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Understanding and Addressing Fraud Against Children and Young People: An Action Plan

By Madeline Rolfe, Beth Mooney, Teresa Hulme, Millie Paine and Sophie Davis.

Fraud is the most commonly experienced crime in England and Wales, making up around 41% of all crime against households and people aged 16 and over. Data suggests that the scale of fraud is increasing, with fraud incidents rising by 19% between 2023 to 2024 across the whole population. Fraud causes significant harm to individuals and the economy. It also represents a national threat: fraud is a form of serious and organised crime. One study found two thirds of serious and organised crime groups committing fraud were also involved in other criminal activity. In some cases, proceeds from fraud were used to fund other illegal activity. Tackling fraud is a strategic priority for policing and is included in the Strategic Policing Requirement. The government has also underlined a commitment to tackling fraud in the Fraud Strategy. This is an opportune time to generate insight around how best to tackle fraud. Previous Crest research found initial evidence to suggest that the risk of young people being exposed to and experiencing fraud is disproportionately growing compared to elderly people as the internet increasingly becomes part of their daily lives. However, research to understand children and young people’s (CYP) experiences of fraud is lacking. This research is the first to specifically focus on fraud committed against CYP. It examines reporting data from the National Fraud Intelligence Bureau (NFIB), interviews with CYP, and nationally representative surveys with both CYP and parents and guardians. Findings from these sources have been triangulated to build a comprehensive picture of fraud experienced by CYP. A wider range of fraud experts have also been engaged throughout this project to ensure our research is cutting edge and informs action in this sector. This research is well timed given Fraud Minister David Hanson’s announcement at the Global Anti-Scam Summit in March 2025 that an expanded fraud strategy is to be developed and published later this year Key findings Scale and nature of fraud against children and young people 1. Most CYP have been targeted by fraudsters within the last year. According to our survey, 88% of CYP aged 13-21 had been targeted by fraud in the last year. Only 1% of children and young people (CYP) have never encountered fraud. 2. Nearly a third (29%) of CYP have been a victim of fraud. Some CYP are more likely to experience fraud victimisation, including older CYP (aged 18-21) and CYP with Special Educational Needs and Disabilities (SEND). 3. Milestones where CYP gained new or increased financial independence coincided with fraud victimisation. For example, some of our interviewees experienced fraud after opening their first bank account or getting their first job. There was also evidence of victimisation after CYP received a lump sum of money e.g. the 16 to 19 Bursary Fund. 4. The most commonly experienced types of fraud by CYP are advance fee fraud, banking and credit fraud, financial investment fraud, cyber fraud, and identity theft and fraud. Available data suggests that, on average, CYP lose the most money from financial investment fraud. 5. Advance fee fraud is the most commonly recorded fraud against CYP, it accounted for the majority of CYP reports to professionals and was commonly experienced CYP interview participants 6. CYP are more likely to experience fraud on certain online platforms. These were Instagram, Facebook and TikTok. Interestingly, these platforms are not where they spend most of their time. Children and young people reporting fraud 1. Nearly two-thirds of CYP told someone about their experience of fraud. The most common person to tell was a parent/guardian, with over half (59%) of survey respondents telling their parent/guardian about their experience. Reporting the fraud to the bank (35%) and Action Fraud (22%) was less common. 2. The most common barrier to reporting fraud was due to feeling that nothing would happen, with 27% stating this reason. Impact of fraud on children and young people 1. CYP reported significant emotional impact as a result of fraud victimisation. Almost half (47%) of survey respondents reported feeling strong emotions such as anger, sadness, fear, frustration as a result of their victimisation; and over a quarter (27%) of survey respondents stated that being a victim of fraud impacted their mental health. 2. Fraud victimisation leads to CYP changing their behaviour. Changing internet use and online activity was a common impact of fraud victimisation amongst CYP, this ranged from being more cautious online with emails, websites and privacy settings to stopping a particular online activity altogether, such as online shopping or online banking.

London: Crest Advisory, 2025. 88p.

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Social media: the root cause of rising youth self‐harm or a convenient scapegoat?

By Helen Christensen, Aimy Slade, Alexis Whitton

Recent events have reignited debate over whether social media is the root cause of increasing youth self‐harm and suicide. Social media is a fertile ground for disseminating harmful content, including graphic imagery and messages depicting gendered violence and religious intolerance. This proliferation of harmful content makes social media an unwelcoming space, especially for women, minority groups, and young people, who are more likely to be targeted by such content, strengthening the narrative that social media is at the crux of a youth mental health crisis.

However, the parallel rise in social media use and youth mental health problems does not imply a causal relationship. Increased social media use may be a correlate, exacerbating factor, or a consequence of rising trends in youth self‐harm, which may have entirely separate causes. Despite its potential negative impacts, social media is also a source of information and support for young people experiencing mental health problems. Restricting young people's access to social media could impede pathways for help‐seeking. This complexity highlights the need for a considered approach.

