“Hi Mom,” the opening message states. “I’ve misplaced my phone.” It unfolds into a distressing narrative: somehow, the sender has also been locked out of their bank account.
Fortunately, friends usually have access to phones. It was through their device that the message was revealed. Alternatively, they might request assistance with rent or direct payment to their landlord or for any urgent bills that have surfaced.
Messages can arrive via WhatsApp or text. Scammers don’t always impersonate children; they might pose as friends or even parents.
Data from Santander indicates that among bank customers, the impersonation of a son is the most effective scam, followed by a daughter, then a mother.
Chris Ainsley, the head of fraud risk management at the bank, notes that fraud is progressing at “broken speeds.” He remarks, “AI voice impersonation technology is now being utilized to create audio messages for WhatsApp and SMS, enhancing the realism of fraud.”
What does fraud look like?
WhatsApp ‘hi mum’ text scam screenshot. Photo: Santander
A seemingly friendly message from someone claiming to be close to you often comes from unknown numbers. If you don’t reply, they may persist before giving up. If you do respond, the scammer will typically engage in conversation but often with vague details.
They will quickly claim to need urgent funds for something and pressure you to act swiftly.
The “sender” may allege that their regular bank account has problems, instructing you to send money to an unfamiliar account.
WhatsApp ‘hi mum’ text scam screenshot. Photo: Santander
What the message asks for
money. They’ll claim they urgently need cash to buy a new phone or for living expenses.
WhatsApp ‘hi mum’ text scam screenshot Photo: Santander
The bank details they provide will likely belong to someone else. They will claim it belongs to “friends” or someone they owe, and the amount requested is usually not a round figure. These accounts belong to scammers or third parties used as money mules.
What to do
If you suspect that a loved one is in actual trouble, verify the situation. Reach out using their usual number. Don’t be alarmed if they don’t reply immediately.
You can ask questions that only they would know the answers to.
To protect yourself against future scams, consider establishing a family password that can be requested to confirm the sender’s identity.
WhatsApp ‘hi mum’ text scam screenshot Photo: Santander
If you have sent money, contact your bank right away to see if you can halt the transactions.
You can report suspicious WhatsApp messages through the app. Simply select the message and choose to report it.
Fraudulent texts can be forwarded to 7726 to report them to your telecommunications provider.
Early risers catch worms, but night owls are more susceptible to depression. A recent study suggests that individuals who prefer staying up late are more likely to experience depressive symptoms.
Research conducted by the University of Surrey reveals that this could be due to the fact that night owls often struggle with poor sleep, exhibit lower levels of mindfulness, and tend to consume more alcohol compared to early birds.
“Late chronotype, also known as ‘eveningness’ or ‘night owl,’ refers to a biological inclination to be active in the evenings and have a later sleep-wake pattern,” explained Cognitive Neuroscience Lecturer Dr. Simon Evans, who led the study, as reported by BBC Science Focus. “Since chronotypes have a genetic basis, being a night owl is a natural biological predisposition.”
Evans and his team surveyed 564 university students on their sleep habits, mindfulness levels, alcohol consumption, as well as their levels of depression and anxiety, which reflect tendencies towards negative thinking about situations and events.
“Late chronotypes are particularly prevalent among young adults, with up to 50% of young adults falling into this category,” noted Evans. “This is concerning as delayed chronotypes are associated with a higher risk of depression, anxiety, and substance use.”
The study confirmed that night owls were significantly more prone to developing depression than early birds and reported higher levels of anxiety.
Students with later chronotypes reported poorer sleep quality compared to early risers, which researchers attributed to “social jet lag.”
“Being a night owl is common among young adults,” said Evans. “Given the importance of mental health in youth, work and educational schedules should accommodate night owls for improved sleep.”
Our preference for morning or evening routines is largely influenced by genetics, with younger adults more likely to prefer later schedules, while older adults tend to be early risers. – Credit: rawpixel via Getty
Furthermore, individuals with a delayed chronotype tended to consume more alcohol, a known risk factor for depression. However, the study did not find a direct association between alcohol consumption and depression among the students involved.
