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Smarter Scams, Sharper Awareness: How to Recognize and Prevent Financial Fraud in the Digital Age




Fraud has evolved into a calculated industry powered by technology, psychology, and precision targeting. Gone are the days when scams could be spotted through broken English or unrealistic offers alone. Today’s fraudsters combine emotional pressure with digital sophistication, creating schemes that appear legitimate and convincing. Understanding how these scams work, and knowing how to respond, is essential for protecting your family’s hard-earned savings.


The Changing Nature of Scams

Modern scams are not just technical traps, they are psychological manipulations. Criminals no longer rely solely on phishing links or counterfeit banking apps. They now use social engineering tactics, appealing to trust, fear, or greed. A scam might start with a call pretending to be from a government agency, an email about a limited investment opportunity, or a message warning that your bank account is at risk. Each of these is designed to create panic or urgency so that victims act before they think.

A typical fraud cycle follows a simple pattern: an urgent message, a seemingly legitimate explanation, and a request for sensitive action, such as sharing a one-time password, installing a new app, or transferring funds “temporarily” to another account. Once the victim complies, the attacker vanishes, leaving financial and emotional loss behind.

Experts note that the most dangerous scams often appear credible because they mimic official communication styles, use verified-looking logos, and even operate fake customer support numbers. The sophistication makes these schemes particularly hard to spot, especially for first-time investors or non-technical individuals.


Key Red Flags You Should Never Ignore

1. Unrealistic returns or guarantees: If a company claims you can make quick, risk-free profits or shows charts with consistent gains, it’s likely a setup. Real investments fluctuate; only scammers promise certainty.

2. Pressure to act immediately: Whether it’s “only minutes left to invest” or “pay now to avoid penalties,” urgency is a manipulative tactic designed to prevent logical evaluation.

3. Requests to switch apps or accounts: Authentic businesses never ask customers to transfer funds into personal or unfamiliar accounts or to download unverified applications.

4. Emotional storylines: Fraudsters know how to exploit emotions. They may pretend to be in love, offer fake job opportunities, or issue fabricated legal threats, all aimed at overriding rational thinking.

5. Asking for security codes or OTPs: No genuine financial institution or digital platform will ever ask for these details. Sharing them gives scammers direct access to your accounts.


Simple Steps to Build Financial Safety

Protection from scams starts with discipline and awareness rather than advanced technology.

• Take a moment before responding. Don’t act out of panic. Pause, think, and verify before clicking or transferring money.

• Verify independently. If a message or call appears urgent, reach out to the organization using contact details from their official website, not from the message itself.

• Activate alerts and monitor accounts. Keep an eye on all transactions. Early detection of suspicious activity can prevent larger losses.

• Use multi-layered security. Enable multi-factor authentication on all major financial accounts, preferably using hardware security keys or authentication apps instead of SMS codes.

• Keep your digital environment clean. Regularly update your devices, operating systems, and browsers, and use trusted antivirus software to block potential malware.

• Install apps only from reliable sources. Avoid downloading apps or investment platforms shared through personal messages or unverified websites.

• Educate your family. Many scam victims are older adults who may hesitate to talk about it. Encourage open communication and make sure they know how to recognize suspicious requests.


Awareness Is the New Security

Technology gives fraudsters global reach, but it also equips users with tools to fight back. Secure authentication systems, anti-phishing filters, and real-time transaction alerts are valuable but they work best when combined with personal vigilance.

Think of security like investment diversification: no single tool provides complete protection. A strong defense requires a mix of cautious behavior, verification habits, and awareness of evolving threats.


Your Takeaway

Scammers are adapting faster than ever, blending emotional manipulation with technical skill. The best way to counter them is to slow down, question everything that seems urgent or “too good to miss,” and confirm information before taking action.

Protecting your family’s financial wellbeing isn’t just about saving or investing wisely, it’s about staying alert, informed, and proactive. Remember: genuine institutions will never rush you, threaten you, or ask for confidential information. The smartest investment today is in your awareness.


Passkeys vs Passwords: Why Passkeys Are the Future of Secure Logins

 

Passwords have long served as the keys to our digital world—granting access to everything from social media to banking apps. Yet, like physical keys, they can easily be lost, copied, or stolen. As cyber threats evolve, new alternatives such as passkeys are stepping in to offer stronger, simpler, and safer ways to log in.

Why passwords remain risky

A password is essentially a secret code you use to prove your identity online. But weak password habits are widespread. A CyberNews report revealed that 94% of 19 billion leaked passwords were reused, and many followed predictable patterns—think “123456,” names, cities, or popular brands.

When breaches occur, these passwords spread rapidly, leading to account takeovers, phishing scams, and identity theft. In fact, hackers often attempt to exploit leaked credentials within an hour of a breach.

Phishing attacks—where users are tricked into entering their passwords on fake websites—continue to rise, with more than 3 billion phishing emails sent daily worldwide.

Experts recommend creating unique, complex passwords or even memorable passphrases like “CrocApplePurseBike.” Associating it with a story can help you recall it easily.

Enter passkeys: a new way to log in

Emerging around four years ago, passkeys use public-key cryptography, a process that creates two linked keys—one public and one private.

  • The public key is shared with the website.

  • The private key stays safely stored on your device.

When you log in, your device signs a unique challenge using the private key, confirming your identity without sending any password. To authorize this action, you’ll usually verify with your fingerprint or face ID, ensuring that only you can access your accounts.

Even if the public key is stolen, it’s useless without the private one—making passkeys inherently phishing-proof and more secure. Each passkey is also unique to the website, so it can’t be reused elsewhere.

Why passkeys are better

Passkeys eliminate the need to remember passwords or type them manually. Since they’re tied to your device and require biometric approval, they’re both more convenient and more secure.

However, the technology isn’t yet universal. Compatibility issues between platforms like Apple and Microsoft have slowed adoption, though these gaps are closing as newer devices and systems improve integration.

The road ahead

From a cybersecurity perspective, passkeys are clearly the superior option—they’re stronger, resistant to phishing, and easy to use. But widespread adoption will take time. Many websites still rely on traditional passwords, and transitioning millions of users will be a long process.

Until then, maintaining good password hygiene remains essential: use unique passwords for every account, enable multi-factor authentication, and change any reused credentials immediately.

