Cybercrime and digital fraud are escalating globally, with authorities warning of new and evolving scams targeting smartphone users and bank customers. In the United States, U.S. authorities and cybersecurity experts have reported a surge in attacks attributed to Chinese hackers, including a campaign disclosed in December, as well as user lapses contributing to a mobile security crisis. These attacks often seek to access personal data, texts, and phone conversations. The FBI has reported a sharp increase in digital scams, with tech support scams in Massachusetts rising from less than $1.2 million in reported losses in 2019 to over $50 million last year, making the state second per capita nationally. Text scams have become widespread, with the Federal Trade Commission reporting that Americans lost $470 million to such schemes in 2024. There has been an 86% year-over-year increase in U.S. adults targeted by phone, email, and text scams. Common methods include impersonating banks or government authorities via calls, emails, or SMS to obtain sensitive information or prompt fraudulent transfers. 'Smishing' uses text messages to deceive users into clicking malicious links or providing personal data. In Spain, law enforcement has warned about the 'Bizum inverso' scam, which has resulted in over 200 victims and led to 16 arrests, with losses totaling €500,000. This scam exploits payment request features in mobile banking apps. Another case, the 'hijo en apuros' scam, led to a loss of €12,000 for a victim in Lanzarote after criminals impersonated a family member in distress via messaging applications. Authorities and cybersecurity experts urge users to verify the authenticity of messages from banks or government agencies, avoid clicking on suspicious links, and never share personal or banking information through unsolicited communications. Users are also advised to report suspicious messages and use security tools such as antivirus software and two-factor authentication.