In fact, night owls who consumed alcohol were less likely to experience depression than non-drinkers, although most students consumed alcohol in moderation. Researchers suggest that the social connections formed during drinking may offset the negative effects.
Evans also recommended strategies for night owls to protect themselves from depression, including promoting mindfulness through practices like guided meditation, focusing on improving sleep quality, and reducing alcohol consumption.
This study was recently published in the scientific journal PLOS 1.
Read more:
About our experts:
Dr. Simon Evans is a senior lecturer in cognitive neuroscience at the Faculty of Psychology, University of Surrey. He obtained his PhD from the Institute of Neurology, University College London in 2011 and conducted postdoctoral training at the University of Sussex, where he used MRI techniques to study how genetic factors impact brain activity patterns and cognitive performance. Evans’ primary research interest lies in utilizing brain imaging techniques to explore cognitive changes across the lifespan.
In his thought-provoking opinion piece “Robots Fired, Screenings Cancelled: The Rise of the Luddite Movement Against AI” on July 27th, Ed Newton-Rex overlooks a significant concern regarding artificial intelligence: surveillance. Governments have a history of spying on their citizens, and with technology, this surveillance capability is amplified.
George Orwell’s novel 1984 depicted a world where authorities used two-way telescreens to monitor individuals’ actions and conversations, similar to today’s digital control systems powered by electronic tracking devices and facial recognition technology. These systems allow for the collection of personal information, enabling prediction and control of behavior.
There is currently no effective method proposed to safeguard privacy against increasing state intrusion. Without this protection, the public sphere may diminish as individuals require a private space free from surveillance to think without fear of consequences.
• Regarding Ed Newton-Rex’s article on artificial intelligence, a key distinction lies between AI used for practical purposes like medical diagnosis and AI employed in cultural creation. While AI can enhance art and writing, issues arise when these systems produce subpar imitations of creativity at the behest of uninformed individuals.
There is a risk of downplaying human creativity and undermining the value of art and legitimate AI if AI is perceived as equal or superior in creativity.
• Newton-Rex highlights a crucial point, but the main threat posed by artificial intelligence is its potential to alleviate the need for critical thinking. Homo sapiens may evolve into passive consumers of entertainment, relinquishing the cognitive burden of thinking.
o Do brochures from companies you've never heard of regularly land on your doormat with a thud? These junk mail deliveries can reveal how the sender got your name and address, and who you are. You may wonder if your personal information is being shared without your permission.
One Guardian Money reader got in touch with fashion retailer Boden after she was bombarded with unsolicited posts when she placed her first order. Within weeks, she was sent catalogs from more than a dozen luxury brands selling clothing, food, and furniture, from Me+Em to The Fold to Biscuiters to Daylesford Organic to Loaf.
“There could be people who knew my address and sent me endless catalogs of bulky, environmentally unfriendly clothing that I would never buy,” she says. “I felt like someone was very careless with my privacy.”
“legitimate interest”
If you're seeing a growing pile of catalogs, the retailer you used may have passed your address to a data broker.
This legal trading of personal information is big business, involving companies ranging from huge multinationals to small British companies. Some perform simple activities such as collating and selling lists of names and contacts. Some combine multiple data sources to create rich profiles of individuals that may be considered intrusive.
The way businesses capture and use personal data (information such as name, email address, address and telephone number) is governed by UK data protection as set out in the General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Managed.
Have you ever wondered how the sender of your catalog got your name and address? Photo: Alicia Kanter/The Guardian
The Information Commissioner's Office (ICO) says that to comply, organizations need to be upfront and tell people what they want to do with their data. This includes whether you plan to use a data broker service to obtain additional information or perform profiling. You also need to notify people if you plan to share their data with data brokers. “Organizations must clarify the purpose of processing and identify the data. legal basis for processing,” the ICO said.
