Online Scam: Fraud cases are increasing rapidly in the digital world and fraudsters have now become more clever than before. Generally people call every kind of online fraud as phishing but in reality it has many forms. Some lay the trap through email, some by sending messages and some people make victims by calling directly. These methods are called phishing, smishing and vishing. The medium may be different but the objective is the same: to obtain your personal or banking information.
What is phishing?
Phishing is the most common method which is usually done through email. Fraudsters send such messages which appear to be from a bank, government department, online shopping site or social media company. In these, excuses like warning of account closure, suspicious transaction or KYC update are made. By clicking on the link given in the email, the user reaches a fake website where he is asked for password, card details or other sensitive information.
How does smishing work?
Smishing is actually a form of phishing but instead of email, SMS or messaging app is used. Such messages are short and cause haste. For example, things like parcel being stuck, toll tax being outstanding or getting free recharge are said. The links given in these look like official websites but in reality they are fake. Since people consider mobile messages more reliable, this method is spreading rapidly.
What is wishing?
Vishing is a fraud done through phone calls. In this, the fraudsters pretend to be bank officers, police personnel, courier agents or customer care representatives. They create an atmosphere of fear or panic as if the account is about to be frozen or some illegal transaction has taken place. Then they ask for information like OTP, PIN or card number. Due to caller ID spoofing, the call may appear genuine due to which people are easily deceived.
What is the difference between the three?
In phishing, the help of email is used, in smishing, messaging platforms like SMS or WhatsApp are used, whereas in vishing, the target is targeted by making direct calls. The methods are different but the aim of all three is to steal your confidential information.
How to keep yourself safe?
To avoid online fraud, the most important thing is to be alert. If a message or call creates haste, fear or greed, think before reacting immediately. Never share OTP, PIN, CVV, password or card details over email, message or phone. Avoid clicking on unknown links and use only the official website or app.
If someone claims to be a representative of a bank or company, then instead of relying on the information given by him, verify from the official helpline number. Disconnect any suspicious calls immediately.
If you suspect fraud, immediately inform your bank and lodge a complaint on cyber helpline number 1930. Steps taken in time can reduce your losses.
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