Core Insights - The rise of mobile payment has led to an increase in scams involving counterfeit financial institution apps, where fraudsters impersonate banks and brokerage firms to steal user information and funds [1]. Summary by Sections Common Scam Techniques - Sending phishing messages with links that impersonate banks or brokerage firms, enticing users with offers like "account upgrade" or "gift collection" [2][4]. - Inducing users to download counterfeit apps that closely resemble legitimate ones, making it difficult for ordinary users to distinguish between them [4]. - Extracting account information and SMS verification codes through fake "login authentication" and "identity verification" processes [4]. - Transferring funds through fictitious investment products, luring users into purchasing non-existent precious metal investment products [4]. Characteristics of Counterfeit Apps - Cannot be found in official app stores and are only available through QR codes or links [7]. - Display poor interface quality, including spelling errors and disorganized layouts [7]. - Request excessive mobile permissions, such as enabling accessibility services [7]. - Require transfers to personal accounts instead of corporate accounts [7]. Protective Measures - Only download financial apps from official app stores and avoid clicking on links in messages or emails [7]. - Verify developer information before downloading to ensure it is from the official financial institution [7]. - Install mobile security software to regularly scan for viruses and detect malicious programs [7]. - Enable two-factor authentication for accounts to add an extra layer of security [7]. - Regularly check account transaction records and promptly contact official customer service if any anomalies are detected [7]. - Be cautious about granting app permissions, avoiding unnecessary access to sensitive information [7]. Real Case Example - A case involving Mr. Zhang, who received a "bank" message claiming his account needed an upgrade. After clicking the link and downloading the counterfeit app, he entered his bank details, resulting in a loss of 100,000 yuan within an hour [6].