Threat Type	Description	Impact Level	Target	Prevention Measures	Current Trends
Phishing Attack	Fraudulent attempts to obtain sensitive information via deceptive emails.	High	Individuals and financial institutions	Employee training, email filters, anti-phishing software	Increased use of social engineering tactics.
Ransomware	Malicious software that encrypts files, demanding payment for decryption.	Critical	Banks, investment firms	Regular backups, incident response plan, employee training	Ransomware-as-a-Service models emerging.
Data Breach	Unauthorized access to confidential financial data.	High	Financial institutions, customers	Data encryption, access controls, regular security audits	Growing incidents due to weak passwords.
Insider Threats	Malicious or negligent actions taken by employees or contractors.	High	Financial institutions	Monitoring insider activities, access restrictions, exit interviews	Increased due to remote work policies.
Man-in-the-Middle Attack	Interception and alteration of communication between two parties.	High	Online banking users	Use of HTTPS, VPNs, public key infrastructure (PKI)	Targeting unencrypted networks.
Distributed Denial of Service (DDoS)	Overwhelming a server with traffic to render it inoperable.	Moderate to High	Banking and financial services websites	Traffic filtering, redundancy, rate limiting	Use of botnets for attacks.
Card Skimming	Devices placed on ATMs or point-of-sale terminals to capture card details.	High	Consumers using ATMs and point-of-sale terminals	Regular device inspections, anti-skimming technology	Increasing sophistication of skimming devices.
Social Engineering	Psychological manipulation to trick users into divulging confidential info.	High	Individuals, employees | Business Partners	Awareness training, verification processes	Rising use in targeted attacks.
Malware	Various software designed to disrupt, damage, or gain unauthorized access.	High	All financial entities	Antivirus software, network firewalls, employee education	Emergence of polymorphic malware.
Spyware	Software that secretly monitors user activity and collects information.	Moderate to High	Consumers and financial institutions	Regular device scans, software updates, user education	Use of spyware in phishing attacks.
Cryptojacking	Unauthorized use of someone else's computer to mine cryptocurrency.	Moderate	Cloud services, financial servers	Malware detection, system monitoring, regular audits	Increased theft for cryptocurrency mining.
Online Account Hijacking	Unauthorized access to online accounts to commit fraud.	High	Individuals and businesses	Two-factor authentication, strong password policies	Increased through credential stuffing attacks.
Supply Chain Attacks	Compromising a service provider's or partner's software to gain access.	High	Financial institutions, software providers	Vendor risk assessment, audits, incident response plans	Increased incidents targeting software updates.
Zero-Day Exploits	Attacks based on vulnerabilities that are unknown to the vendor.	High	Software vendors, financial applications	Immediate patching processes, threat intelligence services	Emerging as a primary attack vector.
ATM Fraud	Exploiting machines to dispense cash fraudulently or siphon off card info.	High	Consumers using ATMs	Use of security logs, real-time monitoring of ATM activity	Emerging techniques to tamper with machines.
Website Spoofing	Creating fraudulent websites to mimic genuine financial institutions.	High	Online banking users	User education, domain verification, secure browsing	Increased use of lookalike domains.
Mobile Banking Fraud	Unauthorized access to mobile banking applications.	High	Mobile users	App security features, regular updates, user awareness	Exponential growth with mobile banking usage.
Unpatched Systems	Exploiting known vulnerabilities in software that has not been updated.	High	All financial sectors	Regular software updates, vulnerability management	Continuous rise of cyber attacks on outdated systems.
Fake Online Reviews	Fraudulent reviews to influence user decisions in financial services.	Moderate to High	Consumers and investors	Review verification systems, user education	Many platforms revised guidelines to combat this.
Credential Stuffing	Using stolen credentials to gain unauthorized access to accounts.	High	Online banking systems	Account lockout policies, captcha systems	Increasing as data breaches proliferate.
Cryptocurrency Exchange Hacking	Attacks to steal cryptocurrency from exchanges.	Critical	Cryptocurrency platforms, investors	Cold wallet storage, security audits, user verification	Frequent trend with the rise of digital currencies.
