Thank you. The fact that it is occurring outside of EE does not materially prove that there is no 'inside' involvement. Criminality is far more sophisticated than that; and I know some people who have worked on both sides of the fence... You have no idea how bold I am, and certainly cannot second guess what knowledge basis I have!
Of course, the recent advances in AI mean that scamming is very clever and realistic. However, the replication of the graphics and user interface is so good that it was either copied and AI generated or was used directly by a highly skilled employee/ former employee.
