Author name: Daniel Mercer

The video shows a billionaire entrepreneur, respected financial expert or government official speaking directly to the camera. They describe an

The celebrity looks directly into the camera. They claim to have discovered an investment platform, health product, giveaway or money-making

The person on your screen looks exactly like your manager. You recognize the face, voice, glasses and office background. Two

Your phone rings minutes before the bank closes. The caller sounds exactly like your chief executive. You recognize the voice,

The voice on the phone sounds exactly like your daughter. She is crying. She says she has been in an

The Telegram message arrives without warning: “Hello. I noticed your comment in the investment group. Are you interested in earning

The friend request does not look dangerous. The profile has a friendly photograph, several public posts and perhaps even a

The number on your screen appears to belong to your bank. The caller knows your name, where you live and

The message arrives without warning: “Hi Mum, this is my new number. My phone is broken.” The profile photograph is

The caller knows your name. The message carries a familiar company logo. The website looks professional. The person speaks confidently