The inconvenient truth is that the processes companies have developed to spare us from hassle and inconvenience can be exploited by criminals to get their hands on our money.

SIM — subscriber identity module — swaps are a prime example. That SIM is your link to your cellphone number, no matter what device you put it into, and it enables you to not only communicate but to access and transfer funds out of your bank accounts by means of one-time passwords (OTPs) sent by your bank...

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