Recommendations

  • Understand why some individuals are more susceptible to social media harms.

  • Assess alternative explanations for youth self-harm trends.

  • Mitigate artificial intelligence (AI)-related risks.

  • Evaluate interventions that restrict social media and ensure they are evidence-based.

Medical Journal of Australia Volume 221, Issue10 November 2024 Pages 524-526

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Disconnect The Case for a Smartphone Ban in Schools

By Iain Mansfield, Dr Sean Phillips and Niamh Webb

Across the globe, societies are grappling with the dramatic decline in mental health amongst young people – particularly young women. The phenomenon has been particularly notable since the early 2010s and cannot be attributed simply to greater awareness or reduced stigma because of measurable increases in the prevalence of emotional disorders, such as depression and anxiety, or of loneliness, as well as growth in serious mental illness, self-harm and suicide. One important element of the debate is the link between smartphones, social media and mental health – and, accordingly, whether or not mobile phones should be banned in schools. Policy Exchange submitted Freedom of Information requests to 800 primary and secondary schools across the UK to ascertain both the true state of phone bans in UK schools, and whether there was a link between school performance and a school’s mobile phone policy. We found that while the vast majority of primary schools had effective bans, only 11% of secondary schools had effective bans – with others allowing phones to be used in break or lunch, or permitting pupils to keep phones present on them. By examining the results for secondary schools in England, we found that schools with an effective ban were more than twice as likely to be rated Outstanding as the national average. We also found that children at schools with an effective ban achieved GCSE results that were 1 – 2 grades higher (equivalent to a Progress 8 differential of 0.13 – 0.25) compared to children at schools with laxer policies. This was despite the fact that schools with effective bans had a higher proportion of pupils eligible for Free School Meals than schools with less restrictive policies. Smartphones, Mental Health and Schools A range of factors have been suggested as catalysing or hastening the decline in the mental health of children and young people in recent years. Perhaps the most significant hypothesis examined in recent years has been the link between smartphone ownership, social media use and a greater prevalence of mental and behavioural disorders. The most recent work by influential scholars including Professors Jonathan Haidt and Jean Twenge however now suggests smartphones represent a causative factor in declining children and adolescent mental health, necessitating a review of our underlying policy assumptions. As Haidt wrote last year, “skepticism was justified in 2019 but is not justified in 2023.” The case for banning smartphones in schools has similarly been developing. UNESCO has found that 1 in 7 countries globally have policies which ban smartphones in schools. In the UK, the decision on whether or not to ban phones is left to the individual school, although the Department for Education earlier this year issued non-statutory guidance that encouraged schools to implement a ban. Research globally has found correlations between bans and a range of positive outcomes, including reduced bullying, an overall reduction in social media usage, increased healthy play, reduced distraction and improved academic attainment. One former study carried out at schools in four English cities found improved student performance in high stakes exams following phone bans – with the impact particularly strong for the lowest achieving pupils. Overall, the academic evidence of the positive impact of school bans is increasingly suggestive, though not yet conclusive – and it is clear that how effectively a ban is enforced, rather than just the existence of a policy, is critical in whether or not a ban will lead to effective results. It is sometimes said that almost all schools in England have policies banning smartphones. This is correct; however, the Government’s most recent National Behaviour Survey found that 38% of teachers and 57% of pupils said that some, most or all lessons has been disrupted by mobile phones in the previous week. We therefore set out to investigate the true state of smartphone usage in UK schools – and whether there was a link to school performance.

London: Policy Exchange, 2024. 64p.

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No two gangs are alike: The digital divide in street gangs’ differential adaptations to social media

Byt Andrew Whittaker , James Densley and  Karin S. Moser 

Social media provide novel opportunities for street gangs to operate beyond their traditional borders to sell drugs, recruit members and control their territory, virtually and physically. Although social media have contributed to the means available to street gangs today, it does not mean that every gang agrees on their use. Drawing on different perspectives (ex-gang members, law enforcement) on gangs using a multi-method design in a London borough, the current study shows that social media have polarized gangs, resulting in two distinct types of digital adaptation. The proposed division of ‘digitalist’ and ‘traditionalist’ gangs is rooted in Thrasher’s (1927) dictum that no two gangs are alike and explains how some gangs prefer to keep a low profile, thus, avoiding social media use. ‘Digitalists’, by contrast, prefer to use social media as a way to gain reputation and territorial expansion. They use it to brand themselves and to appear attractive for recruits and customers alike. These differences can be theoretically explained firstly as a generational gap, meaning that younger gang members prefer the use of social media; and secondly, by how well established a gang already is, as newer gangs need more attention to establish themselves.
 Computers in Human Behavior Volume 110, September 2020, 106403

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Social Media and Youth Mental Health: The U.S. Surgeon General’s Advisory

