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AI‑enabled scams grow more sophisticated, with prevalent patterns that exploit deepfake impersonation, automated social engineering, and synthetic identities to hijack payments, credentials, and personal data. Effective defenses center on verification and friction: confirm identities via trusted channels rather than links or caller IDs, enable multi‑factor authentication and passkeys, avoid rushed transactions and gift‑card or crypto payments, use reverse‑image and number lookups, keep devices and browsers updated, and set up account alerts so suspicious activity is caught quickly before funds or access are lost.