Abstract
Phishing emails are causing enormous financial losses for both businesses and individuals. One key element that increases phishing emails success is users. Understanding users who become victims to phishing emails will help in reducing success rate. Our study uses quantitative approach in attempt to understand key factors that affecting users' vulnerability to phishing emails. Identified factors are compared across cultures mainly: Malaysian, Australia, and Saudi Arabian cultures. The main goal of our study is to find culture impact on users' vulnerability. Our results indicate that users' vulnerability to phishing emails is different across cultures. It can be said that there are factors that have the opposite impact in different cultures, while other factors have the same impact despite culture differences.