Incremental Risk Assessment of Progressive Elder Financial Scams via Instruction-Tuned Small Language Models

Abstract

arXiv:2609.00005v1 Announce Type: new Abstract: 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