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The Dangers of Social Engineering: How to Recognise and Avoid Scams as a Zambian Expat Worker

17 Jan 2024

Are you unknowingly falling victim to social engineering fraud in a foreign land? If you frequently send money to Zambia through online channels, you are at risk of getting scammed. Learn the most common strategies used by scammers to prey on Zambian expats and discover how to defend yourself from them.

You may have come across several internet frauds and phishing efforts as a Zambian expat worker. Unfortunately, the methods of scammers are growing more complex, and it is critical to recognize and avoid them to secure your personal and financial information. 

Daunting Stats and Facts About Social Engineering Scams

  • According to one recent study, more than 91% of successful cyber-attacks start with some sort of social engineering, such as phishing or pretexting.
  • In the previous year, 8.8 million South Africans were victims of cybercrime. Throughout the last 12 months, there have been 602 million victims of cybercrime worldwide.
  • According to a report by UK Finance, in 2020, UK residents will have lost over £479 million to bank transfer fraud, which frequently employs social engineering techniques.

Recognizing the Scams of Social Engineering

Social engineering is a sort of cyber assault that uses psychological manipulation to deceive victims into disclosing sensitive information or performing an activity. Scams based on social engineering take numerous forms, including:

Phishing Scams

One of the most prevalent social engineering strategies is phishing. Fraudsters send bogus emails, text messages, or social media communications claiming to be from a reputable source, such as a bank or government organization. They frequently request sensitive information, such as login passwords or credit card information, or persuade you to click on a dangerous link that installs malware on your device.

Be extra careful of such messages if you use an online remittance provider to send money online to Zambia. Scammers can pretend that they are workers from the company. 

Pretexting Scams

Pretexting is the process of fabricating a fictitious scenario to acquire access to personal or financial information. For example, a scammer may act as an IT specialist and request your login credentials to troubleshoot a bogus problem.

Baiting Scams

Baiting scams include giving something of value in exchange for personal information, such as a gift card or a job offer. Once the fraudster obtains the information, they can use it to commit fraud. The offer is also completely fake. 

Scareware Scams

Scareware scams take advantage of victims' panic and haste to deceive them into installing malware or paying for needless software. A pop-up message, for example, may warn you that your device is infected with a virus and persuade you to download a bogus antivirus program.

How to Avoid Social Engineering Scams?

These are some guidelines for identifying and avoiding social engineering scams that are mentioned below. 

Be Wary of Unsolicited Messages

If you receive an email or message from an unknown sender, proceed with caution. Verify the sender's email address or phone number to ensure it's real, and if you're doubtful, don't click on any links or download any attachments.

Check the Source

If you receive a message from a known sender, such as your bank or workplace, ensure it's genuine before sharing critical information. To confirm the request, call the organization's official phone number or visit their official website.

Do Not Fall for The Deals That Appear Too Good to Be True

Be wary if you receive an offer that promises free money or a high-paying job. Before submitting any information or sending any money, research the organization or people offering the opportunity and ensure that it is real.

Use Extra Strong Passwords

Strong passwords and two-factor authentication can help keep your accounts safe from being hacked or exploited. Never use the same password for several accounts, and never give out your password to anyone. Updating your device's software and antivirus programs can help in the prevention of malware and other sorts of cyber threats.

How to Stay Safe While Making Money Transfers to Zambia?

You may need to money transfer to Zambia to your loved ones back home as a Zambian expat worker. To prevent falling victim to social engineering scams, utilizing a reliable and secure money transfer service like ACE Money Transfer when sending remittances online is critical.

ACE Money Transfer is dedicated to providing its customers with a safe and secure platform. It protects its users' financial information and transactions with advanced encryption technology. The dedicated security team monitors the systems daily for any suspicious activity.

In addition to the security precautions, ACE Money Transfer provides convenient and economical money transfer services. It offers low transfer fees, market-competitive exchange rates, and speedy transactions to Zambia. 

Wrap Up

Scams based on social engineering can be incredibly convincing and inflict significant harm to your personal and financial information. It is crucial to be watchful and cautious while receiving unwanted communications, offers, or demands for personal information. You can avoid being a victim of social engineering by following these recommendations and staying up to date on the latest scams. 

If you're looking for a safe and dependable way to send money to family and friends in Zambia, look no further, as ACE Money Transfer is there to help. Rest assured that your money will be transferred safely and securely thanks to our comprehensive security procedures and convenient payment choices. Join ACE Money Transfer today to make unlimited money transfers online to Zambia and enjoy the peace of mind that comes with relying on a reputable money transfer service.


What is social engineering, and why is it a concern for Zambian expat workers?

Social engineering is a manipulation tactic used by scammers to deceive individuals into revealing confidential information or performing actions that may compromise their security. Expats may be targeted due to their unfamiliarity with local customs and regulations.

What are common signs that Zambian expat workers should look for to recognize social engineering scams?

Some signs include unsolicited requests for personal or financial information, urgent messages that create a sense of panic, or offers that seem too good to be true. Be cautious of unknown contacts and be wary of sharing sensitive information online or over the phone.

How can Zambian expat workers protect themselves from falling victim to social engineering scams?

Maintain a healthy skepticism and verify the identity of anyone requesting personal information or financial transactions. Double-check email and website addresses to ensure they are legitimate. Educate yourself about common scams and stay informed about the latest tactics.

Are there specific precautions Zambian expat workers should take when using social media or online platforms to connect with others abroad?

Be cautious about sharing personal information on social media and limit what you make publicly accessible. Use strong, unique passwords for online accounts, and enable two-factor authentication when available. Avoid accepting friend requests or connections from unknown individuals.

What should Zambian expat workers do if they suspect they have been targeted or fallen victim to a social engineering scam?

If you suspect you've been targeted, do not engage further with the scammer. Report the incident to your local authorities and your employer if it involves work-related matters. Change your passwords and monitor your financial accounts for any suspicious activity. Educate your colleagues and friends about the scam to prevent others from falling victim.

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