Day 4 Teacher Guide

Scam Safety and Digital Banking

Students must decide what is safe, what is suspicious, and how to respond without giving away their details.

Visual references

Use these images to reinforce the scam-safety conversation and the teller’s warnings.

Illustration of a fake bank text message
Phishing text: a clear prompt to avoid the link.
Illustration of a fake bank call
Impersonation call: a reminder not to trust urgent requests.
Illustration of an unknown card payment
Suspicious payment: useful when collecting dispute details.
Illustration of a PayID payment request
PayID request: helps explain why fast transfers need careful checking.

Standard Information For All Scenarios

Scenario 4A: Fake Bank Text

Teacher Role: Act as the scammer first. Stay believable. Reveal information slowly. Do not announce that this is a scam.

Student Role: Act as the customer who received the message. Investigate before taking action.

Hidden Information (Teacher Only)

  • The message is fake.
  • The website is not official.
  • The goal is to collect customer information.
  • The student should discover warning signs.

Round 1 — Opening Message

Scammer:

Hello. We detected unusual activity on your account. Please verify immediately.

Wait for customer questions. Do not reveal extra details.

Round 2 — Conversation Reveal

Customer says Scammer replies
What happened? We noticed unusual account activity.
How can I fix this? Please use the verification link.
Can I call the bank? Phone support is unavailable. This is faster.
Can I use the app? No. This issue requires verification first.
Why do you need me now? To avoid account restrictions.

Round 3 — Pressure Stage

Choose ONE only:

  • Your access may become limited.
  • Please act immediately.
  • This request expires soon.
  • Reply YES to continue.

Role Switch — Become Bank Teller

Switch roles ONLY if customer:

  • refuses the link
  • wants official verification
  • calls the bank
  • questions the request

Bank Teller:

Excellent decision. This was a phishing attempt. Real banks encourage customers to use official channels and never ask customers to share security codes through text messages.

Teacher Debrief

  • Which message felt suspicious?
  • What made you question the sender?
  • What would you do next time?

Assessment

  • ☐ Customer investigated
  • ☐ Customer protected information
  • ☐ Customer avoided the link
  • ☐ Customer verified independently

Scenario 4B: Fake Safe Account Call

Teacher Role:
Act as the caller first. Pretend to be from the bank. Reveal information slowly. Do not tell the student this is a scam.

Student Role:
Customer receives an unexpected fraud warning call and must decide what to do.

Hidden Information (Teacher Only)

  • The call is fake.
  • The goal is to pressure the customer into transferring money.
  • The caller does not want the customer to verify independently.
  • The customer succeeds if they stop and verify safely.

Round 1 — Opening Call

Caller:

Hello. This is the fraud protection team. We detected suspicious activity. Your money may be at risk.

Pause. Wait for customer questions. Do not continue automatically.

Round 2 — Reveal Information Slowly

Customer explores Caller replies
asks about the danger We noticed suspicious transactions.
asks how to solve it Move your money into a protected account.
asks about safer options This method is faster.
asks about official confirmation Please stay on the line.
questions the urgency Action is recommended immediately.

Round 3 — Pressure Stage

Choose ONE:

  • Your account may remain at risk.
  • This protection process must continue now.
  • Please do not disconnect.
  • Transfer first and we will investigate later.

Role Switch — Become Bank Teller

Switch only if customer:

  • refuses the transfer
  • wants to call independently
  • questions the caller
  • asks for official verification

Bank Teller:

Good decision. This was an impersonation scam. Real banks do not ask customers to move money into a safe account. If you receive a suspicious call, hang up and contact the bank using the official number.

Teacher Debrief

  • What made the call feel suspicious?
  • When did you begin questioning the caller?
  • What would a real bank do instead?

Assessment

  • ☐ Customer investigated
  • ☐ Customer avoided transferring money
  • ☐ Customer looked for safer options
  • ☐ Customer verified independently

Scenario 4C: Unknown Card Payment

Teller Role: Customer has seen a card payment they do not recognise.

Objectives:

  • Check whether the card should be frozen.
  • Collect transaction details for a dispute.
  • Explain the next steps clearly.

Scammer Mode (Teacher acting as scammer):

Suggested Scammer Responses:

  • "We detected suspicious payments. Confirm your details first."
  • "Please read the security code sent to your phone."
  • "We need immediate verification."
  • "Don't open your banking app while we investigate."

Switch to Teller Mode after student refuses:

  • "You did the right thing by not sharing information."
  • "Let's review the transaction safely."

Suggested Teller Response:

  • "Let’s check the transaction together and see if it is yours."
  • "If you do not recognise it, I can help freeze the card and begin a dispute."
  • "I’ll need the date, amount, and merchant name to investigate."

Correct Outcome: The card is frozen if needed and the customer starts a dispute.

Scenario 4D: PayID Request

Teller Role: Customer wants to pay a stranger through PayID.

Objectives:

  • Explain that instant transfers can be risky.
  • Ask the customer to confirm the seller is genuine.
  • Encourage safer payment choices when possible.

Scammer Mode (Teacher acting as scammer):

Suggested Scammer Responses:

  • "Pay now because other buyers are waiting."
  • "PayID is completely protected — trust me."
  • "Send a small verification payment first."
  • "I cannot hold the item any longer."

Switch to Teller Mode after student hesitates:

  • "Pressure to pay quickly can be a warning sign."
  • "Check seller identity before sending money."

Suggested Teller Response:

  • "PayID is fast, so please double-check the seller before you send money."
  • "If the seller is pressuring you, that can be a warning sign."
  • "Once money is sent instantly, it can be hard to get back."

Correct Outcome: Customer pauses, checks the seller, and avoids sending money too quickly.

Secret Challenge Cards

Challenge 1: Message includes a shortened link.
Challenge 2: Caller asks for a one-time code.
Challenge 3: Card payment appears twice.
Challenge 4: Seller keeps changing bank details.
Challenge 5: Customer feels rushed and panicked.
Challenge 6: Customer wants to share screenshots with the caller.
Challenge 7: Customer is unsure how to verify the official bank number.
Challenge 8: Customer already clicked the link and needs help next.

Suggested Teller Language

Assessment Checklist

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