“In the context of data brokerage, the commonly referred legal bases are consent and legitimate interests.”
This is why the words “legitimate interest” and “consent” often feature prominently in company website privacy notices.
Andrew Northage, a partner at law firm Walker Morris, said the first clause typically covers marketing, saying: “It is reasonable for retailers to promote their products and services; “This is to avoid having a strong negative impact on customers.”
Where direct marketing is carried out electronically (including by telephone, email and messaging) rather than by post, the Privacy and Electronic Communications (EC Directive) Regulations 2003 also apply, Northage said. Here, the only legal basis for data sharing is consent.
“Customers should read the retailer's privacy notice to see if it offers to share data with third parties for marketing purposes,” he advises.
They should “only consent to this sharing if they are clear about what they are consenting to.”
prospect pool
among them Privacy notice Borden said it collects personal information “just like when you shop online.” “So we can send you a tailored offer for something you actually want, like that spotted raincoat.”
The company also said it may share users' names, addresses and “order details” with data brokers Epsilon and Experian, which “manage lead pools on behalf of UK retailers.” There is.
Managed by Epsilon (part of French advertising group Publicis). Abacus Alliance. This is a large database where over 250 participating catalog retailers and multichannel retailers share the names and addresses of their shopping customers, so other members can target them with mailshots. I can.
A “lead pool” is, as the name suggests, a collection of potential customers. Analysts, or more recently, artificial intelligence software, comb through this data to identify purchasing patterns. As a result, your name may be given to a company that appears to be selling what you want to buy.
There is no suggestion of wrongdoing by Borden or Epsilon.
Have you ever wondered what personal information is collected when you shop online? Photo: Yui Mok/PA
Borden says “We strictly comply with data protection regulations. ”Additionally, “Customers can opt out of marketing at the time of purchase, through the marketing settings in their account, or through our customer service team. .”
Readers traced the source of the junk mail to the Abacus Alliance. “I called and was told it would be six months before deliveries would stop,” she said.
If you are in a similar situation and would like your personal data removed from our database, you can: fill out the form Please contact us via our website by calling 020 89438049 or nomail@epsilon.com.
The ICO says it has received a small number of complaints regarding Epsilon and Abacus Alliance in recent years, but has “determined that there is no further action to take in response to these complaints and is now closing the process.” he added.
Please refrain from spam mail
If you are unhappy with the amount of junk mail you receive, there are several things you can do to remove your name from the broker's database.
free Mail priority service (MPS) allows you to opt out of unsolicited personal email.
Russell Roach, head of preference services at the Data Marketing Association (DMA), which runs MPS, suggests that if you receive an unwanted catalog, you should first contact the company directly. “Send a letter or email to the company and ask them to remove your personal data from their records and affiliates,” he says. “Tell me how you feel about receiving all this junk mail.
“Register with MPS and we will do it for you. Our website says: Complaints section Here, we ask you to scan or send the email you receive. My team will then contact the organization and give you 14 days to respond.
“When we talk to this organization, we argue that emailing only those who want to receive information saves time and money and reduces waste.”
There are several ways to prevent receiving unsolicited email. Photo: Martin Argules/The Guardian
If you want to take it a step further, you can contact the Information Commissioner's Office, which has its own complaints process.
When signing up for a new product or service, the important things to look for are the boxes that are pre-checked. “You can check the box to say, 'I understand the terms and conditions,' but there's also a checkbox that says, 'Are you sure you want to transfer your data to some of our affiliates that offer similar services?' Sometimes it’s pre-checked,” says Roach. Uncheck this box to avoid unnecessary contact.
A growing number of companies, like DeleteMe, delete personal information sold online in exchange for a subscription fee (in this case £115 a year).
“DeleteMe exists to save people the time and headache of figuring out how to opt out of all these marketing schemes and data broker databases,” said Rob Shavel, CEO of the company. Masu.
“Hopefully, the result will be less direct mail, less spam, less robocalls, less phone calls, and less marketing that is unpleasant to you and offers little benefit to you personally.”
