’re all prone to biases, and phishers know it. From overconfidence (“I’d never fall for a scam”) to authority bias (trusting messages from “important” figures), these biases make us more vulnerable. Scroll down to read more about cognitive biases.

3. Social Engineering

Phishers leverage techniques like reciprocation (creating a sense of obligation) and social proof (implying that “everyone else is doing it”) to persuade victims to comply

What we recommend against phishing

1. Recognize Vulnerabilities

Understanding our psychological vulnerabilities helps us stay alert. It’s often our emotions, not our tech knowledge, that phishers exploit.

2. Master the Basics to Identify Legitimate Messages

You need to know the basics that allow you to identify legitimate messages. Does the message come from someone you know? Does the message come from a domain you know and trust? As a minimum, you need to know how email addresses are structured and what your trusted sender domains are.

3. Effective Training

Training programs should go beyond tech skills. We recommend running phishing simulations.

4. Cognitive Approach

Encourage System 2 thinking (Slow, deliberate, and logical thinking, which requires more cognitive effort, [2]) – taking a moment to pause and evaluate messages before acting. This simple step can prevent impulsive, risky actions.

5. Cultivate a Secure Culture

Building a culture that values security encourages vigilance. When employees feel safe reporting suspicious emails, organizations become more resilient.

Phishing psychology is a global issue

Banner "We're attending Black Hat MEA – because phishing knows no borders" over a speaker on the Black Hat stage.

The psychology behind phishing attacks is a global issue, affecting individuals and organizations across borders. To deepen our understanding of these tactics, our team is participating in Black Hat Saudi Arabia this year. This event offers a unique perspective on the latest global cybersecurity threats and insights that we believe will be valuable for our European readers. Stay tuned for key takeaways by following Cyberdise on LinkedIn!

The cognitive biases phishers exploit most

Here’s a look at the top biases used in phishing attacks, so you can recognize and resist them:

1. The Halo Effect When we trust a person, brand, or organization, we’re more likely to trust messages associated with them. Phishers exploit this by posing as well known companies or trusted entities. In fact, the Halo Effect appears in 29% of phishing attacks, making it one of the most commonly used biases in social engineering [3]. Be cautious of unexpected messages from “trusted” sources, even if they seem familiar.

2. Hyperbolic Discounting

Humans naturally prefer immediate rewards over future benefits, making us easy targets for “limited-time offers” or free coupons. Scammers use this bias to entice quick clicks, knowing that the promise of instant rewards often clouds better judgment. This technique appears in 28% of phishing attacks [4], so remember to take a moment before acting on tempting deals.

3. Curiosity Effect

Curiosity can be a double-edged sword. Phishers know this and often lure victims with intriguing subject lines or “secret” information. Limited-time deals or exclusive offers exploit this bias, which drives 17% of phishing attacks [5]. Always approach curiosity-inducing emails with caution!

4. Authority Bias

We tend to trust messages from authority figures or high-ranking officials without question. Scammers impersonate figures like CEOs or government officials, leveraging this trust to push victims into action. Always verify the authenticity of urgent messages from authority figures.

5. Recency Effect

This bias causes us to give extra weight to the latest information we’ve encountered. Phishers take advantage of this by referencing current events or recent company news, making their messages feel timely and relevant. Stay vigilant by cross-checking unexpected messages against verified sources.

Other Cognitive Biases in Phishing [6]:

  • Loss Aversion: Threats of “account suspension” prey on our fear of loss, nudging us to act impulsively.
  • Optimism Bias: Scammers offer fake “great opportunities,” knowing we often underestimate risks.
  • Scarcity Bias: Phishers create urgency by claiming limited availability to make offers feel more valuable.

Educating yourself and your team on these psychological tricks can significantly reduce vulnerability to phishing attacks [7]. Recognizing these biases helps us slow down, think critically, and act with security in mind.

[1] Analysis of the IBM Cost of Data Breach Report 2024, Figure 7: Cases that can be attributed to a lack of employee awareness amount to 16% compromised/stolen credentials, 15% phishing, 10% Business Email Compromise and 06% social engineering. Means that 47% of all attacks target unexperienced, gullible or careless employees.

[2] Kahneman, D. (2011). Thinking, Fast and Slow. New York: Farrar, Straus and Giroux.

[3] LinkedIn: “Mind Games: How Hackers Exploit Your Brain with Cognitive Biases”

[4] Blog: “[INFOGRAPHIC] 9 Cognitive Biases Hackers Exploit the Most”

[5] Security Magazine: “Cybercriminals Exploit These Cognitive Biases the Most”

[6] VentureBeat: “Phishing Attacks Exploit Cognitive Biases, Research Finds”

[7] SC World: “The Five Most Popular Cognitive Biases That Result in Phishing Attacks”

Which psychological tactics do phishing attacks use?
Three main ones: emotional manipulation, which taps into fear, curiosity and trust to prompt hasty actions; cognitive biases such as overconfidence and authority bias; and social engineering techniques like reciprocation and social proof that persuade victims to comply.
Which cognitive biases appear most often in phishing attacks?
The Halo Effect appears in 29% of phishing attacks, hyperbolic discounting in 28%, and the curiosity effect drives 17%. Phishers also exploit authority bias, the recency effect, loss aversion, optimism bias and scarcity bias.
How can you tell whether a message is legitimate?
Check whether the message comes from someone you know and from a domain you know and trust. As a minimum, you need to know how email addresses are structured and what your trusted sender domains are.
Why does pausing before acting help against phishing?
It encourages System 2 thinking: slow, deliberate and logical thinking. Taking a moment to pause and evaluate messages before acting is a simple step that can prevent impulsive, risky actions.
What role does a security culture play?
A culture that values security encourages vigilance. When employees feel safe reporting suspicious emails, organizations become more resilient.
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Sources

  1. Psychology and Phishing AttacksCyberdise

Written by

Palo Stacho

Founder and Managing Director

Founder and Managing Director of Cyberdise AG in Zug, Switzerland. He writes about the state of the awareness industry and why behavior, not knowledge, decides whether an attack succeeds.