Research by Visa shows that almost three-quarters of people in Ireland (73%) have been targeted by fraudsters sending fake text messages or emails in the past six months. Of these, 38% are being targeted at least once a week. With more of us shopping online than ever before, it’s important that shoppers are aware of the potential signs of fraud. Persuasive language, unusual spelling and grammar are widely recognised as common signs of fraud.
However, new analysis by researchers from the Aston Institute for Forensic Linguistics (AIFL), commissioned by Visa, has for the first time identified the communicative strategies of fraudsters using short, one-off messages. Visa is empowering people to learn about the language of fraud, helping them spot the communicative strategies commonly used by fraudsters and feel confident when shopping online.
‘Click a link’ most common fraudster technique
Amongst the examples of fraud analysed, which included text messages, emails and social media messages, it was discovered that inviting the recipient to click a link was the most common technique (87%).
This was followed by asking the reader to resolve a ‘problem’ (72%), such as rearranging package delivery times or paying a late fee and highlighting unique offers (32%). Supporting these findings, the researchers found ‘click here’, ‘account information’ and ‘gift card’ to be the most commonly used phrases in fraudulent communications.
To better protect customers, Visa has teamed up with researchers from AIFL to analyse the language of fraud and create the ‘Fraudulese Report’, a collection of the most common words, phrases and tactics used by fraudsters in short, one-off messages.
Dr Marton Petyko, Aston Institute for Forensic Linguistics, commented: “Our analysis is the first study of its kind that provides insight into how language is used by fraudsters in short, one-off messages, and is an important contribution to better understanding the things people should look out for when receiving unsolicited messages.
By highlighting the communicative strategies, words and phrases used by fraudsters, we hope people can more easily spot the language of fraud as it stands today, which ultimately helps to protect them.”
Irish Consumers Concerned About Online Fraud
Fraud has become increasingly sophisticated, with senders able to imitate everything from the language commonly used by businesses or organisations to logos and names. Visa’s study1 found that Irish consumers are concerned about being targeted by fraudsters:
· Almost three quarters (74%) of those surveyed say they’re concerned about online fraud
· More than half (54%) are concerned their parents, grandparents or children will be targeted by online fraudsters
· Almost one in ten (9%) returned a missed international phone call, which turned out to be from a fraudster
· However, 42% of survey respondents always delete unsolicited emails and more than one third (34%) check a website’s URL for spelling mistakes before making a payment
Learning About the Language
With fraudsters using various techniques to make themselves appear credible, Visa is encouraging consumers to learn about ‘Fraudulese’, to help them feel confident online.
Dominic White, Country Manager, Ireland at Visa comments: “As more of us shop online, it’s great to know that there are things we can do to keep ourselves safe. Fraudsters can be extremely clever and often it’s difficult to know what’s real and what’s not.
That’s why we’re raising awareness of ‘Fraudulese’ and sharing tips on how to identify the signs so that everyone can have the tools they need to avoid falling victim. Furthermore, when paying with Visa, you can feel confident that your payments are protected, as Visa’s Zero Liability Policy means you won’t be held responsible for fraudulent charges made with your account.“
Visa’s Top Tips for Spotting the Signs of Fraud
1. Spell-check messages – errors in grammar and spelling, or differences between the sender’s name ...