How Fraudsters Scam TukTuk Drivers and Grocery Store Owners in Cambodia

Technology has been rapidly transforming the way people entertain, educate, communicate, and conduct business. It has also enabled the spread of fast and lasting news. However, while technology has brought numerous benefits, it has also become a powerful tool for fraudsters and scammers. These bad actors exploit technological advancements to trick innocent people, especially those in vulnerable professions like TukTuk drivers and small business owners.

In Cambodia, two common fraud cases have been reported that target TukTuk drivers and grocery store owners. These scams rely on deceit and manipulation, causing victims to suffer financial losses and, in some cases, legal troubles. Let’s explore how these fraud schemes work and how people can protect themselves.

Story 1: Fraud Targeting TukTuk Drivers

TukTuk drivers play a crucial role in Cambodia’s transportation system, providing convenient and affordable rides for locals and tourists. Check out the real story on FB or screenshot as below:

Unfortunately, fraudsters have devised a cunning scheme to exploit these hardworking individuals.

How the Scam Works

A fraudster sets up an online shop, luring customers with attractive prices on various products. Customers place their orders and agree to pay upon delivery, thinking they’re getting a great deal. To carry out the scam, the fraudster approaches an unsuspecting TukTuk driver, pretending to need a small favor. He convinces the driver to collect cash from customers in exchange for a small commission, making himself appear trustworthy by dressing professionally—sometimes even as a bank staff member or delivery agent.

Once the TukTuk driver picks up the cash from the customer, believing it’s a routine transaction, he withdraws the money and hands it over to the fraudster. However, instead of delivering the promised goods, the fraudster vanishes. When customers realize they’ve been scammed, they report the incident to the police, providing transaction details. Since the TukTuk driver was the one who physically collected the money, authorities trace the payment back to him. With the real fraudster untraceable, the innocent driver may find himself facing legal trouble, mistakenly seen as an accomplice in the scam.

1. Online Sales Setup
   • A fraudster sets up an online shop, advertising products at attractive prices.
   • Customers place orders and agree to make payments upon delivery.
2. Involving the TukTuk Driver
   • The fraudster approaches a TukTuk driver and pretends to need a favor.
   • He asks the driver to collect cash from customers in exchange for a small commission.
   • To appear trustworthy, the fraudster wears professional attire, sometimes dressing like a bank staff member or delivery agent.
3. Transaction and Fraudulent Activity
   • The unsuspecting TukTuk driver picks up cash from customers who believe they are paying for the product.
   • The driver withdraws the cash for the fraudster and hands it over.
   • The fraudster then disappears without delivering the promised goods.
4. Legal Consequences for the Driver
   • When customers realize they have been scammed, they report the incident to the police.
   • The police trace the transaction and identify the TukTuk driver as the person who received the money.
   • Since the fraudster is untraceable, the TukTuk driver may face legal troubles, being mistakenly viewed as an accomplice in the scam.

How TukTuk Drivers Can Protect Themselves

• Never accept to collect money on behalf of strangers.
• Verify the legitimacy of the transaction by calling the customer directly.
• Insist on cashless transactions if dealing with unknown individuals.
• Ask for official documentation before agreeing to any money-handling requests.
• Report suspicious activities to the police or local authorities.

Story 2: Fraud Targeting Grocery Store Owners

Grocery stores and money exchange services are essential in local communities, but they have become prime targets for fraudsters. This particular scam involves digital payment methods, making it even more difficult to track the fraudster.

How the Scam Works

A fraudster walks into a grocery store, acting like an ordinary customer. To build trust, he purchases a small item and pays using a QR code, making it seem like a routine transaction. Once he gains the store owner’s confidence, he asks for a small favor—requesting to temporarily use the store’s QR code to receive a payment from someone else. Seeing no harm in it, the store owner agrees. Soon after, another fraudster transfers a large sum of money through the store’s QR code. The fraudster then asks the store owner or a money exchange service to withdraw the cash and hand it over. Believing the transaction to be legitimate, the store owner complies. However, once the fraudster vanishes with the cash, the original sender realizes they’ve been scammed and reports the incident to the police. Unfortunately, the store owner, who unknowingly facilitated the fraudulent transaction, is now held accountable.

