For years, scam prevention has leaned heavily on awareness. Be careful. Do not click suspicious links. Check the sender. Call the organisation directly. Do not trust urgent payment requests. Slow down before you act. These messages are useful, and they should not disappear. But awareness is no longer enough to describe what serious scam defence requires. The Scams Prevention Framework, or SPF, moves the conversation from “make users more careful” to “make the scam ecosystem harder to exploit....