Phishing remains among the most widespread and dangerous cyber threats, especially for individuals and small businesses. These attacks rely on deception-emails, texts, or social messages that impersonate trusted sources to trick people into giving up sensitive information.

Cybercriminals exploit urgency and fear. A typical example is a fake email from a bank saying your account is at risk, prompting you to click a malicious link. Even when emails look legitimate, subtle details-like a strange sender address-can be red flags.

In one recent scam, Netflix users received fake alerts about payment failures. The link led to a fake login page where credentials and payment data were stolen. Similar tactics have been used against QuickBooks users, small businesses, and Microsoft 365 customers.

Small businesses are frequent targets due to limited security resources. Emails mimicking vendors or tech companies often trick employees into handing over credentials, giving attackers access to sensitive systems.

Phishing works because it preys on human psychology: trust, fear, and urgency. And with AI, attackers can now generate more convincing content, making detection harder than ever.

Protection starts with vigilance. Always check sender addresses, avoid clicking suspicious links, and enable multi-factor authentication (MFA). Employee training, secure protocols for sensitive requests, and phishing simulations are critical for businesses.

Phishing attacks will continue to grow in sophistication, but with awareness and layered security practices, users and businesses can stay ahead of the threat.