For many older adults, technology has become an essential part of staying connected — video calls with grandkids, online shopping, digital banking, and keeping up with the world. But as technology evolves, so do the tactics of cybercriminals.

According to the FBI’s 2024 Elder Fraud Report, Americans aged 60 and older lost over $4.8 billion to online fraud last year, with a 46% increase in reports from impacted seniors.

These numbers are sobering, but they also highlight something important: the more we know, the better we can protect ourselves and those we love. With a few proactive steps and open conversations, families can dramatically reduce the risk of digital fraud and help seniors use technology with confidence.

Understanding how scammers target older adults

Cybercriminals know that older adults often have steady income, retirement savings, and a trusting nature, making them prime targets. The most common schemes include:

• Tech support scams. These often begin with a pop-up on the screen or phone call claiming there’s a virus on the victim’s computer. The scammer offers “help,” gains remote access, and steals financial information.
  
• Phishing and imposter emails. With phishing scams, fraudsters send messages that appear to be from legitimate sources like banks, government agencies, and even grandchildren requesting money or personal data.
  
• Investment scams. An investment scam is when con artists promise high returns with little or no risk, often posing as financial advisors or legitimate companies, to trick victims into sending money for fake or nonexistent opportunities. These are especially costly. According to AARP, adults in their 70s report median losses of $20,000 per incident.

Signs your loved one might be at risk

Financial exploitation can go unnoticed for months if families aren’t watching for subtle changes. Be alert to:

• Unexplained bank withdrawals or new accounts.
• Missing money, valuables, or gift cards.
• Unfamiliar contacts or “friends” met online.
• Increased secrecy about finances or computer use.
• Anxiety or confusion after using the phone or internet.

How families can help strengthen cyber safety

Cybersecurity doesn’t have to be complicated. Small, consistent habits can greatly reduce the risk of fraud. Here’s how families can work together to build stronger digital defenses:

Encourage open conversations

Start by normalizing discussions about online safety. Make sure your loved ones know they can come to you without judgment if something feels off. Many scams rely on embarrassment or fear to keep victims silent.

Simplify their tech setup

Help seniors install automatic software updates, antivirus protection, and a password manager. Simplified devices and clear shortcuts can make digital life both safer and easier.

Use multi-factor authentication (MFA)

Wherever possible, enable MFA on accounts like email, banking, and social media. It adds a layer of protection even if a password is stolen. Offer to help set it up and test it together.

Monitor financial activity

Encourage regular account reviews, either together or through alerts. Many banks and credit unions now provide real-time notifications for large withdrawals or suspicious logins.

Practice skepticism together

Review examples of phishing emails or scam messages so your loved one can spot red flags like urgent language, unfamiliar links, or odd email addresses. The FBI’s elder fraud page includes helpful resources and current scam alerts.

Why digital safety matters for every generation

Protecting seniors online is about more than avoiding scams — it’s about preserving independence, confidence, and peace of mind. As digital tools become central to daily life, older adults deserve to enjoy them safely.

Families who stay informed and proactive can make a real difference. With shared vigilance and a few smart safeguards, seniors can continue to connect, bank, and live online with confidence.