Arctic Wolf Report Reveals IT Leaders’ Overconfidence Despite Rising Phishing and AI Data Risks

 

A new report from Arctic Wolf highlights troubling contradictions in how IT leaders perceive and respond to cybersecurity threats. Despite growing exposure to phishing and malware attacks, many remain overly confident in their organization’s ability to withstand them — even when their own actions tell a different story.  

According to the report, nearly 70% of IT leaders have been targeted in cyberattacks, with 39% encountering phishing, 35% experiencing malware, and 31% facing social engineering attempts. Even so, more than three-quarters expressed confidence that their organizations would not fall victim to a phishing attack. This overconfidence is concerning, particularly as many of these leaders admitted to clicking on phishing links themselves. 

Arctic Wolf, known for its endpoint security and managed detection and response (MDR) solutions, also analyzed global breach trends across regions. The findings revealed that Australia and New Zealand recorded the sharpest surge in data breaches, rising from 56% in 2024 to 78% in 2025. Meanwhile, the United States reported stable breach rates, Nordic countries saw a slight decline, and Canada experienced a marginal increase. 

The study, based on responses from 1,700 IT professionals including leaders and employees, also explored how organizations are handling AI adoption and data governance. Alarmingly, 60% of IT leaders admitted to sharing confidential company data with generative AI tools like ChatGPT — an even higher rate than the 41% of lower-level employees who reported doing the same.  

While 57% of lower-level staff said their companies had established policies on generative AI use, 43% either doubted or were unaware of any such rules. Researchers noted that this lack of awareness and inconsistent communication reflects a major policy gap. Arctic Wolf emphasized that organizations must not only implement clear AI usage policies but also train employees on the data and network security risks these technologies introduce. 

The report further noted that nearly 60% of organizations fear AI tools could leak sensitive or proprietary data, and about half expressed concerns over potential misuse. Arctic Wolf’s findings underscore a growing disconnect between security perception and reality. 

As cyber threats evolve — particularly through phishing and AI misuse — complacency among IT leaders could prove dangerous. The report concludes that sustained awareness training, consistent policy enforcement, and stronger data protection strategies are critical to closing this widening security gap.

ClickFix Attack Tricks Users into Infecting Their Own Devices

 

Cybercriminals are increasingly using a social engineering attack called ClickFix, which manipulates victims into unknowingly initiating cyberattacks on their own systems. According to Microsoft’s 2025 Digital Defense Report, ClickFix has become the most common initial access technique, recorded in 47% of attacks tracked by Microsoft Defender Experts over the past year. This rise is largely attributed to attackers’ growing ability to bypass traditional anti-phishing protections and successfully exploit human behavior.

What is ClickFix?

ClickFix is a deceptive tactic that capitalizes on users' desire to solve perceived simple technical problems. It typically starts with a phishing email or fraudulent website designed to look like a legitimate service—one notable example was seen in spoofed Booking.com emails during the 2024 holiday season. 

The victim is prompted through a fake notification to resolve an issue, often by copying and pasting a code snippet or clicking through a sequence mimicking technical support instructions. Unbeknownst to the user, these instructions result in executing malicious PowerShell or mshta.exe commands, which launch malware directly into system memory—bypassing the need for a downloaded file and evading common antivirus solutions.

Changing threat landscape

ClickFix is especially concerning because it reflects a broader shift in cybercriminal tactics: exploiting human psychology over technical vulnerabilities. Security vendors highlight that this trend is amplified by the use of artificial intelligence, which enables attackers to craft highly convincing phishing lures and even simulate full conversation threads for business email compromise schemes. 

The payloads delivered through ClickFix attacks are diverse and dangerous, including ransomware, information stealers, remote access trojans (RATs), and worms such as Xorm, Danabot, and NetSupport RAT. Reports from security vendors indicate a 500% surge in ClickFix incidents in the first half of 2025, making up an estimated 8% of all attacks during that period.

Defense strategies and user awareness

Traditional defenses based on blocking suspicious attachments, network traffic, or sender domains cannot reliably stop ClickFix. Instead, organizations and individuals must focus on behavioral change: never follow unsolicited technical instructions without independent verification, and always treat requests for manual intervention—like pasting unfamiliar code—with skepticism.

Security awareness training and updated incident response plans are crucial for combating this new wave of attacks. As threat actors continue to refine their methods, education and skepticism remain the frontline defenses against self-induced cyber threats.

Fake Breach Alerts Target LastPass and Bitwarden Users to Hijack PCs

 

An ongoing phishing campaign is targeting users of LastPass and Bitwarden with fake breach alerts designed to install remote access tools on victims’ systems. The emails falsely claim that both password managers suffered security incidents and urge users to download a “more secure” desktop application to protect their data.

LastPass confirmed it was not hacked and labeled the messages as social engineering attempts meant to create urgency and prompt users to install malicious software. The campaign began over a holiday weekend to exploit reduced IT staffing and delay detection. Fake emails were sent from domains like hello@lastpasspulse[.]blog and hello@lastpasjournal[.]blog, mimicking official communication.

Similarly, Bitwarden users received nearly identical messages from hello@bitwardenbroadcast.blog, using the same urgent tone and lure of a secure desktop app update. Cloudflare has since blocked the phishing landing pages, identifying them as malicious.

The downloaded binaries install Syncro, a legitimate remote monitoring and management (RMM) tool, which then deploys ScreenConnect to enable remote access to the infected device. The Syncro agent is configured to hide its system tray icon and check in with the attacker’s server every 90 seconds, maintaining stealth. It disables security agents from Emsisoft, Webroot, and Bitdefender and avoids deploying other bundled tools like Splashtop or TeamViewer, focusing solely on gaining remote control.

Once connected via ScreenConnect, attackers can deploy additional malware, exfiltrate data, and access stored credentials from password managers. Syncro clarified that its platform was not breached; instead, attackers created a fraudulent MSP account to abuse the service. A separate phishing wave targeted 1Password users with similar tactics, redirecting them to onepass-word[.]com through a malicious email sent from watchtower@eightninety[.]com. 

Cybersecurity experts stress that users should never respond to such alerts via email and should verify security news only through official company websites and communications. Companies do not request master passwords, and any such demand is a definitive sign of phishing.

Phishing Campaign Uses Fake PyPI Domain to Steal Login Credentials


Phishing campaign via fake domains

A highly advanced phishing campaign targeted maintainers of packages on the Python Package Index (PyPI), utilizing domain confusion methods to obtain login credentials from unsuspecting developers. The campaign leverages fake emails made to copy authentic PyPI communications and send recipients to fake domains that mimic the genuine PyPI infrastructure.

