A man in Singapore lost S$3,800 after falling victim to a phishing scam originating from a TikTok advertisement. Despite receiving multiple warnings and notifications from his bank regarding suspicious transactions, the man failed to take adequate action. A tribunal ruled that the man, not the bank, was liable for the financial loss. The decision cited a “sustained course of omissions” and determined his inaction constituted gross negligence. The tribunal emphasized the individual’s responsibility to protect his financial information and respond to bank alerts. This case highlights the increasing prevalence of scams on social media platforms and the importance of vigilance regarding online security. The ruling serves as a cautionary tale for consumers to be proactive in safeguarding their accounts.