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Got a bank transfer alert text? It might be a scam; here’s what to do

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Got a bank transfer alert text? It might be a scam; here’s what to do

We recently received an email from Jane, who wrote to us about a suspicious text message she received.

Her experience serves as a crucial reminder for all of us to stay alert in the face of these evolving digital threats. 

Let’s dive into Jane’s encounter and explore what it means for our financial safety in 2025.

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A person receiving a transfer alert scam text   (Kurt “CyberGuy” Knutsson)

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Jane’s alarming text: A textbook scam attempt

Jane wrote to us with the following concern:

“I just got a text from Kinecta here in California that says, ‘Transfer request of $950.44 to BRYANA WHITE has been approved. If you didn’t authorize please visit (link here) to cancel now.’ Is this a scam text? Should I be worried?”

Excellent question, Jane! Your caution is commendable, and, yes, you should be concerned. Let’s break down this scam attempt and see why it raises so many red flags.

Kinecta scam text   (Kurt “CyberGuy” Knutsson)

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Red flags: Spotting the scam

Jane’s text message exhibits several telltale signs of a scam that everyone should be aware of:

Urgency as a weapon: Scammers exploit our fear of financial loss to prompt hasty actions. They use phrases like, in this case, “Act now” or “Cancel Now” and warn of dire consequences if immediate action isn’t taken. This urgency is designed to bypass rational thinking and prevent you from verifying the legitimacy of the request.

Suspicious links: Legitimate banks avoid sending security-sensitive links via text. These links could download viruses to your device or lead you to a fake website designed to steal your personal information. Always verify the URL before entering any sensitive data.

Specific yet unfamiliar details: The mention of “Bryana White” and the precise amount of $950.44 is a clever tactic. Scammers often use specific details to create an illusion of legitimacy, even when these details are unfamiliar to the recipient. This approach aims to instill doubt and urgency, increasing the chances that the victim will act hastily.

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Brand impersonation: Scammers often employ brand impersonation tactics, using similar logos, fonts and color schemes to create a facade of legitimacy. This deceptive strategy is designed to manipulate you into believing you are interacting with a trusted institution, thereby increasing the likelihood of falling for their scam.

Unsolicited contact: Be wary of unexpected texts claiming to be from your bank, especially if you haven’t signed up for text alerts.

Spelling and grammatical errors: Look for mistakes in spelling, grammar or punctuation. Legitimate messages from banks are usually written by professionals and are free of errors.

Requests for personal information: Scammers often ask you to “confirm” details like your account number or password. Legitimate banks never request sensitive information via text.

Too good to be true offers: Be skeptical of messages promising large returns or unexpected windfalls.

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Pressure tactics: Scammers often use threatening language or impose tight deadlines to manipulate you into acting quickly without thinking.

A person receiving a scam text   (Kurt “CyberGuy” Knutsson)

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The scammer’s playbook: Objectives unveiled

These digital deceivers have 3 clear goals in mind:

  • Data theft: Luring you to fake websites to harvest login credentials.
  • Malware distribution: Tricking you into downloading malicious software.
  • Financial fraud: Manipulating you into revealing sensitive financial information.

Illustration of a scammer at work   (Kurt “CyberGuy” Knutsson)

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How to protect yourself from text scams

As scammers become increasingly sophisticated, it’s crucial to arm yourself with knowledge and take proactive steps to safeguard your personal information. Here are seven essential tips to help you stay protected:

1. Never click suspicious links in text messages: In Jane’s case, clicking the link could have led to a fake Kinecta website designed to steal her login credentials.

2. Have strong antivirus software: This can help detect and block malicious software that might be downloaded if Jane had clicked on the scammer’s link. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices.

3. Contact your bank directly using official channels: Jane should call Kinecta’s official number to verify if there’s any real issue with her account, rather than responding to the text.

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4. Report the text to your bank and forward it to 7726 (SPAM): By reporting this text, Jane can help Kinecta and her mobile carrier protect other customers from similar scams.

5. Enable two-factor authentication (2FA) on your accounts: This extra layer of security could prevent scammers from accessing Jane’s account even if they obtained her password.

6. Use SMS filtering tools provided by your mobile carrier: These tools might have caught and flagged the suspicious “Kinect” text before it reached Jane’s inbox.

7. Invest in personal data removal services: This can help reduce the amount of personal information available online, making it harder for scammers to target Jane and you with personalized attacks in the future. While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. Check out my top picks for data removal services here.

Kurt’s key takeaways

Remember, legitimate financial institutions will never pressure you to act immediately or click on links in text messages. When in doubt, always reach out to your bank directly using official channels. Thank you, Jane, for bringing this to our attention. Your vigilance not only protected you but also helps educate others. Together, we can stay one step ahead of scammers and protect our finances.

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What additional steps do you think governments, regulatory agencies like the FCC or cellular providers should take to stop the rise of scam texts and protect consumers from these malicious schemes? Let us know by writing us at Cyberguy.com/Contact

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter

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It’s amazing how good Alienware’s $350 OLED monitor is

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It’s amazing how good Alienware’s 0 OLED monitor is

I’ve recommended several OLED gaming monitors to readers over the years, and I’ve finally taken my own advice to buy one. Alienware’s new 27-inch 1440p QD-OLED has all the features that I want and a low $350 price that was too tempting to ignore.

The AW2726DM model has five things that make it stand out for the price: a 1440p QD-OLED screen with lush contrast, a fast 240Hz refresh rate, a semi-glossy screen coating to enhance details, a low-profile design without flashy RGB LEDs, and a great warranty (three years with coverage for burn-in).