Campaign tactic

The phishing operation uses meticulously drafted emails that ask users to confirm their email address for “account maintenance and security reasons,” cautioning that accounts will be suspended if not done. 

These fake emails scare users, pushing them to make hasty decisions without confirming the authenticity of the communication. The phony emails redirect the victims to the malicious domain pypi-mirror.org, which mimics the genuine PyPI mirror but is not linked to the Python Software Foundation.

Broader scheme 

This phishing campaign highlights a series of attacks that have hit PyPi and similar other open-source repositories recently. Hackers have started changing domain names to avoid getting caught. 

Experts at PyPI said that these campaigns are part of a larger domain-confusion attack to abuse the trust relationship inside the open-source ecosystem.

The campaign uses technical deception and social engineering. When users open the malicious links, their credentials are stolen by the hackers. 

Domain confusion

The core of this campaign depends upon domain spoofing. The fake domain uses HTTPS encoding and sophisticated web design to build its authority, which tricks users who might not pay close attention while accessing these sites. The malicious sites mimic PyPI’s login page with stark reality, such as professional logos, form elements, and styling, giving users an authentic experience. 

This level of detail in the craft highlights robust planning and resource use by threat actors to increase the campaign’s effectiveness.

How to stay safe?

Users are advised to not open malicious links and pay attention while using websites, especially when putting in login details. 

“If you have already clicked on the link and provided your credentials, we recommend changing your password on PyPI immediately. Inspect your account's Security History for anything unexpected. Report suspicious activity, such as potential phishing campaigns against PyPI, to security@pypi.org,” PyPI said in the blog post.

Phishing Expands Beyond Email: Why New Tactics Demand New Defences

 


Phishing has long been associated with deceptive emails, but attackers are now widening their reach. Malicious links are increasingly being delivered through social media, instant messaging platforms, text messages, and even search engine ads. This shift is reshaping the way organisations must think about defence.


From the inbox to every app

Work used to be confined to company networks and email inboxes, which made security controls easier to enforce. Today’s workplace is spread across cloud platforms, SaaS tools, and dozens of communication channels. Employees are accessible through multiple apps, and each one creates new openings for attackers.

Links no longer arrive only in email. Adversaries exploit WhatsApp, LinkedIn, Signal, SMS, and even in-app messaging, often using legitimate SaaS accounts to bypass email filters. With enterprises relying on hundreds of apps with varying security settings, the attack surface has grown dramatically.


Why detection lags behind

Phishing that occurs outside email is rarely reported because most industry data comes from email security vendors. If the email layer is bypassed, companies must rely heavily on user reports. Web proxies offer limited coverage, but advanced phishing kits now use obfuscation techniques, such as altering webpage code or hiding scripts to disguise what the browser is actually displaying.

Even when spotted, non-email phishing is harder to contain. A malicious post on social media cannot be recalled or blocked for all employees like an email. Attackers also rotate domains quickly, rendering URL blocks ineffective.


Personal and corporate boundaries blur

Another challenge is the overlap of personal and professional accounts. Staff routinely log into LinkedIn, X, WhatsApp, or Reddit on work devices. Malicious ads placed on search engines also appear credible to employees browsing for company resources.

This overlap makes corporate compromise more likely. Stolen credentials from personal accounts can provide access to business systems. In one high-profile incident in 2023, an employee’s personal Google profile synced credentials from a work device. When the personal device was breached, it exposed a support account linked to more than a hundred customers.


Real-world campaigns

Recent campaigns illustrate the trend. On LinkedIn, attackers used compromised executive accounts to promote fake investment opportunities, luring targets through legitimate services like Google Sites before leading them to phishing pages designed to steal Google Workspace credentials.

In another case, malicious Google ads appeared above genuine login pages. Victims were tricked into entering details on counterfeit sites hosted on convincing subdomains, later tied to a campaign by the Scattered Spider group.


The bigger impact of one breach

A compromised account grants far more than access to email. With single sign-on integrations, attackers can reach multiple connected applications, from collaboration tools to customer databases. This enables lateral movement within organisations, escalating a single breach into a widespread incident.

Traditional email filters are no longer enough. Security teams need solutions that monitor browser behaviour directly, detect attempts to steal credentials in real time, and block attacks regardless of where the link originates. In addition, enforcing multi-factor authentication, reducing unnecessary syncing across devices, and educating employees about phishing outside of email remain critical steps.

Phishing today is about targeting identity, not just inboxes. Organisations that continue to see it as an email-only problem risk being left unprepared against attackers who have already moved on.


Massive NPM Supply-Chain Attack Reaches Millions, Nets Hackers Less Than $1,000

 

The largest supply-chain attack in NPM ecosystem history impacted approximately 10% of cloud environments after attackers compromised maintainer Josh Junon's account through a phishing campaign, yet generated minimal profits for the perpetrators. 

The attack began when Junon fell victim to a password reset phishing lure, allowing threat actors to access his NPM account and push malicious updates to highly popular packages including chalk and debug-js, which collectively receive over 2.6 billion weekly downloads. The attackers embedded cryptocurrency-stealing malware that redirected Ethereum and Solana transactions to attacker-controlled wallets.

The compromise's reach was staggering, with Wiz security researchers finding that the targeted packages served as fundamental building blocks in 99% of cloud environments. During the two-hour window before discovery and removal, the malicious packages were downloaded by roughly 10% of cloud environments, demonstrating the rapid propagation potential of supply-chain attacks. 

Despite the massive scale and widespread impact, the attackers' financial gains were surprisingly modest. Security Alliance analysis revealed the malicious code specifically targeted browser environments, hooking cryptocurrency signing requests to perform crypto-jacking operations. The attackers managed to steal only five cents worth of ETH and $20 of an obscure memecoin initially.

Socket researchers later expanded the investigation, discovering the same phishing campaign had compromised DuckDB's maintainer account with identical crypto-stealing code. Their comprehensive analysis traced total profits across all attacker wallets to approximately $429 in Ethereum, $46 in Solana, and small amounts in Bitcoin, Tron, Bitcoin Cash, and Litecoin, totaling roughly $600 . 

The limited payload targeting only cryptocurrency transactions likely prevented a more catastrophic security incident. Attackers could have deployed reverse shells, facilitated lateral network movement, or installed destructive malware given their privileged access . 

