The internet has transformed how financial services work. It has brought in ease and convenience at levels we have never known before. But along with this have come the scams - clever, complicated schemes that either steal our identity and then our money or get us to willingly part with our money, and personal details. No one is exempt from this; but particularly vulnerable are the senior citizens and semi-literate population who have been forced to come to terms with a cashless society. The consumer guidance seminar on safe financial services organised by Citizen consumer civic Action Group, together with FEDCOT brought together experts to speak directly to consumers on staying safe online.