A new study shows that searching online to evaluate news can actually increase beliefs in misinformation, especially when search engines return low-quality information. This highlights the need for better media literacy programs and improved search engine responsiveness. Credit: SciTechDaily.com
Alarming research findings demonstrate the limitations of using recommended procedures to debunk false content.
Conventional wisdom holds that searching online to assess the veracity of misinformation can lead to less belief in that information. But a new study by a team of researchers shows that the opposite is happening. This means that searches are actually taking place to assess the veracity of false news articles. To increase Probability of believing false information.
The results of this study will be published in the journal today (December 20th) Nature, provides insight into the impact of search engine output on users. This is a relatively under-researched area.
How search engines influence users’ beliefs
“Our research shows that the act of searching online to evaluate news increases beliefs in misinformation, which is very common and by a significant amount.” new york universityCenter for Social Media Politics (CSMaP) and one of the authors of this paper.
The reason for this result may be explained by the search engine output. Researchers found that this phenomenon was concentrated among individuals for whom search engines returned low-quality information.
“This means that ‘data gaps’ (areas of the information ecosystem dominated by low-quality or outright false news and information) play a significant role in the online search process, leading to poor search results. “The danger is that you may see reliable or, even more alarmingly, unreliable information at the top of search results,” said lead author and University of Central Florida professor said Kevin Alette, assistant professor and CSMaP faculty researcher.
Methodology and focus of nature research
The newly published Nature Aslett, Sanderson, and their colleagues studied the effects of using online search engines to evaluate false or misleading views. This approach is recommended by technology companies, government agencies, and others.
To do so, they recruited participants through both Qualtrics and Amazon’s Mechanical Turk (a tool frequently used to conduct behavioral science research) and conducted a series of five experiments. Its purpose is to measure the impact of common actions. i.e. Searching and Evaluating News Online (SOTEN).
Investigating online search behavior and its impact
The first four studies tested the following aspects of online search behavior and impact:
The impact of SOTEN on believing both false or misleading news and true news within two days of article publication (popular fake articles included articles such as: COVID-19 (new coronavirus infection) vaccines, Trump impeachment proceedings, climate change, etc.)
Does the effect of SOTEN change individuals’ evaluations of the truthfulness of news articles?
blue sky effect Month After publication
The impact of SOTEN on recent news about salient topics with important news coverage – in the case of this study, news about the Covid-19 pandemic.
The fifth study combined survey and web tracking data to determine the effects of exposure to both low- and high-quality search engine results on misinformation beliefs. By collecting search results using a custom web browser plug-in, researchers were able to determine how search results were displayed. quality These search results can influence users’ beliefs about the misinformation being evaluated.
Source credibility ratings for this study were determined by NewsGuard, a browser extension that rates news and other information sites to help users evaluate the trustworthiness of content they encounter online.
Conclusion and recommendations
Across five studies, the authors found that the act of searching online to evaluate news led to a statistically significant increase in belief in misinformation. This occurred either immediately or months after the incorrect information was published. This finding suggests that the passage of time, and the ostensible opportunity for fact-checking to enter the information ecosystem, does not reduce the impact of SOTEN, which increases the likelihood of believing a false news article to be true. Additionally, a fifth study showed that this phenomenon is concentrated among individuals for whom search engines return low-quality information.
“The findings of this study underscore the need for media literacy programs to ground recommendations in empirically tested interventions and the need for search engines to invest in solutions to the challenges identified in this study.” ” concludes Joshua A. Tucker, professor of political science and co-director of CSMaP. of the author of the paper.
Reference: “Online searches to evaluate misinformation may increase perceptions of its truth,” December 20, 2023 Nature. DOI: 10.1038/s41586-023-06883-y
Other authors on the paper include William Gaedel and Jonathan Nagler of New York University’s Center for Social Media Politics and Nathaniel Persily of Stanford Law School.
This research was supported by a grant (2029610) from the National Science Foundation.
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