Cyber-enabled fraud includes which of the following examples?

Cyber-enabled fraud refers to fraudulent activities that utilize digital technologies, particularly the internet, to facilitate or amplify their effects. Phishing scams are a prime example of this type of fraud. In phishing, scammers impersonate trusted entities through emails, messages, or websites to deceive individuals into revealing sensitive information such as passwords, credit card numbers, or social security numbers. This fraudulent practice exploits digital communication channels to effectively target individuals or organizations for financial gain, making it distinctly categorized as cyber-enabled fraud.

In contrast, while money laundering is often a technique used by fraudsters to make illegally obtained funds appear legitimate, it is not necessarily a cyber-enabled fraud in itself, as it can occur without the use of digital technologies. Pharmaceutical sales may also interface with digital technology for marketing and distribution purposes, but it does not inherently denote a fraudulent act. Thus, phishing scams distinctly align with the definition of cyber-enabled fraud, making this option the correct choice.