Beyond Technical Barriers: A Multidimensional Conceptual Framework for Understanding and Countering Cyber Scam Susceptibility. - Darem, Abdulbasit A.; Alkhaldi, Tareq M.; Alahmari, Muteeb; Alhashmi, Asma A.; Alashjaee, Abdullah M.; Alanazi, Sultan M.; Ebad, Shouki A. (International Journal of Human-Computer Interaction, 2025)