By The U.S. Surgeon General
  Social media use by youth is nearly universal. Up to 95% of youth ages 13–17 report using a social media platform, with more than a third saying they use social media “almost constantly.”  Although age 13 is commonly the required minimum age used by social media platforms in the U.S., nearly 40% of children ages 8–12 use social media. Despite this widespread use among children and adolescents, robust independent safety analyses on the impact of social media on youth have not yet been conducted. There are increasing concerns among researchers, parents and caregivers, young people, healthcare experts, and others about the impact of social media on youth mental health.5, 6 More research is needed to fully understand the impact of social media; however, the current body of evidence indicates that while social media may have benefits for some children and adolescents, there are ample indicators that social media can also have a profound risk of harm to the mental health and well-being of children and adolescents. At this time, we do not yet have enough evidence to determine if social media is sufficiently safe for children and adolescents. We must acknowledge the growing body of research about potential harms, increase our collective understanding of the risks associated with social media use, and urgently take action to create safe and healthy digital environments that minimize harm and safeguard children’s and adolescents’ mental health and well-being during critical stages of development. 
  
Washington DC: U.S. Department of Health and Human Services, 2023. 25p.

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Social Media and Youth Mental Health: The U.S. Surgeon General's Advisory

United States. Public Health Service. Office Of The Surgeon General

From the document: "This Advisory calls attention to the growing concerns about the effects of social media on youth mental health. It explores and describes the current evidence on the positive and negative impacts of social media on children and adolescents, some of the primary areas for mental health and well-being concerns, and opportunities for additional research to help understand the full scope and scale of social media's impact. This document is not an exhaustive review of the literature. Rather, it was developed through a substantial review of the available evidence, primarily found via electronic searches of research articles published in English and resources suggested by a wide range of subject matter experts, with priority given to, but not limited to, meta-analyses and systematic literature reviews. It also offers actionable recommendations for the institutions that can shape online environments--policymakers and technology companies--as well as for what parents and caregivers, young people, and researchers can do."

United States. Public Health Service. Office of the Surgeon General. 2023. 25p.

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Busting Outlaw Bikers: The Media Representation of Outlaw Motorcycle Gangs and Law Enforcement in the Meuse Rhine Euregion

By Kim Geurtjens

Whereas outlaw motorcycle gangs (OMCGs) were originally perceived as uncivilized white men grouped around a passion for motorcycles and riding, they have now become increasingly associated with organized crime. Governments have defined them as a crime policy priority, resulting in a broad-scale law enforcement offensive aimed at reducing OMCG-related crime, reducing the number of clubs and chapters, and reducing interclub tension. The way in which the general public perceives OMCGs and the attitude toward OMCGs is largely influenced by media coverage on the subject, and in recent years OMCGs have become a popular topic. As public perceptions, policymaking, and media coverage influence each other, this paper seeks to explore the contemporary representation of OMCGs and law enforcement in the Meuse Rhine Euregion by means of analyzing regional newspaper articles from 2010 up to and including 2016. The theories used for this analysis are Quinn and Koch’s criminality typology and the situational crime prevention framework. Results demonstrate that the public image of OMCGs indeed centers around (organized) crime, and that even when events not involving crime are covered, the newspaper article focuses on law enforcement working toward containing the risks of OMCG-related crime and monitoring motorcycle clubs. The public image of law enforcement measures against OMCGs therefore relies heavily on police actions and, to a lesser extent, on administrative authority reducing not only crime opportunities, but also making OMCG life in general less attractive.

Unpublished Paper, 2019. 23p.

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Youth and Violent Extremism on Social Media: Mapping the Research

By Alava Séraphin, Divina Frau-Meigs and Ghayda Hassan

Does social media lead vulnerable individuals to resort to violence? Many people believe it does. And they respond with online censorship, surveillance and counter-speech. But what do we really know about the Internet as a cause, and what do we know about the impact of these reactions? All over the world, governments and Internet companies are making decisions on the basis of assumptions about the causes and remedies to violent attacks. The challenge is to have analysis and responses firmly grounded. The need is for a policy that is constructed on the basis of facts and evidence, and not founded on hunches – or driven by panic and fear mongering. It is in this context that UNESCO has commissioned the study titled Youth and Violent Extremism on Social Media – Mapping the Research. This work provides a global mapping of research (mainly during 2012-16) about the assumed roles played by social media in violent radicalization processes, especially when they affect youth and women. The research responds to the belief that the Internet at large is an active vector for violent radicalization that facilitates the proliferation of violent extremist ideologies. Indeed, much research shows that protagonists are indeed heavily spread throughout the Internet. There is a growing body of knowledge about how terrorists use cyberspace. Less clear, however, is the impact of this use, and even more opaque is the extent to which counter measures are helping to promote peaceful alternatives. While the Internet may play a facilitating role, it is not established that there is a causative link between it and radicalization towards extremism, violent radicalization, or the commission of actual acts of extremist violence.

Paris: United Nations Educational, Scientific and Cultural Organization, 2019. 168p.

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