Tax Fraud Scams	Fraudulent schemes targeting tax information for financial gain.	High	Individuals and businesses	Tax education, secure disposal of documents, vigilant monitoring	Increases around tax season.
Investment Scams	Fraudulent schemes to lure investors to put money into non-existent funds.	High	Investors, financial institutions	Investor education, due diligence protocols	Rise of social media-based schemes.
SIM Swapping	Manipulating telecom providers to take control of a victim's phone number.	High	Mobile banking users	Carrier account security measures, monitoring of phone activity	Increasingly popular method for account takeover.
Business Email Compromise (BEC)	Email spoofing to trick businesses into transferring money.	High	Businesses, financial departments	Email verification protocols, employee training	Rising incidents among small to medium enterprises.
Fake Charities	Fraudulent organizations calling for donations related to disasters or events.	Moderate to High	Well-meaning individuals	Charity verification, due diligence on donation requests	Surges during major crises and disasters.
Website Defacement	Unauthorized alteration of a website's appearance to harm reputation.	Moderate	Financial institutions	Web application firewalls, continuous security monitoring	Higher frequency after significant events or news.
Identity Theft	Stealing personal information to impersonate someone else for financial gain.	Critical	Individuals and entities	Identity monitoring services, secure document disposal	Rapidly growing due to ease of information access online.
Non-compliance Penalties	Legal penalties incurred due to failure to meet cybersecurity regulations.	Varied	Financial institutions	Regular compliance audits, training on regulations	Increasing emphasis on compliance due to regulatory pressure.
Account Takeover	Unauthorized access and control of a user's financial accounts.	High	Consumers online	Multi-factor authentication, real-time transaction alerts	Growing trend with increase in digital banking.
Credit Card Fraud	Unauthorized use of credit card information to make transactions.	High	Consumers, retailers	Chip technology, transaction monitoring, user education	Shift towards digital wallets with evolving fraud strategies.
Cyber Espionage	Stealing sensitive information from financial companies for competitive advantage.	High	Large financial institutions	Network segmentation, employee background checks	On the rise among major corporations.
Fake Job Scams	Fraudulent job postings designed to collect personal information.	Moderate to High	Job seekers	Job application design review, secure data handling protocols	Increasing occurrence on popular job boards.
Impersonation Scams	Scammers impersonate known contacts to solicit funds or information.	High	Businesses and individuals	Verification protocols for requests, awareness training	Prevalence during economic uncertainty.
Exploiting Payment Platforms	Attacking vulnerabilities within payment processing platforms.	High	E-commerce, banks	Regular vulnerability assessments, security patches	Growing due to reliance on digital payments.
Loan Scams	Fraudulent offers seeking upfront fees in exchange for loans.	High	Individuals seeking loans	Verification of lenders, increased scrutiny before applying	Common among vulnerable populations.
Fake Invoices	Sending fraudulent invoices to trick businesses into making payments.	Moderate to High	Businesses	Invoice verification processes, communication protocols	Prevalence in B2B transactions.
Remote Access Trojans (RATs)	Malware that enables unauthorized remote access to a device/system.	High	All financial sectors	Endpoint security, employee training, intrusion detection systems	Increasing sophistication in evading detection.
Platform Vulnerabilities	Weaknesses in financial software platforms that can be exploited.	High	Software developers, financial institutions	Regular code audits, threat modeling, user feedback	Emerging focus on DevSecOps practices.
Legacy Systems Exploitation	Targeting older systems that may lack current security measures.	High	Financial institutions	System upgrades, transitioning to modern platforms	Increased incidents exploiting outdated technology.
Third-party Vendor Risks	Risks associated with relying on vendors who may not have robust security.	High	Financial institutions	Due diligence, security assessments of vendors	Greater emphasis on managing vendor relationships.
Public Wi-Fi Risks	Using unsecured public networks can expose sensitive communications.	High	Mobile users, business travelers	Use of VPNs, avoiding sensitive transactions in public spaces	Increase in mobile banking leading to more risks.
