"Hello, this is your bank. We noticed a suspicious transaction. To cancel it, please read me the code we just sent you." Sounds helpful, right. That code is the key to your account.

1. Social Engineering: Hacking People, Not Phones

• The Vibe: Why pick a lock when you can just ask the owner to open the door. Scammers trick you into letting them in.
• The Simple Example: Someone calls claiming to be from your e-wallet. They know your name and say your account will be frozen in 10 minutes unless you "verify" it now.
• Red Flags: Panic and pressure, a deadline in minutes, and contact from a personal WhatsApp number.

2. OTP: The One-Time Secret

• The Vibe: An OTP is like a one-day house key. Hand it over, and someone else walks in while you're "on hold."
• The Simple Example: You read out the 6-digit code. Two minutes later, your balance is moved out and your password is changed.
• Pro Tip: Real banks and apps will never ask for your OTP. Not by phone, not by chat, not even "for verification."

Anyone asking for your OTP is not your friend. Today, save your bank's official call center number in your contacts so you can call back the real one.