Answer-‘Phishing’ is:

Phishing is the most prevalent cyber threat targeting bank customers. Types of Phishing Email phishing fake your account will be blocked emails with malicious links Spear phishing targeted attacks using customers name and account details Smishing SMS Your SBI account is blocked, click here Vishing voice calls impersonating bank officials asking for OTPCVV Whaling targeting senior bank executives Technical countermeasures used are SPF Sender Policy Framework, DKIM DomainKeys Identified Mail, DMARC Domain-based Message Authentication. These prevent email spoofing of bank domains. MFA ensures stolen passwords alone are useless. RBI has issued multiple customer awareness directives such as banks must never ask for OTPCVVPIN over calls. The Never share OTP campaign is a direct response to phishingvishing attacks.