Your phone rings, you pick up and say hello. On the other end: total silence. No one answers, and the call abruptly disconnects. If you don’t already use spam call blockers, you’ve almost certainly run into this situation before.

In most cases, these are scam calls. Today, we explain why these calls happen, what the callers want from you, and how to protect yourself. Most importantly, we’ll look at whether you even need to bother protecting yourself against them in the first place.

Who’s calling?

It’s not just scammers on the line — robots, legitimate call center operators, and ordinary folks make these calls too. Let’s break down each type of caller — ordered from best-case to worst-case scenario for your security.

Actual person

The most harmless scenario is that an actual person called you, but their microphone is acting up. Maybe they accidentally muted themselves with their ear, or their smartphone connected to a Bluetooth headset, speaker, or car system that isn’t capturing their voice. Carrier glitches can also mute one side of a call. The caller might have no idea there’s a problem — as far as they know, they are speaking, but no one can hear them. In cases like this, you usually recognize the incoming phone number.

If the call comes from an unknown number, there’s still no need to panic — though the list of those who might be calling gets much longer.

One legitimate possibility is a call center agent who simply didn’t pick up or connect their headset in time. Call center systems are designed to dial numbers faster than agents can wrap up their calls. The system tried to route the call to a human, but no reps were available. That’s why you sometimes have to wait a few seconds before hearing a single word, or why you might hear ringing tones as if you were the one making the call.

Robot or AI

Silence on the line is a common sign of robocalls. Robots test whether a phone number is active and, if it is, pass it along to a human — meaning a real sales rep (or scammer) will call you back in the next few days. It’s worth noting that scammers aren’t the only ones making these pinging calls. Legitimate call centers use the exact same tools to reduce the workload on their live agents.

An AI agent could also be behind the silent call. To the person answering, there’s no practical difference: the call looks identical to one made by a standard bot. However, AI can do more than just auto-dial numbers — it can analyze your response and use that data to decide whether your number is active and ready to be handed off to a live person for follow-up.

Unwanted caller

Now we get to the real threat. Perhaps one of the most dangerous and unpleasant sources of silent phone calls is a scammer. A quick, silent call like this can actually be the groundwork for a long, elaborate attack with cover stories about loans, government agencies, other fraudsters, even law enforcement.

Debt collectors might also be calling and staying quiet. Your number could end up on their radar if you, your family, or close contacts have outstanding debts. In these cases, a silent call is often used as a tactic for psychological pressure.

A similar technique is used in stalking. While silent calls cause no direct harm on their own, they can be leveraged to induce anxiety, create a feeling of being constantly watched, and cause ongoing emotional distress.

Why do they call and stay silent?

When you pick up, you likely respond out of habit with a quick “Hello?” or “Hi there.” That’s all it takes for the other party to gather a wealth of data. While this information used to be difficult to process, the rise of artificial intelligence has made the task significantly easier. Let’s look at what someone can learn about you from just one spoken word:

• Region, accent, and location. Scammers are sophisticated and cunning. Their tactics are often tailored by region — targeting residents of specific countries or even regions within them. This is especially relevant in places like India or South Africa, which have 22 and 11 official languages, respectively.
• Approximate age and gender. While a human listener might easily confuse a teenager’s voice with a young woman’s or misjudge someone’s age entirely, AI is far better at picking up on subtle vocal nuances. Knowing your age and gender helps scammers refine their playbook for future social engineering attacks.
• Times you’re available. If you answer the phone in the morning, afternoon, or late at night, attackers can schedule their follow-up call during the exact time window when you’re most likely to pick up.
• Likelihood of a successful attack. AI can automatically assess the potential value of a target. For instance, if someone answers quickly, speaks calmly, and doesn’t immediately hang up on unknown numbers, they’ll likely be assigned a higher priority for follow-up calls by live scam operators.

Back to the “why do they call and stay silent”, the main reason is to harvest biometric data. Just a few seconds of recorded audio can help cybercriminals create a voice deepfake. While one or two words might not yield a convincing clone on their own, attackers can stitch together recordings from multiple silent calls to build a believable replica.

This technology is already being used in real-world scams. Impersonating a relative, colleague, or boss, fraudsters can urgently ask you to send them money, to share a two-factor authentication code for government services, or to complete some other seemingly innocuous request. The more realistic the deepfake sounds, the harder it is to spot the scam — especially when backed by a convincing backstory.

What to do if you get a silent call?

