The five scams you've never heard of... but could get caught out by in 2024

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Scammers continue to ride roughshod over the 法律, 的ing people with phone calls, text messages, emails, social マスコミ requests and even letters.

Some are 平易な to 位置／汚点／見つけ出す from a mile off, with many of us having been 接触するd by a?Nigerian prince in need of help 埋め立てるing his lost 相続物件, or received a 貧しく-worded email 警告 that at least 574 ウイルスs have been （悪事，秘密などを）発見するd on our PCs.

However, the 広大な 大多数 are not やめる so 平易な to 位置／汚点／見つけ出す, and fraudsters are coming up with new ones all the time.?

によれば 研究 from Which? 株d 排他的に with This is Money, there are five new scams that people should keep a keen 注目する，もくろむ out for this year.

One step ahead: Scammers are ますます making use of 科学（工学）技術 to develop more コンビナート／複合体 methods of duping 犠牲者s

Which? 消費者 法律 専門家 Lisa Webb said: '消費者s can stay on 最高の，を越す of the 策略 used by fraudsters by 調印 up to our?scam 警報s service - which 最高潮の場面s th e 最新の 詐欺s making the 一連の会議、交渉／完成するs.

'責任／義務 should not 落ちる 単独で on the shoulders of 消費者s. Tech 壇・綱領・公約s and the 政府 need to up their game and better 妨げる scammers reaching 可能性のある 犠牲者s.'

Spear phishing

You may have heard of phishing scams, which see scammers send out 本体，大部分／ばら積みの emails 趣旨ing to be from reputable 商売／仕事s, 含むing banks and 政府 団体／死体s, with the hope that a handful of people will 'bite'.?

But fraudsters are now 雇うing a more 的d approach known as 'spear phishing' によれば Which?

They are 妥協ing 犠牲者s' data and using that personal （警察などへの）密告，告訴（状） to make 的d attacks, 納得させるing them that they are the real organisation.

These attacks use data that has 以前 been collected by scammers from 集まり data 違反s, social マスコミ profiles or previous scams.

The idea behind these scams is that the 量 of 研究 behind them will make 犠牲者s believe that the email, text message or phone call must be 合法的.

But real organisations rarely use 冷淡な calls to ask for 極度の慎重さを要する （警察などへの）密告，告訴（状） from their 顧客s, so if you are 自信のない then han g up and call the company 支援する on its 公式の／役人 number.?

警告: Spear phishing uses personal （警察などへの）密告，告訴（状） to make 的d attacks

Tapjacking

Scammers can now ハイジャック（する） your smartphone 審査する, 軍隊ing you to 成し遂げる 活動／戦闘s on your phone without realising.

Tapjacking 作品 by showing an overlay on your phone 審査する which appears clickable.?

But in reality that is 単に an image, which 妨げるs you from seeing what you are 現実に （電話線からの）盗聴 on.

In a 動きやすい game, for example, you may appear to be engaging with game elements, but in fact your clicks are making in-app 購入（する）s, or 調印 you up to a subscription 経由で an invisible 審査する underneath the overlay.

Which? recommends sticking to apps downloaded 経由で sources such as the Apple App 蓄える／店 or Google Play 蓄える／店, and reading reviews before you start 任命する／導入するing.

Quishing

Another phishing spin-off, quishing sees scammers utilising the QR code 科学（工学）技術 that we have all begun to take for 認めるd に引き続いて its 集まり prevalence in restaurants and 妨げる／法廷，弁護士業s during the Covid pandemic.

Scammers use QR codes to lead 犠牲者s to 偽の login pages, where they can take your 詳細（に述べる）s, or make you 調印する up to expensive subscriptions without realising.

In some 事例／患者s, these QR codes are sent 経由で email, disguised as 合法的 communications, often 経由で 以前 妥協d email 演説（する）／住所s.

But there have also been 報告（する）／憶測s of 誤った QR codes 存在 stuck to parking メーターs, which take 犠牲者s to 偽の apps which will then 調印する them up to 高くつく／犠牲の大きい subscriptions.

AI and deepfake scams

The meteoric rise of 人工的な 知能 over the past few years has 転換d the landscape for scammers, 許すing them to impersonate real 発言する／表明するs and even 直面するs.?

As AI continually 改善するs, so to do the 道具s that scammers have at their 処分.

These scams are 存在 ますます 雇うd to spread misinformation, with scammers using AI or deepfake ビデオs to impersonate reputable sources.

In January, the 後見人 設立する more than 100 deepfake ビデオs of Rishi Sunak, which were linked to a mocked-up BBC News page which 促進するd a 偽の 投資.

With 2024 始める，決める to see a 総選挙 in the UK, it is possible that there will be a rise in AI and 深い 偽の misinformation spreading on social マスコミ.

によれば Fa cebook and Instagram owner Meta, it will 任命する／導入する labels to 知らせる 使用者s if a ビデオ has been （悪事，秘密などを）発見するd as AI.

Online 広告s

Last year, the Online Safety 法案 was passed into 法律, but has not yet fully come into 影響.

The 法律 will mean that large online 壇・綱領・公約s will become 責任がある 違法な content hosted on their 場所／位置, 含むing scam adverts.

For now, however, there seems to have been little change によれば Which?

Telltale 調印するs of scam adverts are 申し込む／申し出s that seem too good to be true - because they are - and links that don't match with the advert on 陳列する，発揮する.?

For example, an advert could have been copied from an 存在するing one, but the web 演説（する）／住所 is 偽の.

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