I’ve been using Alienware’s new monitor for a couple days, and I’ve already spent hours with it playing Marathon. It was my first opportunity to see Bungie’s new first-person extraction shooter in its full HDR glory, and I can never go back. Switching on HDR wasn’t automatic, though it already looked so much better than my IPS panel without being activated.

Enabling it transformed how Marathon looked for the better, but made everything else about the OS look pretty washed-out. It’s a Windows issue, not an Alienware issue. It’s easy to enable HDR every time I launch a game and disable it afterward with the Windows + Alt + B keyboard shortcut, but unfortunately triggers HDR for all connected displays. This includes my IPS monitor that imbues everything with a terrible gray hue when HDR is on. So, using the system settings is the best way to adjust HDR for just the QD-OLED.

I landed on this QD-OLED after having spent a ton of time researching pricier models. The unanimous takeaway from reviewers was that LG’s Tandem RGB WOLED panels are some of the brightest out there, but also tend to exhibit lousy gray uniformity in dark scenes. QD-OLED monitors, on the other hand, offer slightly better contrast than WOLED and don’t suffer from those same uniformity issues. However, blacks sometimes appear as dark purple in bright rooms on QD-OLED panels, meaning they’re ideal for rooms that don’t have a bunch of light bouncing around.

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There’s no perfect choice, and honestly I got tired of doing research, so I jumped in with the cheapest OLED. I’m glad that I did. Shopping for an OLED gaming monitor can be hard, but it can also be this easy. AOC makes a model that’s discounted to $339.99 at the time of publishing, and its specs are comparable.

As expected, the AW2726DM isn’t a cutting-edge monitor. Its QD-OLED panel isn’t as fast or as bright as some other pricier options, and it doesn’t have USB ports for connecting accessories. Considering its low price, it’s easy for me to overlook those omissions. I’d have a much harder time accepting them in a pricier display.

The fact that I mostly use my computer for text-based work at The Verge is what prevented me from upgrading to an OLED monitor. My 1440p IPS monitor is bright, it’s good at showing text clearly, and it has a fast refresh rate for gaming. Alienware’s QD-OLED is less bright, and some might be bothered by how text looks (I have to really squint to see the slight fringing from this QD-OLED’s subpixel layout). But I have a life outside of work, which includes playing a lot of PC games. That’s the slice of myself I bought this monitor for, and I’m so happy I did.

Photography by Cameron Faulkner / The Verge

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Michael and Susan Dell surpass $1 billion in donations backing AI-driven hospital project

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Michael and Susan Dell surpass  billion in donations backing AI-driven hospital project

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Billionaire Michael Dell and his wife, Susan Dell, have become the first donors to give more than $1 billion to the University of Texas at Austin, funding a massive new medical research campus and hospital system powered by artificial intelligence.

The couple’s latest investment includes a $750 million gift to help build the UT Dell Medical Center, a planned “AI-native” hospital expected to open in 2030 as part of a more than 300-acre advanced research campus.

University officials said the project will integrate research, clinical care and advanced computing to improve early disease detection, personalize treatment and expand access to care in the rapidly growing Austin region.

The Dells’ support builds on decades of contributions to UT, including funding for its medical school, scholarships and research programs.

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Michael Dell and Susan Dell attend the Breakthrough Prize ceremony as they become the first to donate more than $1 billion to the University of Texas at Austin. ( Craig T Fruchtman/WireImage)

“By bringing together medicine, science and computing in one campus designed for the AI era, UT can create more opportunity, deliver better outcomes, and build a stronger future for communities across Texas and beyond,” Michael Dell and Susan Dell said.

The gift ranks among the largest in the history of higher education, alongside major contributions like Phil Knight’s $2 billion pledge to Oregon Health & Science University and Michael Bloomberg’s $1.8 billion donation to Johns Hopkins University.

The new UT Dell Medical Center will be developed in collaboration with MD Anderson Cancer Center, integrating cancer care into a system designed to connect prevention, diagnosis and treatment.

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The University of Texas at Austin campus at sunset. (iStock)

“We will deliver better outcomes for patients by providing research-driven cancer care that is precise, compassionate and hope-filled,” Peter WT Pisters, president of UT MD Anderson, said.

Officials said the facility will be built from the ground up to incorporate AI, rather than retrofitting older infrastructure — an approach they say could transform how hospitals operate.

Independent experts have cautioned that AI in health care can introduce risks if not carefully validated. A widely cited study published in the journal Science by researchers at the University of California, Berkeley and the University of Chicago found that a commonly used healthcare algorithm underestimated the needs of Black patients due to biased training data, highlighting broader concerns about equity in AI-driven systems.

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The project also includes funding for undergraduate scholarships, student housing and the Texas Advanced Computing Center, where officials are developing one of the nation’s most powerful academic supercomputers.

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Artificial intelligence technology is expected to play a key role in diagnosis and patient care at the planned UT Dell Medical Center. (iStock)

Texas Gov. Greg Abbott said the investment will help position the state as a national leader in healthcare innovation.

“Texas already dominates in technology, energy and business, and now we will further cement our leadership in health care innovation as well,” Abbott said.

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The university said it plans to break ground on the medical center later this year and has launched a broader campaign to raise $10 billion over the next decade.

The Associated Press contributed to this report.

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SpaceX cuts a deal to maybe buy Cursor for $60 billion

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SpaceX cuts a deal to maybe buy Cursor for  billion

SpaceX and Cursor are now working closely together to create the world’s best coding and knowledge work AI.

The combination of Cursor’s leading product and distribution to expert software engineers with SpaceX’s million H100 equivalent Colossus training supercomputer will allow us to build the world’s most useful models.

Cursor has also given SpaceX the right to acquire Cursor later this year for $60 billion or pay $10 billion for our work together.

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