They are getting better by now personalizing the information on the email, and your email address.

The only way that I am able to detect that it is a scam, is that the URL shown in the email, and the link you click is not the same text, usually very long and has a an unknown name and then a dot and then the link name, which is probably a web page on the scammers web server. This can be seen by hovering your mouse over the link to click, and looking at the bottom left hand side of your screen, it will display there.

Also usually there is an attached PDF file which is safe to open, but then they entice you to click on a link in the body of the PDF, which is the scam web address. Again hovering over the link will show the actual URL address.