Financial-economic cyber-enabled crime (hereinafter: financial cybercrime) has increased dramatically over the past years. However, research on financial cybercrime is still underdeveloped and highly heterogeneous, especially regarding the processes of initiation to and desistance from crime. This paper synthesizes existing knowledge on pathways into, desistance from, and risk factors related to financial cybercrime, and identifies research gaps. Adhering to PRISMA-ScR guidelines, we executed a systematic search and identified 37 eligible documents published as of February 2022, indicating two initiation points into financial cybercrime: involvement in traditional crime, and experiencing strain. Through social learning, individuals then learn the necessary skills and knowledge and engage in financial cybercrime, after which the decision to desist is influenced by a cost-benefit analysis, the use of neutralization techniques, and maturing. As for risk factors, we identified 33, with being male, unemployed, having low self-control and deviant peers, and wanting to earn money quickly being of potential importance. Regarding research gaps, there is a dearth of research related to the initiation and desistance processes of financial cybercrime, and the identified studies lacked a robust research designs, with 76 percent being of low or medium quality. More quality research is needed to address these issues.

近年来，金融经济网络犯罪（以下简称：金融网络犯罪）急剧增加。然而，对金融网络犯罪的研究仍然不发达且高度异质，特别是在犯罪的发起和停止过程方面。本文综合了有关金融网络犯罪的途径、阻止和风险因素的现有知识，并确定了研究差距。根据 PRISMA-ScR 指南，我们进行了系统搜索，并确定了截至 2022 年 2 月发布的 37 份符合条件的文件，表明金融网络犯罪的两个起始点：参与传统犯罪和经历压力。通过社会学习，个人学习必要的技能和知识，并参与金融网络犯罪，之后，停止的决定受到成本效益分析、中和技术的使用和成熟的影响。至于风险因素，我们确定了33个，其中男性、失业、自控力差、同伴不正常、想要快速赚钱具有潜在重要性。关于研究差距，缺乏与金融网络犯罪的发起和终止过程相关的研究，并且已确定的研究缺乏稳健的研究设计，其中 76% 的研究质量为中低水平。需要更多高质量的研究来解决这些问题。