If you answer a call, say a few words, and hang up, there’s no need to panic. However, that brief interaction can confirm to attackers that your number is active and that you’ll answer calls from unknown numbers. As a result, your phone number could end up on target lists for future spam or scam campaigns. That said, it’s important to remember that a single silent call poses no immediate security threat.

Here are a few tips to help you stay calm and avoid falling for scam tactics if those silent calls are becoming a problem:

• Don’t answer calls from unknown or hidden numbers. Here’s a helpful tip: if someone genuinely needs to reach you, they’ll find another way to do so, or keep calling from the exact same number at various times. Scammers almost always dial from different numbers, while automated bots operate on a rigid schedule — like calling every day at precisely 8:05 AM.
• Don’t rush to call back. Scammers often count on proactive victims who are curious enough to return calls from unfamiliar numbers. On top of that, calling back could end up costing you money if it’s a premium-rate number.
• Don’t speak first. Wait for the caller to greet you before starting a conversation. If you hear muffled noise or complete silence on the line, hang up and save yourself the hassle — it’s likely a scam.
• Block unknown numbers — even after the call. If you picked up and realized the call could be risky, it’s best to block the number right away. You can use the built-in features on most modern smartphones to do this.
• Don’t share your number everywhere. Phishing sites, fly-by-night web pages, and sketchy giveaways often exist solely to collect your personal data. When filling out forms online, it doesn’t hurt to use a burner or secondary number.
• Get a second phone number. Separate your daily life between two numbers. Use your main line strictly for family, friends, and work contacts, and reserve the secondary line for deliveries, online marketplaces, and general web sign-ups.

Further reading on scammers and deepfakes:

• They’re reading you like a book: scammers’ favorite tricks
• How to recognize a deepfake: attack of the clones
• The great messaging heist targeting your wallet
• You’re in for a big payout again
• Scareware: fake threats, real risks

The 2025 Federal Bureau of Investigation (FBI) Internet Crime Report shows that Americans reported $893,346,472 in AI‑related scam losses.

Those losses stem from 22,364 AI-related complaints. And these figures represent only the reported losses, which may well be the proverbial tip of the iceberg.

The main drivers behind the rise in AI-powered scams are voice cloning, deepfake images and videos, and AI‑generated scripts. These tools have supercharged classic fraud schemes such as romance scams, kidnapping and extortion calls, fake influencers, and government impersonation.

Michael Machtinger, deputy assistant director of the FBI Cyber Division, told the Wall Street Journal:

“AI-created fraudulent communications can look very official and very legitimate to even the most trained individuals.”

The FBI and financial institutions recommend verifying identities via official contact channels. One of their biggest concerns is government impersonation scams, which have evolved from crude IRS gift‑card phone calls into sophisticated, multi‑channel operations that combine spoofed caller ID, stolen agency logos, and AI‑generated audio and video of public officials.

This report, and others like it, shows how AI is being weaponized to automate research on victims, generate convincing scripts, and create highly believable deepfake personas at scale.

AI is also increasingly used in business email compromise (BEC), romance scams, and impersonation fraud. In BEC cases involving AI, losses have already reached tens of millions of dollars for businesses alone.

For a broader look at why AI is simultaneously fueling scams like these and becoming indispensable to defending against them, see my article AI: Threat, tool, or both?

It explains how both defenders and criminals use AI to find vulnerabilities, and why security vendors increasingly rely on AI to process vast amounts of telemetry, detect anomalies, and keep pace with threats that “no longer move at human speed.”

How to stay safe

Consumer protection agencies have documented a growing list of the ways scammers are using AI to try to rip people off. The main problem is that we can no longer take it at face value that the person we’re talking to is who they claim to be.

Government agencies and financial institutions recommend that you:

• Be skeptical of urgent payment demands, especially those involving cryptocurrency or gift cards
• Limit the amount of voice and video content you share publicly, as it can be reused by scammers
• Report incidents quickly to your bank(s) and IC3.gov

Pro tip: Malwarebytes Scam Guard can help you determine whether a message is a scam and guide you through the next steps.

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It starts with the familiar: a short message, a trusted name, a routine tone. Delivery updates, work pings, brand alerts hum in the background, rarely attracting scrutiny. You check, you answer… — until minutes later you’ve slipped into a trap built to lower your guard and hijack your trust.

That’s why messaging scams cut deep: they exploit everyday habits where instinct, not caution, leads. Communication once moved slowly, leaving room for doubt. Now it’s instant — and that speed is a weapon in criminal hands.

On our blog, we’ve already examined numerous scam schemes in messaging apps — from pig butchering, where the victim is groomed for a very long time, or catfishing, where the scammer creates a fake identity, to phishing via chatbots or through gift-giving campaigns in messaging apps.