1. Gaining Trust
   • A fraudster visits a grocery store and pretends to be a legitimate customer.
   • He purchases a small item and pays using a QR code payment system, appearing to be an ordinary transaction.
2. The Fake QR Code Scam
   • The fraudster asks the store owner for a favor: to temporarily use their QR code to receive a payment from someone else.
   • The store owner agrees, thinking there is no risk.
3. High-Value Transactions
   • Another fraudster sends a large amount of money through the store owner’s QR code.
   • The fraudster then requests the store owner or money exchange service to withdraw the money in cash and hand it over.
   • The store owner assumes that the transaction is legitimate and complies.
4. Escape and Aftermath
   • The fraudster disappears with the money.
   • Later, the original sender of the money claims they were scammed and reports it to the police.
   • The grocery store owner is now held accountable for facilitating the fraudulent transaction.

How Grocery Store Owners Can Protect Themselves

• Never allow strangers to use your QR code for third-party transactions.
• Always verify large transactions before withdrawing money for customers.
• Be cautious of people asking for financial favors, especially involving digital payments.
• Install security cameras to monitor and record transactions.
• Educate employees about common fraud techniques to prevent them from falling victim.
• Consult banking officials if something seems suspicious about a transaction.

Common Characteristics of These Fraudulent Schemes

Both fraud schemes share some common tactics that fraudsters use to manipulate their victims:

1. Building Quick Trust: Scammers often appear professional, polite, and trustworthy.
2. Using Third Parties: The scammer ensures the money passes through an innocent person, making tracking them harder.
3. Exploiting Technology: Digital transactions, QR codes, and online sales platforms are used to trick victims.
4. Disappearing Act: Once they get the money, the fraudster vanishes, leaving victims to deal with the consequences.

Preventing Fraud: Awareness and Vigilance

To protect oneself from falling victim to these scams, it is crucial to be vigilant and follow preventive measures:

• Verify before Acting: Whether collecting money for someone or allowing QR code transactions, always verify the legitimacy.
• Trust Your Instincts: If something feels suspicious, don’t proceed with the transaction.
• Seek Official Advice: If unsure, consult authorities, banking professionals, or experienced business owners before agreeing to handle money transactions.
• Educate the Community: Inform fellow TukTuk drivers, grocery store owners, and money exchange operators about these scams.
• Report Suspicious Activities: If you encounter a potential scam, report it immediately to the police.

National Bank of Cambodia (NBC) Warns of Scammers in Disguise

On March 22, the National Bank of Cambodia (NBC) issued a public appeal urging heightened caution before transferring money, due to a rise in cyber scams targeting individuals through platforms like Telegram, Facebook, and TikTok. Fraudsters have been using tactics such as hacking accounts or employing AI voice software to impersonate family members or friends, deceiving victims into sending money. The NBC emphasized the importance of thoroughly verifying phone numbers, account details, and IDs of recipients before making any transfers to avoid falling for such scams. The Cambodia Microfinance Association (CMA) pointed out that these scams, which initially declined during the pandemic, have resurfaced and are now impacting people’s savings and livelihoods. CMA also urged victims to report fraudulent activities to authorities, noting that scammers even impersonate legitimate financial institutions, undermining public trust in the financial system. This warning from the NBC highlights the ongoing threat of scams, which is particularly relevant to sectors like tuk-tuk drivers and grocery store owners who may be vulnerable to such deceptive schemes. Khmer Times

Stay Alert, Stay Safe

Fraudsters continuously find new ways to deceive hardworking individuals, exploiting technology and trust. TukTuk drivers and grocery store owners must stay informed about these scams to protect themselves and their livelihoods. By being cautious, verifying transactions, and spreading awareness, we can work together to prevent these fraudulent activities and ensure a safer business environment in Cambodia.

If you’ve encountered similar fraud cases or have additional safety tips, share your experiences in the comments below! Let’s help protect our community from these scams.

You can explore more reported scams cases on Facebook by clicking on HERE.