"Looking back to the 1990s and early 2000s, you needed to have a reasonable level of technical competence to pull off these types of crimes," Nicholas Court, assistant director of Interpol's Financial Crime and Anti-Corruption Centre, tells CNBC.
Today, the barriers to entry have come down "quite significantly," Court said. For example, obtaining personal data, such as email addresses, and sending them spam messages en masse — one of the oldest online scams in the book — has never been easier.
Cybersecurity experts say the change is due to advances in scam technology and the growth of organized online markets where cybercrime expertise and resources are bought and sold.