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More than a mil­lion over-45s have fallen vic­tim to email scams, ac­cord­ing to Aviva’s lat­est Real Re­tire­ment Re­port.

With the Gov­ern­ment cur­rently con­sult­ing on a cold call­ing ban to “cut off a key source of pen­sion scams”, the find­ings high­light the im­por­tance of tack­ling dig­i­tal se­cu­rity as the in­dus­try moves to­wards greater on­line man­age­ment of peo­ple’s life sav­ings.

Aviva’s find­ings sug­gest al­most three in four (73%) over-45s with in­ter­net ac­cess have been tar­geted by an email scam. Of these, 6% or 1.24m re­ported fall­ing vic­tim to an ap­proach.

In com­par­i­son, 60% of over45s – equiv­a­lent to al­most 17m in to­tal – have been tar­geted by fraud­sters via phone calls, with 7% of those (1.19m) say­ing they were a vic­tim of scam­mers.

With more than 20m peo­ple tar­geted by email scams com­pared with 17m via phone, it means there is a 22% higher chance of over-45s be­ing sub­ject to an on­line ap­proach.

Older gen­er­a­tions are most at risk, with over-75s most likely to be tar­geted by fraud­sters via email (76% vs. 73% of over-45s) as well as tele­phone (69% vs. 60% of over-45s). Over-75s are also most likely to have fallen into the trap of an email scam.

Over-75s are most at risk of be­ing tar­geted by fraud­sters, with 76% ap­proached by email ex­ceed­ing the 69% who have been tar­geted by phone scams

Al­most one in four (24%) over75s say tech­nol­ogy makes them feel vul­ner­a­ble.

De­spite con­cerns, over-45s con­sider them­selves “tech adopters” with seven in 10 will­ing to em­brace new tech­nol­ogy.

Many say tech­nol­ogy has made their life eas­ier, with the most im­pact felt on fi­nances.

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