What is the most important causes?

1. Superlative phrase: The greatest contributing factor of the dramatic increase in scams is the rapid development of technology

2. Reason 1

2.1. Economic Impact

2.2. In present fraud has taken $186,310,466.68

2.3. (Scamwatch, 2024)

3. Reason 2

3.1. Psychological Impact

3.2. "Cause victims to isolate themselves and choose not to disclose their struggles"

3.3. (Singapore Counselling Centre, 2021)

4. Explanation

4.1. Which means because of the rapid development of technology, fraud has a lot of advantage and make them harder to get caught, so scams are now getting out of control because for now there is no solution to prevent fraud from using high tech.

5. Explanation

5.1. If people get scammed, their common reaction is to hide it and not tell anyone because they will feel shame. This makes the victims always feel stressful because they have to deal with the amount of money they lost by themselves.

6. Comparative phrase

6.1. The loss of finance due to scamming not only affects the victim's economy but also the victim's mental health, which is more substantial than some scammers being forced to scam other people.

7. Conclusion

8. Comparative phrase

8.1. The impact of rapid development of technology to scammer is on the larger scale than all the causes because rapid development is the reason why 2 other causes is there

9. The rapid development of technology is the most significant cause of scams in the digital world.