 
While companies invested significant hours in cleanup, rebuilding, and security auditing following the incident, the actual security implications remained minimal. The attacker wallets containing substantial amounts have been flagged by security services, further limiting the perpetrators' ability to convert or utilize their meager gains. 

This incident highlights both the vulnerability of open-source ecosystems to social engineering attacks and the potential for widespread impact even when financial motivation proves unsuccessful.

MostereRAT Malware Leverages Evasion Tactics to Foil Defenders

 


Despite the fact that cybercrime has become increasingly sophisticated over the years, security researchers have uncovered a stealthy phishing campaign in which a powerful malware strain called MostereRAT was deployed. This remote access trojan allows attackers to take full control of infected systems in the same way they would normally operate them, as though they were physically a part of them. 

It has recently been revealed that the campaign is being carried out by Fortinet's FortiGuard Labs using an array of advanced evasion techniques to bypass traditional defenses and remain undetected for extended periods of time. This operation was characterized by the unconventional use of Easy Programming Language (EPL) as a visual programming tool in China that is seldom used to carry out such operations. 

Through its use, staged payloads were constructed, malicious activity was obscured, and security systems were systematically disabled. Researchers report that these phishing emails, which are primarily targeted at Japanese users with business related lures, have been shown to lead victims to booby-trapped documents embedded within ZIP archives, and this ultimately allowed the deployment of MostereRAT to be possible. 

A malware campaign designed to siphon sensitive information from a computer is incredibly sophisticated, as it extends its reach by installing secondary plugins, secures its communication with mutual TLS (mTLS), and even installs additional remote access utilities once inside a computer, highlighting the campaign's calculated design and danger of adaptability once it enters the system. 

As FortiGuard Labs identified the threat, it is believed that the campaign distinguishes itself by its layered approach to advanced evasion techniques that can make it very difficult for it to be detected. It is noteworthy that the code is written in a language called Easy Programming Language (EPL) — a simplified Chinese based programming language that is rarely used in cyberattacks — allowing attackers to conceal the malicious activity by staging the payload in multiple steps. 

With MostereRAT, a command-and-control system can be installed on an enterprise network, and it demonstrates that when deployed, it can disable security tools, block antivirus traffic, and establish encrypted communications with the C2 infrastructure, all of which are accomplished through mutual TLS (mTLS). Infection chains are initiated by phishing emails that are crafted to appear legitimate business inquiries, with a particular emphasis on Japanese users. 

In these messages, unsuspecting recipients are directed to download a Microsoft Word file that contains a hidden ZIP archive, which in turn executes a hidden payload in the form of a hidden file. Decrypting the executable's components, installing them in the system directory, and setting up persistence mechanisms, some of which operate at SYSTEM-level privileges, so that control can be maximized. 

Moreover, the malware displays a deceptive message in Simplified Chinese claiming that the file is incompatible in order to further disguise its presence. This tactic serves as a means of deflecting suspicion while encouraging recipients to try to access the file in a more secure manner. As well as these findings, researchers noted that the attack flows and associated C2 domains have been traced to infrastructure first reported by a security researcher in 2020, as part of a banking trojan. 

However, as the threat has evolved, it has evolved into a fully-fledged remote access program called MostereRAT. 

Yurren Wan, the researcher at FortiGuard Labs, emphasized that the campaign was of a high severity, primarily because it integrated multiple advanced techniques in order to allow adversaries to stay undetected while in control of compromised systems, while maintaining complete control of the system at the same time. 

Using legitimate remote access tools to disguise their activity, attackers are able to operate in plain sight by enabling security defenses and disguising activity. It was noted by Wan that one of the most distinctive aspects of this campaign is its use of unconventional methods. For example, it is coded in Easy Programming Language (EPL), intercepts and blocks antivirus traffic at the network level, and can even escalate privileges to the level of Trusted Installer—capabilities that are rarely found in standard malware attacks. 

A MostereRAT exploit can be used to record keystrokes, exfiltrate sensitive data, create hidden administrator accounts, and make use of tools such as AnyDesk and TightVNC in order to maintain persistence over the long term over a target system once it becomes active. According to Wan, defense against such intrusions requires a layered approach that combines advanced technical safeguards with sustained user awareness. 

Additionally, he said that companies should ensure that their FortiGate, FortiClient, and FortiMail deployments are protected by the latest FortiGuard security patches, while channel partners can do the same by providing guidance to customers on how to implement a managed detection and response strategy (MDR) as well as encouraging them to take advantage of training courses such as the free Fortinet Certified Fundamentals (FCF) course in order to strengthen defenses further. 

At Deepwatch, Lauren Rucker, senior cyber threat intelligence analyst, emphasized that browser security is a crucial line of defense against phishing emails that are at the heart of the campaign. In the meantime, the risk of escalation to SYSTEM or TrustedInstaller can be reduced significantly if automatic downloads are restricted and user privilege controls are tightened. As soon as MostereRAT has been installed, it utilizes multiple techniques to undermine computer security. 

As a result of mostereRAT, Microsoft Updates have been disabled, antivirus processes have been terminated, and security software cannot communicate with their servers. By impersonating the highly privileged TrustedInstaller account, the malware escalates privileges, allowing attackers to take over the system almost completely. 

James Maude, the acting chief technology officer at BeyondTrust, explained that the campaign relies on exploiting overprivileged users and endpoints that don't have strong application control as a result of combining obscure scripting languages with trusted remote access tools. 

ManyereRAT is known for maintaining extensive lists of targeted security products, such as 360 Safe, Kingsoft Antivirus, Tencent PC Manager, Windows Defender, ESET, Avira, Avast, and Malwarebytes, among others. This application utilizes Windows Filtering Platform (WFP) filters in order to block network traffic from these tools, effectively preventing them from reaching their vendors' servers to send detection alerts or telemetry. 

In addition, researchers found that another of the malware's core modules, elsedll.db, enabled robust remote access to remote computers by utilizing mutual TLS (mTLS) authentication, and supported 37 distinct commands ranging from file manipulation and payload delivery to screen capture and user identification. It is very concerning that the malware is deliberately installing and configuring legitimate software tools like AnyDesk, TightVNC, and RDP Wrapper to create hidden backdoors for long-term usage. 

