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

In 2022, we dived deep into an attack method called browser-in-the-browser — originally developed by the cybersecurity researcher known as mr.d0x. Back then, no actual examples existed of this model being used in the wild. Fast-forward four years, and browser-in-the-browser attacks have graduated from the theoretical to the real: attackers are now using them in the field. In this post, we revisit what exactly a browser-in-the-browser attack is, show how hackers are deploying it, and, most importantly, explain how to keep yourself from becoming its next victim.

What is a browser-in-the-browser (BitB) attack?

For starters, let’s refresh our memories on what mr.d0x actually cooked up. The core of the attack stems from his observation of just how advanced modern web development tools — HTML, CSS, JavaScript, and the like — have become. It’s this realization that inspired the researcher to come up with a particularly elaborate phishing model.

A browser-in-the-browser attack is a sophisticated form of phishing that uses web design to craft fraudulent websites imitating login windows for well-known services like Microsoft, Google, Facebook, or Apple that look just like the real thing. The researcher’s concept involves an attacker building a legitimate-looking site to lure in victims. Once there, users can’t leave comments or make purchases unless they “sign in” first.

Signing in seems easy enough: just click the Sign in with {popular service name} button. And this is where things get interesting: instead of a genuine authentication page provided by the legitimate service, the user gets a fake form rendered inside the malicious site, looking exactly like… a browser pop-up. Furthermore, the address bar in the pop-up, also rendered by the attackers, displays a perfectly legitimate URL. Even a close inspection won’t reveal the trick.

From there, the unsuspecting user enters their credentials for Microsoft, Google, Facebook, or Apple into this rendered window, and those details go straight to the cybercriminals. For a while this scheme remained a theoretical experiment by the security researcher. Now — real-world attackers have added it to their arsenals.

Facebook credential theft

Attackers have put their own spin on mr.d0x’s original concept: recent browser-in-the-browser hits have been kicking off with emails designed to alarm recipients. For instance, one phishing campaign posed as a law firm informing the user they’d committed a copyright violation by posting something on Facebook. The message included a credible-looking link allegedly to the offending post.

Interestingly, to lower the victim’s guard, clicking the link didn’t immediately open a fake Facebook login page. Instead, they were first greeted by a bogus Meta CAPTCHA. Only after passing it was the victim presented with the fake authentication pop-up.

Naturally, the fake Facebook login page followed mr.d0x’s blueprint: it was built entirely with web design tools to harvest the victim’s credentials. Meanwhile, the URL displayed in the forged address bar pointed to the real Facebook site — www.facebook.com.

How to avoid becoming a victim

The fact that scammers are now deploying browser-in-the-browser attacks just goes to show that their bag of tricks is constantly evolving. But don’t despair — there’s a way to tell if a login window is legit. A password manager is your friend here, which, among other things, acts as a reliable security litmus test for any website.

That’s because when it comes to auto-filling credentials, a password manager looks at the actual URL, not what the address bar appears to show, or what the page itself looks like. Unlike a human user, a password manager can’t be fooled with browser-in-the-browser tactics, or any other tricks, like domains having a slightly different address (typosquatting) or phishing forms buried in ads and pop-ups. There’s a simple rule: if your password manager offers to auto-fill your login and password, you’re on a website you’ve previously saved credentials for. If it stays silent, something’s fishy.

Beyond that, following our time-tested advice will help you defend against various phishing methods, or at least minimize the fallout if an attack succeeds:

• Enable two-factor authentication (2FA) for every account that supports it. Ideally, use one-time codes generated by a dedicated authenticator app as your second factor. This helps you dodge phishing schemes designed to intercept confirmation codes sent via SMS, messaging apps, or email. You can read more about one-time-code 2FA in our dedicated post.
• Use passkeys. The option to sign in with this method can also serve as a signal that you’re on a legitimate site. You can learn all about what passkeys are and how to start using them in our deep dive into the technology.
• Set unique, complex passwords for all your accounts. Whatever you do, never reuse the same password across different accounts. We recently covered what makes a password truly strong on our blog. To generate unique combinations — without needing to remember them — Kaspersky Password Manager is your best bet. As an added bonus, it can also generate one-time codes for two-factor authentication, store your passkeys, and synchronize your passwords and files across your various devices.

Finally, this post serves as yet another reminder that theoretical attacks described by cybersecurity researchers often find their way out into the wild. So, keep an eye on our blog, and subscribe to our Telegram channel to stay up to speed on the latest threats to your digital security and how to shut them down.

Read about other inventive phishing techniques scammers are using day in day out:

• Phishing and spam: the wildest campaigns of 2025
• What happens to data stolen using phishing?
• How phishers and scammers use AI
• Turnkey phishing
• Progressive phishing: how PWAs can be used to steal passwords