According to the Banque de France, fraud involving user manipulation, such as scammers impersonating bank advisors over the phone, decreased in the first half of 2024. However, the overall landscape of payment fraud remains concerning, as cybercriminals are increasingly exploiting e-skimming and e-commerce scams. The FBI has issued warnings regarding advanced email phishing techniques, particularly highlighting the risks associated with specific phrases that could indicate scams. While the incidence of 'spoofing' has declined, experts caution that new strategies employed by fraudsters necessitate ongoing vigilance among consumers.