To maintain exclusive control over these utilities, attackers stealthily modify the registry, conceal themselves as much as possible, and remain invisible to system users. The experts warn that the campaign represents an important evolution in remote access trojans in that it combined advanced evasion techniques with social engineering as well as legitimate tool abuse to achieve persistent compromise, highlighting the importance of maintaining a high level of security, enforcing strict endpoint controls, and providing ongoing user awareness training in order to avoid persistent compromise. 

There has been a significant evolution in cybercriminal operations, with many campaigns combining technical innovation with thoughtful planning, since the discovery of MostereRAT underscores the fact that cybercriminals have stepped beyond rudimentary malware to create sophisticated campaigns. As a company, the real challenge will be to not only deploy updated security products, but also adopt a layered, forward-looking defense strategy that anticipates such threats before they become a problem. 

A number of measures, such as tightening user privilege policies, improving browser security, as well as increasing endpoint visibility, can help minimize exposure, however, regular awareness programs remain crucial in order to reduce the success rate of phishing lures and prevent them from achieving maximum success. 

Furthermore, by partnering with managed security providers, organizations can gain access to expertise in detection, response, and continuous monitoring that are difficult to maintain in-house by most organizations. It is clear that adversaries will continue to exploit overlooked vulnerabilities and legitimate tools to their advantage in the future, which is why threats like MostereRAT are on the rise. 

In this environment, resilient defenses and cyber capabilities require more than reactive fixes; they require a culture of preparedness, disciplining operational practices, and a commitment to stay one step ahead within the context of a threat landscape that continues to grow rapidly.

SVG Phishing Campaign Bypasses Antivirus, Targets Colombian Judiciary

 

VirusTotal has uncovered a sophisticated phishing campaign that leverages SVG (Scalable Vector Graphics) files to bypass traditional antivirus detection while impersonating Colombia's judicial system. The campaign was discovered after VirusTotal added SVG support to its AI Code Insight platform, which uses machine learning to analyze suspicious behavior in uploaded files. 

Campaign discovery and scale 

The malicious SVG files initially showed zero detections by conventional antivirus scans but were flagged by VirusTotal's AI-powered Code Insight feature for suspicious JavaScript execution and HTML rendering capabilities. Following the initial discovery, VirusTotal identified 523 previously uploaded SVG files that were part of the same campaign, all of which had evaded detection by traditional security software. 

Modus operandi 

The SVG files exploit the element to display HTML content and execute JavaScript when loaded. These files create convincing fake portals impersonating Colombia's Fiscalía General de la Nación (Office of the Attorney General), complete with case numbers, security tokens, and official government branding to build victim trust. 

When users interact with these fake portals, they see a phony download progress bar that simulates an official government document download process. While victims believe they are downloading legitimate legal documents, the malware simultaneously triggers the download of a password-protected ZIP archive in the background . 

Malware payload

Analysis of the extracted ZIP files reveals a multi-component attack containing four files: a legitimate Comodo Dragon web browser executable renamed to appear as an official judicial document, a malicious DLL, and two encrypted files. When the user opens the executable, the malicious DLL is sideloaded to install additional malware on the system. 

Evasion techniques

The campaign demonstrates sophisticated evasion tactics including obfuscation, polymorphism, and substantial amounts of dummy code designed to increase file entropy and avoid static detection methods. The attackers evolved their payloads over time, with earlier samples being larger (around 25 MB) and later versions becoming more streamlined. 

Detection challenges

SVG files present unique security challenges because they can contain executable JavaScript while appearing as harmless image files to users and many security tools. Traditional antivirus solutions struggle to analyze the XML-based SVG format effectively, making AI-powered behavioral analysis crucial for detection. 

The campaign highlights the growing trend of threat actors exploiting SVG files for phishing attacks, as these files can embed malicious scripts that execute automatically while maintaining the appearance of legitimate graphics. VirusTotal's AI Code Insight platform proved essential in exposing this campaign, demonstrating how machine learning can identify threats that traditional signature-based detection methods miss .

VoidProxy Phishing Platform Emerges as Threat Capable of Bypassing MFA


 

Researchers in the field of cybersecurity are warning that a sophisticated phishing-as-a-service (PhaaS) platform known as VoidProxy is being used by criminal groups for the purpose of evading widespread security controls and is demonstrating just how far this technology has advanced in criminal groups' ability to circumvent widely deployed security controls. 

In the form of a specialised tool developed by cybercriminals to target high-value accounts neutralising the defences of multi-factor authentication (MFA), VoidProxy is specifically designed and marketed for cybercriminals. There is no question that VoidProxy, developed by researchers at Okta, the identity and access management company, is different from any other phishing kit out there. 

Rather than relying on advanced infrastructures and evasion techniques, it combines these attributes with commoditised accessibility to make it both effective and dangerous even for relatively low-skilled attackers. In particular, VoidProxy makes a great deal of sense because it relies heavily on adversary-in-the-middle (AiTM) phishing, a method of intercepting authentication flows in real time, which makes it particularly alarming. 

Using this method, cybercriminals are not only able to capture credentials, but they can also take possession of multi-factor authentication codes and session tokens generated during legitimate sign-in transactions. By bypassing these common authentication methods, VoidProxy can bypass the security measures offered by SMS-based codes and one-time passwords from authenticator apps, which are typically relied upon by organisations and individuals as a last resort. 

When it comes to VoidProxy's infrastructure, it demonstrates a combination of sophistication and cost-effectiveness that is second to none. This phishing site is hosted by its operators using low-cost top-level domains like .icu, .sbs, .cfd, .xyz, .top, and .home, making it easy to use and easily trackable. It is also important to note that the phishing content, delivered through Cloudflare's reverse proxy services, further obscures the phishing site's actual infrastructure. 

It is a layering of concealment that ensures researchers and defenders cannot determine the true IP address. The combination of this layering of concealment, in combination with its highly deceptive email campaigns, makes VoidProxy one of the most troubling emergences in the phishing service industry. In spite of the fact that the operation has never been reported until now, it demonstrates a level of maturity that is not often found in other phishing kits. 

Researchers at OKTA found that VoidProxy is capable of scaling attacks against large groups of victims, targeting enterprise users, who represent an invaluable entry point for fraud and data theft. In order to intercept authentication traffic, the service inserts itself between the victim and the authenticating service, thereby intercepting authentication traffic. As soon as credentials and multi-factor authentication data are captured, attackers can gain persistent access to a victim’s account, bypassing any protections that would otherwise make it difficult for them to access their account. 

