欺诈与诈骗：在移动世界中保持安全.pptxVIP

FraudandScams:

StayingSafeintheMobileWorld

February2025

1.

ExecutiveSummary

3

2.

Backgroundandintroduction

7

3.

Commonfraudtypes

3

4.

UnderstandingSocialEngineeringFraud

11

5.

Impactandconsequencesforconsumersandsociety

13

6.

Aninternationalthreat

15

7.

Countermeasures

19

8.

Referencesandfurtherreading

25

Contents

1.

ExecutiveSummary

Theglobalfinancialcostofcybercrime,includingfraud,isprojectedtobeUSD15.63trillionby2029.Theoutcomeofthisthreatforconsumerscanbe

significantfinancialloss,considerableemotionaldistress,andtheerosionof

trustindigitalservices,creatingabarriertotheadoptionofbeneficial

technologies.Despiteefortsbyindustrytopreventfraud,criminalshavefoundawaytobypasstechnicaldefencesandtargettheweakestlinkthrough‘socialengineering’-humanbehaviour.Socialengineeringinvolvesthemanipulationofindividualsresultinginthemmakingafinancialtransactionorsharing

personalinformation.Variousmethodsareusedincluding‘phishing’whichareemailsthatcontainlinksdirectingvictimstoafakewebsite,or‘romancefraud’whereapersonistrickedintoafakerelationshipwithascammer,ultimately

makingfinancialpaymentstothem.

Thefollowingisaveryfamiliarscenario:

Verycommonfraudscenario:Anolderindividual,

let’scallherEmma,isreasonablyfamiliarwith

technologyandhasasocialmediaprofilethat

herrelative,helpedhersetupsoshecouldstay

connectedwithfamilyandfriends.Herrelativealso

assistedwithsettinguponlineshoppingandbankingthroughherbank’sapp,whichusedfacialrecognitionforsecurity.

Oneday,Emmareceivesacallfromsomeone

claimingtobeabankrepresentative.This

“representative”informsherthatanumberofbankaccountshavebeencompromisedbyfraudsters,andheraccountisoneofthem.Tosecureherfunds,therepresentativeexplainsthatanewaccounthasbeencreatedandaskshertoquickly