In today’s digital age, identity theft has become more sophisticated, with scammers deploying new tactics like AI-generated scams, deepfakes, and phishing via QR codes. Protecting your personal data online isn’t just about having a strong password—it requires a more layered, vigilant approach.
Strengthening Your Online Security
To protect yourself, start by securing your accounts properly:
- Use Passkeys Instead of Passwords – Many major platforms now support passkeys, a more secure alternative that replaces traditional passwords with biometric or device-based authentication.
- Enable Multi-Factor Authentication (MFA) – This adds an extra layer of security by requiring a second step, such as a text code or fingerprint, before logging in.
- Use a Password Manager – A good password manager can generate and store unique passwords for all your accounts, reducing the risk of credential theft.
- Regularly Update Software – Keep your phone, laptop, and apps up to date to patch security vulnerabilities.
- Be Careful with Public Wi-Fi – If you must use public networks, use a VPN to encrypt your connection and prevent snooping.
Modern Scam Tactics to Watch Out For
Cybercriminals are using AI-generated phishing emails, deepfake phone calls, and fake customer service chats to steal personal data. It’s becoming harder to spot scams, but a few rules can help:
- Verify Unsolicited Requests – If you receive a call, text, or email claiming to be from your bank or another service, don’t reply directly. Instead, contact the organisation through their official website or number.
- Be Wary of Deepfake Voice Scams – Criminals can now mimic voices convincingly. If a “family member” urgently requests money, verify their identity through a separate trusted method.
- Recognise AI-Generated Messages – Many phishing scams now sound more professional, free from spelling errors. Always double-check links and sender addresses before clicking.
Managing Your Digital Footprint
Scammers often collect information from your social media profiles, leaked databases, and public records. Consider lowering your exposure by:
- Avoiding Oversharing Online – Keep personal details like your birthdate, address, and workplace private.
- Using Disposable Email Addresses – Many services allow you to generate temporary email addresses to sign up for websites, reducing spam and phishing risks.
- Checking App Permissions – Some apps collect more data than they need. Limit access to your location, contacts, and camera unless necessary.
New Phishing Techniques: Quishing and Smishing
Quishing (QR Code Phishing) is an emerging scam where criminals send fake QR codes that direct you to malicious sites disguised as login pages for banks or other services. Always check where a QR code leads before scanning it.
Meanwhile, Smishing (SMS Phishing) scams are on the rise, with fraudsters sending fake texts pretending to be from banks, delivery companies, or government agencies. If you receive an unexpected text asking you to click a link, go to the organisation’s official website instead.
Protecting Your Financial Information
Your financial details are a key target for fraudsters. Protect them by:
- Setting Up Transaction Alerts – Most banks allow you to receive instant notifications for purchases, helping you detect fraud quickly.
- Using Virtual Credit Cards – These temporary, disposable card numbers provide an extra layer of security for online purchases.
- Freezing Your Credit – If you’re not planning to apply for loans or credit cards, freezing your credit file can prevent fraudsters from opening accounts in your name.
Monitoring and Early Detection
Regularly checking your credit report can help you spot fraud before it escalates. UK residents can access free credit reports through:
For added protection, CIFAS Protective Registration allows you to place a warning on your credit file, alerting lenders to conduct extra identity checks before opening accounts in your name.
What to Do If You Become a Victim
If you suspect identity theft, act quickly:
- Contact Your Bank Immediately – Report fraudulent activity and freeze affected accounts.
- Report the Fraud to Action Fraud – Visit Action Fraud or call 0300 123 2040.
- Check Your Credit Report – Look for unauthorised accounts or credit applications.
- Change Your Passwords and Enable 2FA – Secure any compromised accounts with stronger security settings.
- Keep a Record of All Actions Taken – Document calls, emails, and reports for future reference.
Final Thoughts
With the rise of AI-powered scams, deepfake fraud, and new phishing techniques, identity theft is becoming harder to detect and prevent. However, by strengthening your security, staying informed, and monitoring your data, you can significantly reduce your risk.