As mobile phone adoption has surged, so have scams involving these devices. One such scam, known as SMiShing (or smishing) after Short Message Service (SMS), involves fraudsters sending phishing links via mobile texts. Despite the prevalence of SMiShing, there is a lack of data on who is most vulnerable to these attacks. Prior research on phishing (its email counterpart) suggests that susceptibility may vary by demographic and contextual factors. In two large-scale surveys, we use a previously published simulation method to collect data from representative samples of U.S. adult mobile phone users. Our findings indicate that younger individuals and college students are particularly vulnerable. Participants struggled to correctly identify legitimate messages, with the second study providing comparisons of financial message variants. Researchers, regulators, and telecoms can help users by creating mobile-specific interventions for under-24 and university customers and adding verifications and warnings.

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