The fraudsters increase intelligence. These are the most common tricks

recently Federal Trade Committee data American consumers show more than $ 10 billion in fraud in 2023 – the highest total registered ever. And with the constantly replaced by the fraudsters and the use of artificial intelligence to make their plans more convincing, it will be difficult for consumers to discover red flags.

He said: “Frauds are different in size and practical, but they all lead to the victim’s participation in a fraudulent process.” Alexander HallIt is a former fraud, confidence and safety in SIFT. “Usually, these operations are used to extract value in four models: identity information, account information, payment information and authorized payments.”

As technology progresses, as is the case for fraudulent tactics they are used to exploit reassuring victims. Here are some of the most popular financial fraud to see.

The most common financial fraud

AI’s impersonation. Through artificial intelligence fraud, fraudsters use artificial intelligence to create a very realistic fake or video messages towards the personality of individuals or trusted organizations.

“These deep fraud can mimic sounds and appearances convincingly, and the victims are deceived to transfer money or detect sensitive information,” he said. Nicooliti HouseCheck Point, the Americas. “In addition, the development of artificial intelligence makes these fraud processes increasingly discovery.”

Email messages and deception. The pumped hunting fraud is when Internet criminals send messages or messages that seem to be from legal sources, such as banks or good reputable companies, to make the recipients click on harmful links or provide personal information. “Attempts to hunt this often create a sense of urgency so that they can pressure individuals to act quickly without verifying the validity of the request,” Nikoliti said.

Investment fraud and encrypted currency. These fraud At a height, taking advantage of the fraudsters looking for quick and easy profits. According to the 2023 coded currency report from the online crime complaints centerThe losses resulting from investment fraud plans for the cryptocurrency increased to the complaints center from $ 2.57 billion in 2022 to $ 3.96 billion in 2023.

With these types of fraud, fraudsters will prepare you with high returns on investments, especially in emerging markets such as cryptocurrencies. “They may use false platforms or impersonate the character of financial advisors to gain confidence,” Nicoliti said. “Once the victims invest, the fraudsters disappear with the money, leaving investors with great losses.”

Technical support support. Technical support fraud occurs when fraudsters pretend to be representatives of technical support from well -known companies, claiming that your device is at risk. “They will convince you of giving distance access to your computer or paying unnecessary programs or services, which may lead to a serious financial loss and steal possible identity,” Nicoliti said.

Romantic fraud operations. Hall said: “Romantic fraud has become the perfect deception, as the bad actor addresses his goal to create a digital relationship through phone calls, video calls, text messages and more.” “Once you create confidence, the bad actor claims that he needs money and leads to the victim’s coercion to send money.”

According to the FTC consumers’ data book, the total losses that were reported in romantic frauds amounted to $ 1.14 billion in 2023, when the average losses for each person amounted to $ 2000 – the highest losses for any form of Antichrist.

So if you are thirsty online, be very careful of these types of deception.

Red flags to watch

Jacob Calvo“There are some gifts that you may deal with with a financial fraud. If you feel a rush message, or have slight contradictions or come from an email address with a vague appearance, you will need to follow caution.

He said: “If it is a deep fraud, you often notice hidden violations such as the mismatch of the lip sync, the abnormal stopping while speaking and strange presence. You can capture it by analyzing the video frame according to the frame.” “Although artificial intelligence adopts perfect e -mail messages, most of them still have very simple contradictions in the tone, strange URL styles or attachments that require immediate downloads.”

How to protect yourself

The most obvious way to become less likely to have online financial fraud is to think before clicking. “If you receive an email or a text message that claims that there is an urgent problem in your bank account or delivery of the package or the prize that you won or a service you use, do not click on any links.” “Instead, please visit the official website directly by writing the address in your browser.”

You will also need to take concrete steps to protect your accounts. Start by creating strong and difficult passwords for each site. Yes, it is annoying to remember multiple passwords, but using the same place makes you an easy goal. To facilitate your life, Nicoletti suggests installing the password manager on your device to store your passwords safely.

For more safety, you will also need to enable two steps checking on your important accounts. “Just make sure that your phone can receive text alerts or email for password changes,” Nicoliti said.

If you are asked to prepare safety questions when creating an online account, do not use clear answers. Instead, Nicoletti recommends using unrelated answers to make it difficult to guess. For example, if the question is “Where did you get?” Make the answer something like “green”, so that the fraudster is less likely to guess it properly because it does not make sense.

Ways to enhance your safety online

Nicoletti also recommends taking the following steps to enhance your protection online:

• Prepare alerts on your accounts to inform you of changes
• Please visit Habeenpwned.com to see if your email or passwords have been leaked
• Install the anti -virus program such as Zonealaarm and routinely wipe your devices
• Use VPN when browsing online to keep your private connection
• Change the default password on your router and make sure to use Wi-Fi a strong password
• Never provide sensitive information such as social security numbers, bank details, text, or social media messages
• Use fingerprints or facial recognition on your mobile devices
• Use the hide mode when browsing sensitive sites
• Enabling popup blockers to prevent harmful ads from appearing
• Avoid storing passwords directly in your browser

It may be a victim of financial fraud very devastating because it draws years of your hard work and your savings in a moment. So, if you weren’t really, it took some time to go to the steps mentioned above to protect your money.

And remember: If something looks very good to be correct, it is likely that it is.