It was only after Okta’s FastPass technology, a passwordless authentication service, identified and blocked a suspicious sign-in attempt via VoidProxy’s proxy network that a discovery of this kind was made. Researchers were able to unravel a much larger ecosystem of campaigns as a result of that single discovery, revealing a set of administrative panels and dashboards that cybercriminals were renting access to the service through the use of this service.

In recent days, the senior vice president of threat intelligence at Okta, Brett Winterford, described VoidProxy as “an example of phishing infrastructure that has been observed in recent years.” Both its ability to bypass the multi-factor authentication and its elaborate anti-analysis mechanisms have been criticised by Winterford. 

The VoidProxy phishing kit offers many layers of obfuscation, which differs from traditional phishing kits that can often be dismantled by tracking servers and blocking malicious domains. Phishing lures are sent through compromised email accounts, multiple redirect chains that make analysis a challenge, Cloudflare CAPTCHA, Workers that inspect and filter incoming traffic, and dynamic DNS that ensures the infrastructure is fast-moving. 

Using these techniques, the operation remained a secret until Okta discovered the operation, but the sophistication of the kit extended far beyond its technical defences. There are many ways attackers can distribute VoidProxy campaigns. The first is by sending phishing emails from compromised accounts linked to legitimate marketing and communication systems, such as Constant Contact, Active Campaign, and Notify Visitors, that are connected to VoidProxy campaigns. 

It is based on the reputation of established service providers that these lures will have a higher probability of escaping spam filters, allowing them to reach the inboxes of targeted users as soon as they click through, providing credentials. VoidProxy's response depends on what authentication the victim has configured.

Users who authenticate through single sign-on (SSO) are forwarded to phishing websites that are designed to harvest additional information from users, while non-federated users are directed directly to legitimate Microsoft and Google servers, while the phishing sites are designed to harvest additional information from users. In the end, affiliates deployed VoidProxy to harvest cookies through the AiTM proxy, which is hosted on an ephemeral infrastructure supported by dynamic DNS, thereby completing the final stage of the attack. 

By hijacking authenticated sessions through session cookies, attackers are able to gain access to the same level of functionality as legitimate users without the need to submit credentials repeatedly. Therefore, attackers can operate undetected until security teams detect unusual behaviour, resulting in the attacker inheriting trusted access. 

In addition to its accessibility, VoidProxy offers an administrative panel that enables paying affiliates to monitor the progress of their campaigns, as well as victim data. Due to the ease with which advanced phishing campaigns are conducted, a broader set of actors—from organised cybercrime groups to less sophisticated attackers- can engage in them as they become more familiar with the technology. 

Despite the fact that VoidProxy is a new and dangerous entrant into the phishing landscape, researchers emphasise the fact that not all defences against it are ineffective. Authenticators which are phishing-resistant, such as hardware security keys, passkeys, and smart cards, are proven to be able to block attackers from hijacking credentials or signing in through proxy infrastructure by preventing the attack. 

As a result of the research conducted by OKTA, it has been demonstrated that users equipped with these advanced authentication systems are less likely to be hacked or to be compromised via VoidProxy, but most organisations continue to rely on weaker methods of multi-factor authentication, such as SMS codes, which leaves them vulnerable to data interception. 

It has been Okta's intention to inform Google and Microsoft of VoidProxy's operations, to share intelligence with its SaaS partners, as well as to issue a customer advisory in response to the discovery. In addition to adopting phishing-resistant authentication, the company recommended that enterprises also take a broad set of security measures. 

There are several ways to do this, including limiting access to devices and networks based on trust, monitoring sign-in behaviour for anomalies, and providing users with streamlined mechanisms for reporting suspicious emails or log-in attempts. Additionally, it is crucial to cultivate a culture of cybersecurity awareness at the company. 

Employees should be trained on how to recognise phishing emails, suspicious login prompts, and common social engineering techniques, which can often lead to compromise in the organisation. Additionally, VoidProxy's rise also demonstrates a wider industry problem that the industry faces today: the proliferation of platform-based PHaaS that commoditises advanced attack techniques into a commodity. 

Other kits, such as EvilProxy, which was first reported in 2022, and Salty2FA, which was discovered earlier this year, have also demonstrated similar capabilities to bypass multi-factor authentication and hijack sessions in the past few years. In each successive platform, the stakes are raised for defenders, as techniques that were once reserved for highly skilled adversaries have become widely accessible to anyone willing to pay for access, which has raised the stakes for defenders. 

By lowering the technical barrier, these services are increasing the pool of attackers, resulting in an increase in phishing campaigns that are more effective than ever before, harder to detect, and more persistent in nature, and have a greater impact. With the emergence of VoidProxy, a critical change has been wrought in the cyber threat landscape that calls for a new approach to enterprise security. 

Legacy defences that depend solely on passwords or basic multiple-factor authentication methods will not suffice in the face of such adaptive adversaries. As a result of these threats, organisations need to create layers of security strategies, which are combined with proactive resilience, in order to protect themselves. 

Authenticators that can resist phishing attacks are essential for protecting the network from cyber threats, but in addition to them, businesses must be able to detect anomalies continuously, implement rapid incident response capabilities, and train their employees adequately. Collaboration across the cybersecurity ecosystem is also crucial. 

There is nothing more important than the importance of intelligence-sharing between vendors, enterprises, and researchers, as early detection of emerging threats and coordinated action can significantly reduce the damage caused by them. 

In today's rapidly evolving PhaaS platforms, enterprises have to change their approach from reactive defence to proactive adaptation, ensuring they are not just prepared to withstand today's attacks, but also prepared to anticipate tomorrow's attacks. Getting the most out of security is crucial in a digital world where trust itself has become one of the main targets. To be secure, one must be able to maintain agility and resilience.

Beyond Firewalls: How U.S. Schools Are Building a Culture of Cyber Safety

 

U.S. district schools are facing a surge in sophisticated cyberattacks, but districts are pushing back by combining strong fundamentals, people-centered training, state partnerships, and community resilience planning to build cyber safety into everyday culture . 

Rising threat landscape 

An Arizona district’s 2024 near-miss shows how fast attacks unfold and why incident response planning and EDR matter; swift VPN cutoff and state-provided CrowdStrike support helped prevent damage during a live intrusion window of mere hours . 

Broader data from the 2025 CIS MS-ISAC K-12 report underscores the scale: 82% of reporting schools experienced cyber impacts between July 2023 and December 2024, with more than 9,300 confirmed incidents, reflecting increased adversary sophistication and strategic timing against educational operations . Districts hold sensitive student and family data, making identity theft, fraud, and extortion high-risk outcomes from breaches . 

