Quote from Fergus McCarthy on October 12, 2025, 1:06 pm

Cyber Expert Reveals the One Trick to Spot if a Call from a Loved One Is Actually a Scam
A simple “safe word” could be the most effective shield families have against AI-powered scammers impersonating loved ones.

The rise of AI voice cloning and deepfake video has made it alarmingly easy for scammers to impersonate loved ones. According to Blue Goat Cyber and the UK’s National Fraud Intelligence Bureau, impersonation scams accounted for over 45,000 reports in 2024, costing victims more than £177 million. Experts warn these numbers could surge as deepfake tools become cheaper and more convincing.

Why a Safe Word Matters

Cybersecurity specialists recommend that families create a unique “safe word” or phrase that only they know. If a loved one calls asking for urgent help or money, the recipient can ask for the safe word. If the caller cannot provide it, it’s a red flag.

Unlike caller ID or even video calls, which can be manipulated, a secret word provides a human-level barrier AI can’t replicate. The key is never to share the safe word via text, email, or social media, as these can also be compromised.

Common Types of AI-Driven Scams

AI technologies have enabled scammers to execute more sophisticated and convincing frauds. Below are some prevalent AI-driven scam types:
AI Voice Cloning Scams: Scammers use AI to replicate a person's voice, often from a brief audio clip, to impersonate them in calls requesting money or sensitive information. In the UK, 28% of adults reported being targeted by such scams in the past year.

Deepfake Video Scams: AI-generated videos can mimic individuals' appearances and actions, leading to fraudulent activities. For instance, a UK engineering firm was deceived into transferring £20 million following a deepfake video call.

AI-Enhanced Phishing Attacks: AI analyses writing styles to craft personalised phishing emails or messages that are more likely to deceive recipients into revealing personal information or credentials.

Impersonation Scams: AI is used to impersonate trusted individuals, such as family members or colleagues, to manipulate victims into transferring money or divulging confidential information.

Fraudulent Online Reviews and Shopping Scams: AI generates fake reviews or counterfeit product listings to lure consumers into making purchases on illegitimate websites.
These AI-driven scams exploit human trust and technological advancements to deceive individuals. It's crucial to remain vigilant and adopt preventive measures to protect against such threats.

Other Protective Steps Families Can Take

Pause before reacting – Scammers exploit urgency. Always take a breath before sending money.

Verify through another channel – Hang up and call your loved one back on their known number.

Use two-factor authentication – Secure emails and financial accounts so fraudsters can’t extend the scam.

Educate vulnerable family members – Older relatives are often prime targets and should be involved in setting the safe word.
“AI-driven scams are no longer a futuristic threat. They’re happening right now. The human brain is wired to trust familiar voices, and fraudsters are weaponising that trust. The moment you hear what sounds like your spouse or child in distress, your logical thinking is overridden by an emotional response. That’s why scams using AI are so powerful.

But families should view this as just one layer of protection. Combine it with practical habits like calling back on a known number, setting strong multi-factor authentication on devices, and educating relatives, especially older ones, about the risk. Deepfake scams thrive on panic and speed. A safe word, coupled with awareness, restores control and ensures that technology doesn’t hijack your instincts. It’s the digital equivalent of teaching your family how to cross the road safely: a simple habit that could save you from disaster,” says Cybersecurity Expert, Christian Espinosa from Blue Goat Cyber.