RESOURCES & GUIDES
Digital Safety Resources
Practical guides, scam prevention strategies, and expert insights to support your online journey.
AI, Scams, and Your Life Savings: How We Can Protect Our Most Vulnerable
Explore the human cost of AI scams targeting seniors and youth, Singapore's top-down regulations, and actionable ACT defense protocols.
Lessons on Risk, Regulation, and AI Scams with Gary Ang
From MAS risk governance to creative industry development, Gary Ang breaks down what Singaporeans need to understand about digital threats and AI.
Beyond Financial Loss: Restoring Your Mental Well-being After a Scam
Understand the psychological impact of fraud, dismantle shame, and learn actionable steps to recover emotional well-being.
Singapore is a High-Trust Society: Is That Becoming a Vulnerability?
Explore how high institutional trust is exploited by impersonation scams, and why active verification safeguards public confidence.
Managing Risk and Fraud: Why Banking Regulations Alone Cannot Stop Scams
Understand why institutional banking regulations cover system integrity rather than human manipulation, and how a dual defense protects your funds.
DEFENSE GUIDE
Spot the signs. Take control.
Combine daily behavioral vigilance with active technical safeguards using Singapore's ACT Framework.
ADD
ScamShield app & Bank Money Locks to shield your funds.
CHECK
Official sources like MAS Alert Lists and official bank hotlines.
TELL
Report suspicious activity immediately to authorities and family.
Phishing Messages & Calls
WARNING SIGNS
- An urgent link about a parcel, bank account alert, or unpaid fine.
- A phone number or web address that is almost — but not quite — official.
- High pressure to act immediately 'within 24 hours' to avoid account suspension.
Your Move (ACT Defense):
- ADD: Install ScamShield to automatically block known scam numbers and malicious SMS messages.
- CHECK: Never tap SMS links. Open official apps directly or call hotlines printed on physical cards.
- TELL: Report suspicious links to police and notify your bank if credentials were entered.
Job & Task Scams
WARNING SIGNS
- Unusually high pay for simple online tasks like liking posts or reviewing products.
- Recruiter insists on communication entirely over WhatsApp or Telegram.
- Requesting to download custom app files (.APK) via external links outside official app stores.
- Demanding a deposit or 'top up' payment to unlock accumulated earnings.
Your Move (ACT Defense):
- ADD: Enable strict app installation security on your device to block unauthorized .APK files.
- CHECK: Real employers never ask you to pay money first or install unverified app files.
- TELL: Warn friends and family about unsolicited job offers received on messaging platforms.
Investment Scams
WARNING SIGNS
- Guaranteed or unrealistically high, risk-free investment returns.
- Exclusive private chat groups (Telegram/WhatsApp) posting screenshots of massive profits.
- Withdrawals are blocked until you pay an extra unexpected 'tax' or 'processing fee'.
Your Move (ACT Defense):
- ADD: Enable Bank Money Lock features to isolate core savings from online transfer attempts.
- CHECK: Cross-reference entities on the MAS Investor Alert List before transferring funds.
- TELL: Alert financial authorities and your bank immediately if an entity refuses withdrawals.
E-Commerce & Rental Cheats
WARNING SIGNS
- Deals or rental rates listed far below prevailing market prices.
- Sellers insisting on direct bank transfers off-platform to 'secure' the item.
- Requests to install non-official app packages (.APK) to browse catalogs or schedule viewings.
- No physical property viewings allowed or refusal to verify real addresses.
Your Move (ACT Defense):
- ADD: Use Bank Money Locks and rely on official platform-protected checkout mechanisms.
- CHECK: Verify property details in person and stick strictly to official app stores.
- TELL: Report suspicious listings directly to marketplace admins to protect other buyers.
Authority & Deepfake Impersonation
WARNING SIGNS
- Calls claiming to be from police, MAS, or tax officers demanding urgent fund transfers.
- Urgent distress calls using cloned AI voices of family members requesting immediate cash.
- Threats of legal arrest or prosecution if you hang up or consult anyone else.
Your Move (ACT Defense):
- ADD: Add official agency hotline numbers and family emergency contacts to your speed dial.
- CHECK: Government officials will NEVER ask for money transfers over the phone. Hang up and verify.
- TELL: Inform family members immediately to confirm their safety when receiving voice distress calls.