Phone and internet scams have become one of Montenegro’s fastest-growing security concerns, as daily life continues shifting deeper into the digital sphere. Cybersecurity specialist Branko Džakula warns that increasingly sophisticated schemes are exploiting technology, low awareness, and human vulnerability—allowing fraudsters to access savings, personal data, or sensitive content with just a few clicks or a single careless phone response.
Džakula notes clear patterns in victim profiles: women are more often targeted with sexual harassment, while men more commonly fall victim to financial scams, though both genders can experience all forms of digital abuse.
Children and teenagers are also increasingly exposed to online peer violence, including exclusion from group chats, harassment in Viber or TikTok groups, and fake profiles created for ridicule.
The surge in digital fraud highlights a wider shift: as banking, shopping, communication, and public services move online, so do criminal networks. Montenegro’s authorities and experts continue to call for stronger digital literacy and more robust protective measures to keep pace with rapidly evolving cyber-risks.
