An Explainable Agentic System for Detection of Conversational Scams with Summary-Based Memory

Following the rapid progress of generative Artificial Intelligence, there is a growing threat posed by conversational scams. These scams often span over multiple weeks or months, gradually build trust and request for money or sensitive information. Existing scam-detection systems mainly focus on isolated messages, which renders them inadequate against this evolving threat. This paper extends single-message phishing detection and presents an explainable agentic system for detecting sophisticated conversational scams. It also introduces ConScamBench-278, an initial public multi-category benchmark for conversational scam detection spanning eight scam types, released to support reproducible evaluation and future expansion. On isolated messages the single-message detector attains 100% phishing recall, while the conversation-level detector identifies all conversational scams in the public LoveFraud02 corpus (83/83) and reaches 97.8% accuracy (95% CI [95.4, 99.0]) on ConScamBench-278. Two user studies (N = 100 and N = 45) further motivate the system: participants report frequently experiencing uncertainty when judging suspicious conversations. In an uncontrolled pre/post comparison, users self-reported trust, self-confidence, and perceived need for AI-based scam detection all increased (p < 0.001, Wilcoxon signed-rank). The system also receives a System Usability Scale score of 74.7 (95% CI [72.5, 76.9]), above the established usability benchmark.