Now, for the first time, Kaspersky has set out to capture the full end-to-end reality of messaging-based scams to understand how quickly harm occurs, how they impact trust and what remains after the interaction ends. What emerges is a highly organized and industrialized scam ecosystem embedded within everyday messaging channels such as SMS, WhatsApp, and email.

Kaspersky experts have prepared a report on targeted scams in messaging apps, detailing not only the financial but also the emotional damage caused by such attacks, as well as providing tips on how to protect yourself and avoid them. In this post, we explore the most interesting facts, but you can find more details in the full report.

The damage is underestimated

How much do you think a single successful attack via a messaging app costs the average victim? Ten dollars? Or maybe 50? You’re underestimating the scammers. Although more than a third (36%) of victims incur losses of less than $135, on average a victim loses… $733!

Country	Average loss per victim
Senegal	$392.94
Serbia	$493.32
Morocco	$504.28
Greece	$609.32
United Kingdom	$617.38
Côte d’Ivoire	$654.11
Spain	$672.67
United States	$724.73
Portugal	$868.20
Italy	$896.02
France	$1,193.58
Germany	$1,369.35

On the one hand, the financial hit doesn’t look catastrophic in isolation. These are micro-losses by design. Small enough that some never report them to the police. Small enough that banks don’t always investigate. Small enough to be dismissed as bad luck rather than organized crime.

But $733 is not nothing. It’s enough to cover a month’s worth of groceries, school or daycare fees, or utility bills. Against the backdrop of the global cost-of-living crisis, a single such loss can seriously dent a family’s budget.

In 11% of cases, losses exceed $1,350, and more than a quarter of victims (28%) report having been scammed three or more times in the past six months. Once scammers discover that a phone number responds, that contact becomes an asset, circulating from one database to another.

Now imagine the scale of the problem: if just 10% of the three billion messaging‑app users worldwide fell victim with the average loss, the total damage would amount to… nearly $220 billion! This is comparable to the GDP of Greece, and exceeds that of Morocco, Serbia, or Côte d’Ivoire.

It becomes clear that behind the daily flood of fraudulent schemes lie large scam cartels operating on an industrial scale, using AI to personalize messages that mimic those of family members, friends, and familiar brands. This, in essence, forms the basis of a full-fledged economy built on digital identity theft.

Speed beats scrutiny

More than half of successful messaging scams (52%) unfold in under 30 minutes — from first contact to the moment money or personal data changes hands — or even faster, before the victim begins to doubt the legitimacy of the sender. In fact, one in seven scams takes less than five minutes — quicker than boiling an egg!

The speed isn’t accidental. It’s the method. Scammers structure their schemes to deny the victim a chance to come to their senses. Every element is engineered to compress the decision-making window: the urgency of the scenario, the familiarity of the format, the plausibility of the request.

They rush you — faster, faster, don’t tell anyone, you only have a few minutes, solve the problem, don’t ask questions. Click the link, fill in the details, approve the transaction, or else… Or else what? The scammers’ imagination knows no bounds here, but if you don’t do something right now, you’ll definitely regret it.

Alas, the realization of what has happened usually comes when the damage is already irreversible. More than half of victims (51%) lose money; another 43% hand over their personal data — most commonly phone numbers, names, and email addresses — to scammers, and often the victim loses both.

Where and how attacks occur

A delivery notification, a bank alert, a message from a merchant you ordered from last week — messaging apps permeate every aspect of everyday life, making such interactions completely normal. An attack shouldn’t feel like an attack. It should feel like the same message you’ve received hundreds of times.

It’s no surprise that scammers focus their attention on this method of communication first and foremost. The most popular platforms for scams are predictable: WhatsApp (43%), SMS/iMessage (40%), Facebook (27%), Telegram (22%), and Instagram (19%) — these are the ones that people trust most.

A wide variety of schemes is used. Brand impersonation is now one of the three most common types of messaging scam worldwide — accounting for 31% of cases. Fake delivery notifications top the list at 38%, followed by investment scams at 37%.

At the same time, nearly two-thirds (63%) of fraudulent schemes span multiple platforms, moving from SMS to WhatsApp, from WhatsApp to Telegram, etc. In this way, scammers achieve two goals: they mimic organic messaging and evade moderation algorithms.

AI has taken scams to a new level

Just a couple of years ago, fraudulent messages gave themselves away with bad grammar, awkward phrasing, illogical requests, and an obsessive sense of urgency. Today, a phishing message looks, sounds, and reads just like the real thing.

