<![CDATA[Phishing attacks are a major cyber threat, with more than 30% of incidents occurring via social media platforms, especially short message services. This study evaluates deep learning approaches for automated phishing detection using BERT and Hybrid (BERT-LSTM) architectures fine-tuned on 15950 annotated SMS. The BERT-only model achieved superior performance (F1 0.9928, recall 0.9952, AUC 0.999) with no statistically significant improvement from adding BiLSTM layers (0.0006). K-fold cross-validation demonstrated robust generalisation (coefficient of variation 0.10%). Dataset saturation analysis indicated that 15,950 SMS are sufficient for effective transfer learning. Mild overfitting (6.3x loss ratio) remained within acceptable bounds and did not affect validation metrics. The 1.77% false positive rate and 99.52% recall enable practical deployment for production phishing defence. Results demonstrate that transfer learning with BERT achieves production-grade performance while challenging conventional assumptions about architectural complexity.]]>
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