Scam Savvy week is all about helping New Zealanders feel safer online. BNZ have provided the following key points to make sure we are all well informed on the type of scams out there and the sign's to be aware of.
What is a scam?
Scams are dishonest and deceptive attempts to trick you into giving away your money, login credentials, credit card details, or personal information. In business, it could be the personal information of your customers or you as a business owner or operator. There are many common scams that target all sizes and types of businesses. If businesses can recognise their vulnerabilities and train their team, there is less chance of falling victim to a scam.
Types of scams
Scams can come in many different forms from many places:
- Phone calls
- Online shopping
- Text messages
- Mail addressed to you
- Letterbox drops
- Social media posts & messages But more commonly in business they are:
- Invoice scams via email
- CEO scams
- Technical support scams Types
Signs that something might be a scam
- The deal is too good to be true.
- The scammer wants you to take action quickly.
- The scammer wants you to share personal or financial information.
- The website isn’t secure and there are no contact details.
- It contains links directing you to confirm information or login to a service.
- Poorly written communications with spelling and grammar mistakes.
- The scammer has asked you to keep the question or communication to yourself.
What is phishing?
Phishing is an attempt (usually via email) to steal an individual’s personal or banking information.
Phishing emails usually appear to come from a well-known organisation and will ask for details such as bank card numbers, account numbers, or passwords.
What you can do
- Never click on a link or attachment in an email from someone you don’t know or aren’t expecting.
- You could hover over a link (be careful not to click on it) to reveal the link’s true destination. On a mobile phone, tap and hold to preview links.
- If you receive emails from a person you know, but they’re asking for financial payments or acting out of character, always call that person to verify that the email is from them.
- Be wary of urgent requests for personal information, log-in details, or financial payments.
- Look out for emails not addressed to you personally.
- Be wary of poor spelling or grammar in emails as these can be indicators of scams.
I hope the above has provided an insight of what’s happening out there at the present point in time.