I was at the grocery store last week and the senior citizen behind me had a handful of $100 bills and some gift cards or prepaid credit cards, couldn't tell which. I was immediately concerned if she was getting scammed.

What do you do? What does the retailer do? I went and asked a manager if they have any procedure to ensure the woman was not getting scammed. The manager said they have no procedure and cannot interfere. I let it go. I can only hope the woman wasn't getting scammed.

However, for the future, banks and retailers need to adopt procedures to prevent senior citizens, or anyone, from losing there savings to a scammer.

With cybercrime continuing to rise, some banks are testing new prevention strategies. JPMorgan Chase hired a behavioral scientist.