Scam cartels want to catch people in motion — between meetings, on a commute, or during everyday tasks — when your attention is already fragmented. They mimic your mother’s turn of phrase. They match your bank’s tone of voice. They copy your courier’s format exactly. They mirror the rhythm, structure, and style of authentic brand communications across messaging platforms. And AI is accelerating all of it.

What this creates is overlap. Legitimate and fraudulent messages appear in the same environment, using the same formats, language, and triggers. The difference between them is no longer obvious.

The data shows that two-thirds of victims (66%) believe AI was used in the scam against them, 42% cite messages written by AI, 31% report generated or cloned voices, and 25% encountered deepfake images or videos.

That’s why mere awareness and “tech-savviness” may no longer be enough to protect oneself. From Gen Z to Gen X, messaging scams cut across every generation.

And what about the emotional toll?

But money is far from the only problem a victim is left with after an attack. After what they’ve been through, people develop distrust toward incoming messages, unfamiliar numbers, and any requests for action. As a result, 99% of fraud victims say they no longer trust incoming notifications in messaging apps.

This creates a crisis of trust in all digital channels in general. Every legitimate message can now be perceived as a scam. Brands, banks, and delivery services are forced to operate in an environment where the customer is, by default, in a state of distrust.

Dr. Elizabeth Carter, a forensic linguist and criminologist at Kingston University in London, notes that scammers use familiar contexts, common social settings and embedded linguistic norms to create the illusion for the victim that their decision-making is rational and reasonable in the moment. However, what is actually happening is that they construct false realities in which those decisions end up causing financial and psychological harm. She also notes that it is very hard to identify a false reality while you are in it.

After realizing they had been deceived, more than half of victims felt anger — the kind that comes from having trusted something and discovering it was used against you. 42% of victims report frustration, 38% — feeling upset. Moreover, several months later, these feelings haven’t gone away: nearly half of all victims (48%) are still angry, a third (33%) remain frustrated, and 30% are upset.

And nearly one in 10 victims don’t tell anyone what happened. They feel shame, a sense of having fallen for something so obvious. This leaves a significant portion of the actual damage unreported: only 24% of victims contact the police, and only 23% report it to their bank.

So what can be done?

The crisis of trust — and even a touch of paranoia — that has arisen due to widespread attacks on users can linger in victims’ minds for a long time, affecting their quality of life. To prevent this, follow these guidelines:

• Pause before you act. The sense of urgency you feel is almost always artificial. A legitimate bank, retailer, or delivery service won’t penalize you for taking 30 seconds to verify before clicking a link or confirming details. It’s precisely this instinct to resolve the situation quickly that scammers are counting on.
• Verify through another channel. If a message appears to be from a relative, colleague, or company you trust — contact them through another channel before taking any action. Use secure verification methods, and cross-check identities when something doesn’t feel right. For families, agreeing on a “safe word” in advance can defeat even the most convincing voice clones.
• Use a password manager. It will not only help you generate strong, unique passwords for all your accounts and store them securely, syncing them across all your devices, but also protect you from spoofed sites. Even if you click a phishing link and land on such a site, our password manager will notify you about the domain mismatch and refuse to autofill your username and password.
• Use protection that works in real time. Modern security solutions, such as Kaspersky Premium, provide real-time protection against malicious links and phishing attempts in the apps and websites you use every day. On Android devices, a dedicated layer of anti-phishing security scans and neutralizes suspicious links as they appear, even within notifications, before you even have a chance to click them.

We’ve covered other threats in messaging apps in similar articles:

• Pig butchering: large-scale cryptocurrency fraud
• How to safely meet people online
• How phishers and scammers use AI
• How to avoid falling for scammers in Telegram mini-apps

As we mark Safer Internet Day 2026, we’re reflecting on a simple but enduring principle: safety must be designed into online services, not bolted on. Microsoft’s work in this space spans more than two decades—from technology solutions like PhotoDNA to our investments in responsible gaming, public-private partnerships, and empowering users through education. This foundation guides our approach as we help individuals and families navigate a rapidly evolving landscape shaped by new technologies and new risks and as we innovate with next-generation AI offerings. At a moment when 91% of people tell us they worry about harms introduced by AI, our commitment to responsible innovation has never been more important—especially for our youngest users.

Read on for more about our longstanding efforts to create a safer digital environment, plus key findings from our Global Online Safety Survey and new examples of our work to empower families and communities through tools, research, and educational resources—including the latest release in Minecraft Education’s CyberSafe series.  

