I feel like the scams are just more intracate nowadays.

This is the best summary I could come up with:

“People that are digital natives for the most part, they’re aware of these things,” says Scott Debb, an associate professor of psychology at Norfolk State University who has studied the cybersecurity habits of younger Americans.

In one 2020 study published in the International Journal of Cybersecurity Intelligence and Cybercrime, Debb and a team of researchers compared the self-reported online safety behaviors of millennials and Gen Z, the two “digitally native” generations.

But because Gen Z relies on technology more often, on more devices, and in more aspects of their lives, there might just be more opportunities for them to encounter a bogus email or unreliable shop, says Tanneasha Gordon, a principal at Deloitte who leads the company’s data & digital trust business.

Staying safer online could involve switching browsers, enabling different settings in the apps you use, or changing how you store passwords, she noted.

Gordon floated the idea of major social media platforms sending out test phishing emails — the kind that you might get from your employer, as a tool to check your own vulnerabilities — which lead users who fall for the trap toward some educational resources.

But really, Guru says, the key to getting Gen Z better prepared for a world full of online scams might be found in helping younger people understand the systems that incentivize them to exist in the first place.

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