Perceiving Digital Threats and Artificial Intelligence: A Psychometric Approach to Cyber Risk

The rapid digitalization of work and daily life has introduced a wide range of online threats, from common hazards such as malware and phishing to emerging challenges posed by artificial intelligence (AI). While technical aspects of cybersecurity have received extensive attention, less is known about how individuals perceive digital risks and how these perceptions shape protective behaviors. Building on the psychometric paradigm, this study investigated the perception of seven digital threats among a sample of 300 Italian workers employed in IT and non-IT sectors. Participants rated each hazard on dread and unknown risk dimensions and reported their cybersecurity expertise. Optimism bias and proactive awareness were also detected. Cluster analyses revealed four profiles based on different levels of dread and unknown risk ratings. The four profiles also differed in reported levels of expertise, optimism bias, and proactive awareness. Notably, AI was perceived as the least familiar and most uncertain hazard across groups, underscoring its salience in shaping digital risk perceptions. These findings highlight the heterogeneity of digital risk perception and suggest that tailored communication and training strategies, rather than one-size-fits-all approaches, are essential to fostering safer online practices.