Emerging Cyber Threats and Digital Safety: A Review of Cybercrime, Disinformation, and Financial Fraud

Cybercrime has become a major worldwide issue that impacts people, businesses, and governments in equal measure. This review article looks at current problems with digital financial fraud, misinformation, disinformation, cybercrime, and cybersecurity in the digital age. The report draws attention to the growing worries about identity theft, financial fraud, internet scams, fake news, and technology weaknesses that impact people all around the world. The significance of digital financial literacy as a crucial skill needed to enable safe engagement in an increasingly digital economy is also examined. Evidence from EU members, Africa and Asia emphasizes the necessity of inclusive policy frameworks, technology safeguards, and behavioural interventions to confront new cyber threats. Improving cybersecurity necessitates a multifaceted strategy that includes public awareness, digital literacy, technology protection, regulatory changes, and international cooperation. Building a secure and resilient digital society still requires raising citizens' understanding of cybersecurity and digital finance.