Ten years of safety research 

2026 marks the tenth year of our annual Global Online Safety Survey research. For a decade, we have invested in surveying teens and adults around the world about their experiences and perceptions of life online—aiming to provide fresh insights to support our collective work. That’s 130,000+ interviews across 37 countries, with the results available on our website. Ten years later, respondents tell us that they feel more connected and more productive, but less safe online.  

This year’s Global Online Safety Survey also highlights the complexity of the digital environment young people now inhabit. Teens’ exposure to risk rose again, with hate speech (35%), scams (29%), and cyberbullying (23%) among the most commonly experienced harms. At the same time, teens demonstrated striking resilience: 72% talked to someone after experiencing a risk, and reporting behavior increased for the second consecutive year. But worries about the misuse of AI continue, underscoring again why safety-by-design for AI is essential, not optional. Find the full results and country-level summaries here. 

Year on year, the research has told a story of evolving online safety risks and of the real-world impact. In 2026, the call to action is more urgent than ever—unless industry can deliver safe and age-appropriate experiences, young people risk losing access to technology. At Microsoft, spanning across our teams from Windows to Xbox, we have sought to continuously evolve our approach and to lead industry in advancing tailored and thoughtful safety solutions.   

Evolving to meet the moment 

Looking ahead, we know we need to continue to build strong guardrails to tackle acute risks and to leverage our experience while being informed by new research, new perspectives, and new technologies. The application process closed yesterday for our first AI Futures Youth Council, to be comprised of teens from across the US and EU. We’re looking forward to bringing those teens together soon for a first meeting to get their direct feedback on the role they want emerging technology to play in their lives and how we can best support their safety.  

Microsoft has partnered with Cyberlite on a second youth-centered initiative to understand how teens aged 13–17 are engaging with AI companions. Through codesign workshops with students in India and Singapore, we’re capturing young people’s own perspectives on the benefits, risks, and emotional dimensions of AI use—insights that will directly inform educational resources for teens, parents, and educators. Early findings from the first workshop in December 2025 show that young people value AI as a judgment free space while also recognizing the tradeoffs: privacy risks, overreliance, and erosion of critical thinking loom larger for them than bad advice.  

We’re also thinking about how we define safety in the next era of Windows, leveraging the Family Safety controls that have been integrated for over a decade. As many countries have raised the local age for digital consent, more parents will have the option to enable parental controls for teens up to the age of 18—leveraging these tools as part of a holistic approach to digital parenting. And to help parents set up and understand Family Safety, we’ve developed a short new guide. 

Safety is also about transparency, empowerment, and education. At Xbox, bringing the joy of gaming to everyone means remaining transparent about the many ways we innovate so players, parents, and caregivers can feel confident that Xbox continues to be a place for positive play. You can read more about our recently published Xbox Transparency Report and the tools and resources available to players on the Xbox Wire blog.  

We’re also excited to announce the latest release in Minecraft Education’s CyberSafe series: CyberSafe: Bad Connection? This series of immersive Minecraft worlds and educational resources is free and helps translate complex risks into fun learning experiences that meet young people in their favorite blocky world. Bad Connection?—the fifth in the series—reflects our commitment to evolving to meet new and challenging risks, with a focus on tackling serious risks related to online recruitment and radicalization. Learn more about how to access this new Minecraft world here.  

The CyberSafe series has reached more than 80 million downloads since 2022 through a partnership between Minecraft Education, Xbox, and Microsoft, helping a generation of young players build the agency, resilience, and digital citizenship they need to navigate an increasingly online world. As part of our commitment to ensure people have the knowledge and skills they need to benefit from technology and stay safe, Microsoft Elevate is empowering educators and students with tools and guidance to build safer, more responsible digital habits, recognizing that AI is transforming how people learn, work, and connect. Our commitment to helping young people access technology safely is also why we’ve partnered with organizations, like the National 4-H Council to prepare young people for an AI-powered world through AI literacy and digital safety curriculum and game-based learning with Minecraft Education. 

As we look ahead, our goal is clear: build technology that is safe by design, guided by evidence, and informed through partnership. The internet has changed profoundly over the past decade, and so too have the expectations of the people who use it. Safer Internet Day is a reminder that progress requires sustained collaboration across industry, civil society, researchers, and families.

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Global Online Safety Survey Methodology  

Microsoft has published annual research since 2016 that surveys how people of varying ages use and view online technology. This latest consumer-based report is based on a survey of nearly 15,000 teens (13–17) and adults that was conducted this past summer in 15 countries examining people’s attitudes and perceptions about online safety tools and interactions. Responses to online safety differ depending on the country. Full results can be accessed here.  

 

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