The Top 5 Scams Hitting Gen Z Harder Than the Rest of America

Gen Z grew up online. But that isn’t giving them an advantage against the next generation of AI-powered scams, and the data shows it.
More than one in three Gen Z adults reported losing money to an online scam in the past year. They’re also encountering several types of online fakes at higher rates than Americans overall, including fake social media profiles, fake recruiters, AI-generated images and deepfake-style videos.
The data points to a new reality for a generation that has spent much of its life online: Digital familiarity alone may not be enough when AI is making fake content easier to create and harder to recognize.
Here’s what we found, plus our Head of Threat Research Abhishek Karnik’s key safety takeaways for Gen Z:
5 Online Fakes Fooling Gen Z More Often

1. Fake social media profiles: 51% of Gen Z vs. 41% of Americans overall
More than half of Gen Z adults encountered a fake social media profile in the past year, according to McAfee’s research.
In these instances, someone might impersonate a creator, brand, potential romantic partner or even a person you already know. Once contact is established, the conversation can move toward a suspicious link, request for money, investment opportunity or attempt to collect personal information.
Abhishek’s key takeaway: “Treat unexpected messages regarding requests for money or help, with some level of skepticism, even if it’s from familiar-looking accounts. Account takeovers (where a known contact’s account was compromised) and copycat accounts (impersonated accounts where someone created a similar looking profile) are often tactics used to target victims. Call your friend on a trusted number and confirm if they really need help.”
2. AI-generated images presented as real: 51% vs. 44%
AI image tools can produce realistic-looking people, products, places and events that never existed.
For scammers, that creates another way to manufacture credibility. A fake profile can have convincing photos. A fraudulent product listing can appear to show a real item. An investment or giveaway scam can be dressed up with imagery that looks legitimate at first glance.
Abhishek’s key takeaway: “Look for oddities in the images itself. AI is not always perfect and does make errors. But also look beyond the image. Check the account posting it, the surrounding context and whether reputable sources confirm the claim before acting on it.”
3. Deepfake-style videos: 40% vs. 34%
Two in five Gen Z adults said they encountered deepfake-style videos in the past year.
A deepfake is manipulated or AI-generated media designed to make it appear that a real person said or did something they didn’t. Improvements in AI mean visual oddities alone are becoming a less reliable way to identify one.
Abhishek’s key takeaway: “Not all deepfakes are bad. Some are made for entertainment. However, pause to analyze and consider what the video is asking you to do or believe.
A surprising celebrity investment pitch, urgent request for money or unbelievable announcement deserves independent verification, even when the person on screen looks and sounds convincing.”

4. Fake recruiters and job opportunities: 34% vs. 27%
For Gen Z adults entering or moving through the workforce, job hunting increasingly means interacting with people they have never met through email, social media, job platforms and messaging apps.
Scammers can exploit that normal behavior by posing as recruiters or employers. A convincing company name, professional-looking profile and friendly interview process can make a fraudulent opportunity harder to distinguish from the real thing.
Abhishek’s key takeaway: “Be cautious when a recruiter quickly asks for sensitive personal information, asks you to pay upfront costs or moves the hiring process onto an unusual platform like WhatsApp. Verify the role through the employer’s official website and independently confirm that the recruiter works there.”
5. Fake celebrity endorsements: 27% vs. 21%
AI has also made it easier to put familiar faces and voices behind claims they never made.
Fake celebrity endorsements can appear in investment scams, product promotions and giveaways. What makes them powerful is the borrowed trust. Seeing someone familiar can make an unfamiliar offer feel more credible.
Before buying, investing or sharing information, verify the endorsement through the celebrity’s official channels and independently research the company or offer.
3 Scams Hitting Gen Z’s Wallet Harder

Exposure tells us what people are seeing. Financial loss tells another part of the story.
McAfee’s research found Gen Z adults were more likely than Americans overall to report losing money to three particular types of scams:
- Package delivery scams: 25% of Gen Z vs. 18% overall
- Fake customer support scams: 24% vs. 18%
- AI-generated impersonation scams: 20% vs. 15%
Each takes advantage of an ordinary digital interaction.
Abhishek’s key takeaway: “Scams can work by fitting naturally into what someone is already doing online, making verification increasingly important before clicking a link, sending money or sharing sensitive information.”
3 Ways Job Scams Are Shaking Gen Z’s Confidence

