OTP (One-Time Password) and password hacking are common methods used by cyber criminals to illegally access a person’s online accounts, bank details, or personal information.
In OTP fraud, criminals trick victims into sharing their One-Time Password through fake calls, messages, or emails pretending to be from a bank, customer care service, or official company. Once the victim shares the OTP, the attacker immediately uses it to complete unauthorized transactions or take control of accounts.
Password hacking involves stealing or guessing a user’s login credentials through phishing websites, fake apps, malware, keyloggers, or social engineering techniques. Weak passwords, using the same password for multiple accounts, and clicking on suspicious links make people easy targets.
Common Techniques Used by Attackers:
Fake calls posing as bank or support staff
Phishing emails and messages with malicious links
Fake websites and mobile applications
Malware and spyware installation
Brute force attacks on weak passwords
Effects of OTP and Password Fraud:
Financial loss
Identity theft
Account takeover
Privacy violation
Mental stress
Prevention Tips:
Never share OTP or passwords with anyone
Banks and companies never ask for OTP on calls
Use strong and unique passwords
Enable two-factor authentication
Avoid clicking unknown links
Install apps only from official stores
Keep devices updated with security patches
