Story

If we strip away all the buzzwords and terminology, fraud can be defined very simply: one person dishonestly misleads another to that other's detriment.

It doesn't matter what name it's given, or what technology is used, that is the essence of fraud.

Fraud happens in three stages: approaching a target, engaging the target and extracting value.

Everything else you read or hear is just a variation on one of those.

The world talks about "vulnerable people" and then it overwhelms them with forceful presentations and complexities.

In 1999, in The Use and Abuse of the Internet for Fraud and Money Laundering, an academic paper published in the UK and presented in York and Kuala Lumpur and now available at ResearchGate, Nigel Morris-Cotterill explained that the internet is like a town: it has dark and dangerous places. We need to identify risks before they become threats. And, as he demonstrates in SAFE WORD: NO, we, and those we care for, can do that.

We know that the young and the elderly don't want to be lectured to: they don't really pay attention when a policeman, a lawyer or even a social worker or teacher make a presentation. We know that they see so many headlines about online fraud that they have become commonplace and have little effect. The challenge is to make awareness of risk part of everyday life.

So, decided Nigel Morris-Cotterill, a financial crime risk strategist for 30 years, what we really need is to make the topic one of everyday, ordinary, routine conversation. And the best way to do that is to provide the middle generation - those concerned for both their children and their parents - the information they need to hold conversations, not set pieces, with their loved ones, conversations that can arise naturally.

Fraudsters have one basic objective: to get to "Yes." We need to instil a sense of caution, a readiness to say "no" - which is something that many people are uncomfortable with.

Laden with examples of the language, mechanisms and tecniques used by fraudsters, drawing attention to how fraud developed on an industrial scale during the CoVid-19 pandemic and how that development has not only not slowed down but how recent technological development has put powerful new tools into the hands of criminals, SAFE WORD: NO does not delve into the technological netherworlds : instead it explains the risks. "Those who want more technical material can easily find it: to put it into this book would have turned off many of the people it is aimed at", said Morris-Cotterill.

It's aimed at ordinary people who are concerned about their families and others they care for.

But it's also for everyone because, as a result of that industrialisation, everyone is vulnerable, not only the young and the elderly.

SAFE WORD: NO by Nigel Morris-Cotterill is available via Amazon group websites wordwide.

The fraudster can't win if the victim won't play the game.

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