The job market provides one of the clearest examples of how scam concerns can affect people even when they never lose money.
McAfee found:
- 65% of Gen Z adults say scam concerns have made them hesitate or avoid applying for a job online, compared with 54% of Americans overall.
- 57% have suspected a recruiter or job opportunity was fake, compared with 43% overall.
- 39% encountered a fake recruiter or job scam in the past year, compared with 31% overall.
For young adults building careers, that uncertainty can carry a real cost. A legitimate recruiter and a scammer may contact someone through the same platforms and use many of the same professional conventions.
Abhishek’s key takeaway: “Verification can help. Search for the position on the company’s official careers page, check the recruiter independently and contact the company through information you find yourself when something feels questionable.”
The Broader Scam Reality Across the U.S.

Gen Z’s experience sits inside a much bigger shift in how Americans navigate life online.
McAfee’s newest research, which combines a nationally representative survey of 5,000 U.S. adults with McAfee Labs analysis of text-based scam activity, found that 88% of Americans encountered at least one type of scam in the past year. Nearly one-third, 31%, reported losing money to one.
The effects extend beyond financial losses.
Nearly three-quarters of Americans, 74%, say they feel the need to double-check most things online before trusting them. Sixty-two percent say figuring out what is real takes more mental energy than it did a year ago. And 82% say concerns about scams have changed something they do online.
That can mean avoiding an unfamiliar retailer, ignoring a legitimate message or deciding against clicking a real link.
AI adds another layer to that uncertainty because convincing content can now be produced faster and at greater scale. As synthetic content becomes part of everyday digital life, spotting scams cannot depend entirely on whether something simply “looks fake.”
For Gen Z, the findings suggest that challenge is already especially visible. They are encountering some forms of manipulated and fraudulent content more frequently while also navigating important parts of early adult life, from finding work to shopping and managing money, online.
Safety Tips From McAfee Experts
A few habits can help reduce the risk without requiring you to investigate everything you encounter online.
Here’s what our threat researchers want you to know:
- Verify through a second channel. If a friend, recruiter, company or customer support representative contacts you unexpectedly, confirm the request somewhere else. Open the company’s official app, visit its website yourself or contact the person using a number you already trust.
- Slow down when someone creates urgency. Scammers frequently want a decision before you have time to investigate. Unexpected requests involving money, account credentials, verification codes or personal information deserve an extra check.
- Investigate the source, not just the content. AI-generated images, video and audio are becoming increasingly convincing. Check who posted something, where an offer originated and whether another reliable source confirms it.
- Avoid sending money to unlock money. Be especially cautious if a job, prize, investment or refund requires you to pay a fee, purchase equipment or transfer money first.
How McAfee Is Changing to Meet This Moment
As AI changes how people create, communicate and connect, consumer protection needs to evolve with it.
McAfee has been protecting people for decades, and for many people, our name is still synonymous with antivirus. Today’s digital lives extend far beyond a single device, and the risks people encounter do too.
The new McAfee experience is designed to help protect the things people rely on every day, including their personal information, connections, devices and accounts, while making it clearer what’s safe, what needs attention and what McAfee can handle for them.

That includes helping identify suspicious messages, links and websites, alerting people when personal information appears in a data breach, monitoring for exposed personal information, helping protect connections on risky Wi-Fi and keeping devices and accounts safer.
The experience is built around three principles:
- Simple and easy. McAfee does more of the work so people don’t need to understand complex threats, security terminology or which setting they need to find.
- Personalized and proactive. McAfee surfaces timely alerts when information or devices may be at risk, with guided actions that explain what is happening and what to do next in plain language.
- Always-on and unified. Protection for personal information, connections and devices comes together in one connected experience across devices, helping people stay protected wherever their digital lives take them.
The goal is to help identify risk earlier and give people clearer guidance in the moment, reducing how much of the burden they have to carry themselves.
Navigating the New Scam Reality
Gen Z’s digital fluency has developed alongside the internet itself. Now the internet is changing again.
AI is lowering the barrier to creating realistic fake content, while many of the interactions young adults depend on, including friendships, job searches, shopping, banking and entertainment, happen online.
The answer cannot be expecting people to become experts at identifying every new AI trick.
Let McAfee do that for you.
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Example of one of the many types of delivery text scams consumers face
Example of a scam text attempting to move users to WhatsApp
Example of scammers exploiting trusted brands like T-Mobile to dupe customers





