India, March 22 -- Imagine waking up to an urgent email with the subject line "immediate action required: your bank account has been suspended!" or "your streaming subscription has been terminated- update your payment details now!" The message no doubt looks official, with the bank's or the streaming service's logo and a professional tone, warning that your account has been compromised or your payment details need to be updated immediately.

Panic sets in. You don't want to lose access to your hard-earned money or favourite shows. Without thinking twice, you click the link in the email, which takes you to what appears to be the official website. It prompts you to enter your login credentials, bank details, or social security number. The urg...