Frauds, scams and schemes...  different words for the same thing. Fraud is deception intended to result in financial or personal gain. 

Scam artists have gotten better at their craft, learning sales techniques and technical details of the area they choose to perpetrate their crimes in.  Technology has made it easier for crooks to try their ploys.  They have added emails, websites, and phone calls to their bag of tricks.

The "From" in an email, Caller ID of a phone call and fake websites are easily counterfeited to look legitimate.