"Criminals don’t always choose victims at random. While many scams are broad and opportunistic, criminals also segment, personalize, test and refine their tactics. To understand how various groups are targeted and what financial institutions can do about it, we will begin with the psychology that drives modern scams operations. This introductory article sets the foundation for a deeper exploration of victim demographic and event specific vulnerabilities covered throughout this series — Understanding Scam Risk Across Customer Segments."