If you haven’t fallen for a scam yet, it’s not because you’re too clever — it’s because you’re lucky, says Nick Stapleton. Eventually, the right scam will get you on the wrong day.

The investigative journalist and presenter of the BBC television series Scam Interceptors is renowned for battling with scammers as he races to thwart real life online fraud attempts on the show, revealing increasingly sophisticated techniques — and tech — that cyber criminals have at their disposal. He can see, he adds, how artificial intelligence is taking scams to the next level.

An estimated 9mn people in the UK fell victim to financial fraud in the past year, according to Citizens Advice, with fake debt advice and friend-in-need scams claiming the most victims.