Albert*, a 68-year-old retiree in the Philippines, was struggling to log into the country’s Social Security System app in August last year when a man rang to offer help.The caller said he worked for the government pension fund, the website was down for maintenance and a new app had just been rolled out.To prove he was genuine, he sent Albert his full name, Social Security number, and home address over the Viber messaging app, followed by a link to the “new” app.More than an hour after Albert...