AI-boosted phishing and the human firewall 

Technology leaders report that generative AI has made phishing emails far more convincing, even fooling seasoned staff, shifting emphasis to continuous, culture-wide awareness training . 

Districts are reframing users as the first line of defense, deploying role-based training through platforms like KnowBe4 and CyberNut, and reinforcing desired behaviors with incentives that make reporting suspicious emails a source of pride rather than punishment . 

This people-first approach aligns with expert guidance that “cybersecurity is really cybersafety,” requiring leadership beyond IT to model and champion safe digital practices . 

Tools, partnerships, and equity

Well-resourced or larger districts layer EDR/MDR/NDR, AI email filtering, vendor monitoring, and regular penetration testing, demonstrating rapid detection and response in live red-team exercises . 

Smaller systems rely critically on state-backed programs—such as Arizona’s Statewide Cyber Readiness Program or Indiana’s university-led assessments—that supply licenses, training, and risk guidance otherwise out of reach . 

Nationally, MS-ISAC provides no-cost incident response, advisory services, and threat intelligence, with assessments like the NCSR linked to measurable maturity gains, reinforcing the value of shared services for K-12 . 

Back to basics and resilience

Experts stress fundamentals—timely patching, account audits, strong passwords, and MFA—block a large share of intrusions, with mismanaged legacy accounts and unpatched systems frequently exploited . 

Recovery costs swing widely, but preparation and in-house response can dramatically reduce impact, while sector-wide averages show high breach costs and constrained cyber budgets that heighten the need for prioritization . 

Looking forward, districts are institutionalizing tabletop exercises, mutual aid pacts, and statewide collaboration so no school faces an incident alone, operationalizing community resilience as a strategic defense layer .

Ghaziabad eSIM Fraud: Woman Loses ₹18.5 Lakh in Sophisticated SIM Swap Scam

 

A 54-year-old resident of Shipra Suncity, Indirapuram, Ghaziabad, fell victim to a sophisticated eSIM fraud that resulted in the loss of ₹18.48 lakh from her bank accounts. Arti Kaul was targeted by cybercriminals who posed as Airtel customer service representatives to execute an elaborate SIM swap scam. 

Fraudulent call 

On August 29, 2025, at approximately 1:00 PM, Kaul received a phone call from fraudsters claiming to be Airtel representatives. The callers convinced her that she needed to upgrade her SIM card from 4G to 5G as per company policy, presenting the upgrade as mandatory. Unaware of the deceptive nature of the call, Kaul stayed on the line with the fraudsters throughout the process.

Technical manipulation

At 1:10 PM, Kaul received an SMS from Airtel containing an OTP for eSIM card activation. Following this, she received a long numerical message on WhatsApp, along with subsequent SIM card update-related messages and additional calls from both the fraudsters and legitimate Airtel representatives. The victim shared the OTP with the callers, inadvertently giving them access to activate an eSIM on their own device, effectively hijacking her phone number. 

Once the fraudsters gained control of Kaul's phone number through the eSIM activation, they systematically drained her bank accounts. The theft occurred through more than 50 separate transactions between August 31 and September 1, 2025, targeting both her Axis Bank and HDFC Bank accounts. The total amount stolen reached ₹18.48 lakh. 

Discovery and legal action

Kaul discovered the fraud when her SIM card became inactive and she stopped receiving messages. Upon visiting her banks, employees informed her about the unauthorized transactions that had occurred over the previous days. She subsequently filed a complaint with the cyber crime police station, and an investigation has been launched.

This incident highlights the growing threat of eSIM-based fraud in India, where criminals exploit the convenience of digital SIM technology to rapidly hijack mobile numbers and access victims' financial accounts through intercepted OTPs. 

Safety tips 

Never share OTPs or activation codes: Avoid sharing one-time passwords (OTPs), eSIM activation codes, or QR codes with anyone, even if they claim to be from your telecom provider. No legitimate company will request these details over phone or SMS. 

Use only official channels: Always request eSIM conversions or upgrades directly through official carrier apps, websites, or physical stores. Do not click on unknown links, and never proceed with eSIM activation from unsolicited messages or calls . 

Act fast on signal loss: If your phone unexpectedly loses network signal or displays “No Service,” immediately report the issue to your mobile operator and notify your bank. This could indicate that your number has been hijacked.

Stay alert for phishing attempts: Be wary of calls, emails, or texts asking for personal, banking, or SIM-related information. Always verify the identity of the sender by reaching out through the provider’s verified customer care number. 

Monitor account activity: Regularly review bank and mobile account activity for unauthorized transactions or account changes. Set up alerts where available for any transaction or SIM change activity.

Following these safety steps drastically reduces the risk of eSIM-based fraud and helps in swift detection of account compromise.

Workiva Confirms Data Breach in Wake of Salesforce Security Incident


 

A recent cyberattack on Salesforce customers has prompted Workiva to disclose a breach linked to a recent wave of attacks, serving as a reminder of the increasing cybersecurity risks faced by global organisations. Workiva provides financial reporting, compliance, and audit software, as well as financial reporting and compliance software, based in the cloud. 

As the company confirmed, attackers have accessed a third-party customer relationship management system (CRM), exposing information about limited company contact details, including names, email addresses, phone numbers, and support ticket information. As an important note, Workiva stressed that its own platform and customer data remain safe and secure. 

According to the ShinyHunters extortion group, the breach is part of a broader campaign that has been carried out by the threat actors to gain unauthorized access to sensitive business information, including exploiting OAuth tokens and conducting voice phishing. As a result of these attacks, Workiva has warned customers that spear phishing attempts should not be ignored and emphasized that all official communications will continue to come from its verified support channels only. 

According to Workiva, whose cloud-based platform is widely used for financial reporting, compliance and audit processes, the breach could be traced back to unauthorized access to the customer relationship management system of a third party. There has been a breach of security at Adobe. 

In notifications sent to clients who may be affected, the company disclosed that attackers were able to access a limited set of business contact details, such as names, email addresses, phone numbers, and support tickets data. As Workiva clarified, its core platform and any customer data stored inside it have not been compromised, rather the intrusion originated via a connected third-party application that was managed by the vendor responsible for Workiva's customer relationship management system. 

