If your older loved ones still think “phishing” happens on a boat, it might be time for the talk.

No, not that one. We’re talking about the “Safe Tech Talk”. And according to the latest Avast Safe Tech Report, it’s one that’s urgently needed.

Consumer cybersecurity brand Avast surveyed more than 1,000 New Zealanders earlier this year and found a striking trend: while nearly half (46%) of us say our older loved ones have already fallen victim to online threats like scams, malware or fraud, many families still haven’t had a real conversation about how to prevent it.

If you’re juggling work, kids and finances while helping your parents navigate the digital world, this one’s for you.

Same hackers, new tricks

Scammers have gone digital in a big way, and older Kiwis are firmly in their sights. Fake tech support messages, phishing emails, invoice scams, romance hoaxes and even deepfake videos are now part of a rapidly evolving scam landscape. Many older adults, despite being engaged online through email, social media and messaging platforms, are still vulnerable to these tactics, not because they’re incapable, but because the rules of the digital world keep shifting.

The report found that 26% of scam victims had lost money, 17% experienced financial fraud, and 7% had their identities stolen. These aren’t just numbers. They’re parents, grandparents and neighbours facing real-life consequences.

What’s getting in the way?

A hefty 84% of people with older family members say they’ve tried to warn them about risky online behaviour. But only around half of those on the receiving end actually changed their habits. Some didn’t understand the advice, others didn’t take it seriously, and a few just nodded politely and carried on as usual.

Lax password hygiene is one of the biggest issues. A full 44% of older adults are still writing them on paper. Add to that risky habits like clicking suspicious links or downloading unfamiliar apps and it’s easy to see why online safety is a growing concern.

It’s a conversation, not a lecture

The last thing any of us wants is to come across as bossy, patronising or alarmist when we’re trying to help.

According to Mark Gorrie, Avast’s APAC Managing Director, respect is paramount. “Older adults genuinely want to stay safe online,” he says. “But they weren’t raised with

this technology where the rules are constantly changing. The report shows that small behaviours can open the door to massive fraud. That’s why families need to talk about it, openly and often.”

“Nearly half (49%) of Kiwis with older loved ones agree that [their elders] are susceptible to believing false or fraudulent information they see online. These conversations can be tricky, but we have to keep trying. The key is patience, respect, and making it a two-way exchange rather than a lecture,” he says.

It’s a fair point. No one likes to be told what to do, especially by their kids. But, like all conversations about potentially sensitive topics, the Safe Tech Talk is best when it’s open, honest, and ongoing.

Five simple ways to help your loved ones stay safe online

1. Make it a conversation, not a lesson

Share your own experiences, even the dumb mistakes, and ask questions about how your loved ones use their devices. If you’ve spotted a new scam, tell them about it and explain why it’s tricky.

2. Level up password protection

Long, strong, and unique is the password gold standard. Encourage the use of password managers and explain why it’s better than reusing the same one (or writing them down next to the computer).

3. Spot the red flags together

Teach the tell-tale signs of scams: messages that create urgency, ask for personal information, or claim to be from banks or government departments. Encourage a “pause and check” habit before clicking.

4. Add a digital safety net

Help them install trustworthy security software on phones, tablets and computers. Keep devices updated and consider secure browsers that filter scam sites before they load.

5. Create a “Phone-a-Friend” plan

If your parent or older relative isn’t sure whether something is legit, encourage them to reach out before they click. Just having that safety valve can make a world of difference.

Don’t wait for a wake-up call

Whether your loved ones are total tech converts or still easing their way in, the time to talk is now. Make it light. Make it regular. And make it about working together, not pointing fingers.

You can find helpful resources, conversation starters and a printable flyer to stick on the fridge at: blog.avast.com/fighting-scams-together