The more we are concerned about this problem, the more they are using new methods to deceive people. So we must always be aware of our online life and personal data that can be used to harm us or cause losses.
for the actual method, these scammers only use the same method and nothing has changed, because for now the methods used by these scammers are almost the same as you said, even I think for all countries the technique is like that (almost the same ).
the problem is the ignorance of many people, especially those who are really laymen and do not know that this is a fraud because until now there are still many who do not know the techniques and methods used by fraudsters to trick their victims.
maybe I think if as long as we can still tell it or remind people who are new about all forms of fraud that often occur so that people around us are more alert and not easy to be fooled by this kind of thing.