Over 6,300 customers are included in the company, including 85 percent of Fortune 500 companies and prominent names like Google, T-Mobile, Delta Air Lines, Wayfair, Hershey, and Mercedes-Benz, so the company stressed the importance of staying vigilant and warned that the stolen data could be used to conduct spear-phishing scams. 

It was reiterated that Workiva would never solicit sensitive information by text or phone, nor would it seek to communicate with customers through official channels other than its trusted support channels, as a means of reassuring customers. Due to the fact that even the most prominent security vendors were not spared from the wave of intrusions, the cybersecurity community has been on their toes due to the wave of intrusions. 

A simple example of this, Cloudflare, reported that attackers bypassed traditional social engineering by exploiting credential compromises linked to Salesloft Drift, one of the third-party applications that are integrated with Salesforce, instead of taking advantage of traditional social engineering techniques. 

Using this access, threat actors were able to infiltrate Cloudflare's Salesforce environment on August 12, and spend two days mapping the system before conducting a rapid exfiltration operation which, within minutes of the operation, sucked off sensitive data, deleted log files and attempted to erase digital traces. 

Earlier, Palo Alto Networks confirmed that a similar breach had occurred during the period between August 8 and 18, with attackers leveraging stolen OAuth tokens to gain access to the Salesforce system that the Salesforce integration was integrated into. In this period, adversaries were able to extract customer contact information, sales records, and case data. 

After obtaining these items, the adversaries later scanned the stolen data for passwords and cloud service credentials, which were used to facilitate secondary attacks targeting AWS and Snowflake platforms. Analysts point out that these incidents do not imply that core defences have collapsed, but rather that trust dependencies within digital ecosystems are fragile. 

With the use of weak access controls and third-party connections, groups like Scattered Spider, Lapsus$, and ShinyHunters have exploited stolen data and ransom profits on underground channels to make a profit, raising the concern that a much bigger scope of exposure may be uncovered than has been revealed.

Despite being one of the world's largest HR software providers, Workday has confirmed that it also became a victim of a cyberattack campaign utilizing Salesforce's customer relationship management platform. There is a possibility that the incident, which was first reported on August 6, could have impacted the personal information of up to 70 million individuals as well as 11,000 corporate clients' business information. 

Despite Workday stressing that its core HR systems that are known as customer tenants remain unaffected by this attack, it admits that attackers were able to access business contact details in its Salesforce integration, including names, email addresses, phone numbers, and facsimiles. A growing list of victims has included Google, Cisco, Qantas, and Pandora as well as other large companies. 

The breach underscores how adversaries are increasingly targeting third-party service providers that are acting as gateways to vast amounts of personal data. As roughly 60% of Fortune 500 companies use Workday's platform for their digital supply chains, the incident emphasizes the risks involved in a digital supply chain that is interconnected. 

A number of security experts have warned that these SaaS and CRM systems, which were once treated as routine business tools, have now become very valuable attack surfaces for cyber criminals. As analysts point out that ShinyHunters seems to be the likely culprit, attention has now turned to their tactics, namely, phishing campaigns designed to trick employees into giving them their credentials by impersonating HR and IT staff. 

The breach has reignited debate among cybersecurity professionals regarding whether the breaches indicate the development of sophisticated social engineering techniques, or whether they reveal persistent shortcomings in organizational awareness and training. In light of the string of breaches tied to Salesforce integrations, enterprises have reached the point of reassessing, monitoring, and securing third-party platforms that are woven into the daily operation of their companies. 

The incidents were unprecedented in their scope and severity, and although some companies haven't been able to contain the fallout as quickly as others has, the incidents illustrate that even some of the most trusted vendors cannot be made to appear invulnerable. The majority of cybersecurity specialists believe that organizations need to build a wider security posture beyond perimeter defense, including vendor risk management and zero-trust frameworks, as well as tighter controls on identity and access. 

Auditing integrations on a regular basis, minimizing permissions granted through OAuth, and monitoring API usage are no longer optional safeguards, but are strategic imperatives in an environment where many attackers thrive on exploiting overlooked trust relationships in order to achieve the greatest possible gain. 

Additionally, greater focus on employee awareness about spear-phishing and impersonation schemes can be a critical component in reducing the chances of credential theft, which is an entry point that appears to be becoming more prevalent each year. In the case of organizations reliant on SaaS ecosystems, the lesson is clear - securing extended supply chains is as important as protecting internal infrastructure as it is in keeping business resilient, and the adaptors will be the ones best positioned to withstand the next wave of attack.

Aussie Telecom Breach Raises Alarm Over Customer Data Safety

 




A recent cyberattack on TPG Telecom has reignited concerns about how safe personal information really is in the hands of major companies. What the provider initially downplayed as a “limited” incident has in fact left hundreds of thousands of customers vulnerable to online scams.

The intrusion was uncovered on August 16, when unusual activity was detected in the systems of iiNet, one of TPG’s subsidiary brands. Hackers were able to get inside by misusing stolen employee logins, which granted access to iiNet’s order management platform. This internal tool is mainly used to handle service requests, but it contained far more sensitive data than many would expect.


Investigators now estimate that the attackers walked away with:

• Roughly 280,000 email addresses linked to iiNet accounts

• Close to 20,000 landline phone numbers

• Around 10,000 customer names, addresses, and contact details

• About 1,700 modem setup credentials


Although no banking details or government ID documents were exposed, cybersecurity experts caution that this type of information is highly valuable for criminals. Email addresses and phone numbers can be exploited to craft convincing phishing campaigns, while stolen modem passwords could give attackers the chance to install malware or hijack internet connections.

TPG has apologised for the breach and is reaching out directly to customers whose details were involved. Those not affected are also being notified for reassurance. So far, there have been no confirmed reports of the stolen records being used maliciously.

Even so, the risks are far from minor. Phishing messages that appear to come from trusted sources can lead victims to unknowingly share bank credentials, install harmful software, or hand over personal details that enable identity theft. As a result, affected customers are being urged to remain alert, treat incoming emails with suspicion, and update passwords wherever possible, especially on home modems.

The company has said it is cooperating with regulators and tightening its security protocols. But the case underlines a growing reality: personal data does not need to include credit card numbers to become a target. Seemingly routine details, when collected in bulk, can still provide criminals with the tools they need to run scams.

As cyberattacks grow more frequent, customers are left with the burden of vigilance, while companies face rising pressure to prove that “limited” breaches do not translate into large-scale risks.