Everywhere we look, we see some form of digital technology. People have access to computers, cellphones, televisions and even Wi-Fi-enabled smart appliances. Technology advances every day, giving way to exciting, innovative and life-changing experiences.

Take cellphones, for example. Not too long ago, cellphones were a luxury. They were used simply to call people — texting didn’t exist, and social media and apps had yet to be developed. The devices themselves were large, expensive and took hours to charge. Now, everyone from children to the elderly use cellphones. They come in many styles and sizes and do much more than simply send and receive calls. They also expose customers to brand new forms of identity theft and financial fraud.