Regulatory Attack	Targeting financial institutions with attacks designed to disrupt services and incite regulatory scrutiny.	High	Regulated financial entities	Robust compliance programs, incident response	Emerging trend due to heightened regulatory scrutiny.
Cybercrime as a Service (CaaS)	Cybercriminals offering services to other criminals for a fee.	High	Various targets	Awareness and training on emerging threats	Growth among new health data breaches.
Spear Phishing	Targeted phishing attacks focused on specific individuals or organizations.	High	High-value targets, executives	Customized training, email scanning tools	Increased targeting of executives due to access.
High-Volume Transaction Fraud	Rapidly generated transactions to exploit systems or create confusion.	Moderate to High	Financial institutions	Real-time transaction monitoring, AI systems	Growing trend with automated bots for fraudulent transactions.
Financial Malware	Specifically designed malware to target financial transactions.	High	Consumers and banking apps	Application security testing, regular updates	Emerging focus on mobile applications.
Data Theft via Social Media	Gathering personal information to aid in perpetrating scams.	Moderate to High	Individuals, businesses	Social media privacy settings review, user education	Increasing prevalence as social media use grows.
Distributed Ledger Attacks	Exploiting vulnerabilities in blockchain for financial gain.	High	Cryptocurrency platforms	Regular audits, network monitoring	Emerging threat as industries adopt blockchain technology.
Investment Phishing	Fake investment opportunities to steal credentials or funds.	High	Investors	Educational campaigns, due diligence in opportunities	Increased targeting during market volatility.
ATM Jackpotting	Tampering with ATMs to dispense cash otherwise inaccessible.	Critical	Financial institutions, ATM users	Physical security of ATMs, surveillance	Growth due to rise in cashless transactions.
SIM Cloning	Illegal duplication of SIM cards to intercept communications.	High	Mobile banking users	Carrier security measures, alert systems	Increased occurrences with mobile banking services.
Public Ledger Tampering	Manipulating transactions on public ledgers to create fraudulent records.	High	Cryptocurrency exchanges	Audit trails, validation mechanisms	Emerging issues with insecure smart contracts.
Spoofing Attacks	Impersonating legitimate services to obtain sensitive data or funds.	High	Anyone using online services	User education, verification processes	Increased visibility of spoofed domains.
Trojans	Malicious software disguised as legitimate software.	High	End users	Regular scans, employee awareness training	Sophisticated disguises in legitimate applications.
API Security Vulnerabilities	Weaknesses in APIs that expose sensitive data.	High	Financial applications	API security best practices, regular testing	Rising importance as the financial industry evolves.
Spy Networks	Building a network of remote agents to gather insider information.	High	Financial institutions	Monitoring employee activities, background checks	Increased due to global competitiveness.
Deep Fakes	Using advanced AI to create realistic fake videos or audio to impersonate individuals.	High	High-value targets, executives	Verification of communications, digital signature authentication	Emerging threat to corporate security.
Business Scams via Social Media	Using social media to perpetrate scams against businesses.	Moderate to High	Small and medium businesses	Social media monitoring, verify business inquiries	Growing with increased social media usage.
Network Intrusions	Unauthorized access and manipulation of network data.	High	Businesses, financial institutions	Advanced firewalls, intrusion detection systems	Increasing sophistication of attackers.
Data Privacy Breaches	Unauthorized access and disclosure of data violating privacy laws.	High	Financial institutions	Compliance training, data protection policies	Rising regulatory pressures.
Credential Harvesting	Stealing user credentials from compromised sites or emails.	High	Consumers, businesses	Password managers, phishing detection systems	Growth in automated credential harvesting tools.
Email Spoofing	Emails fabricated to appear from legitimate sources to harvest information.	High	Businesses, individuals	Email authentication protocols, education	Widespread and commonly exploited tactic.
Session Hijacking	Exploiting a web session control mechanism to steal credentials.	High	Online banking users	Secure session handling, HTTPS usage	Increased attention to session security.
Misconfigured Cloud Storage	Improperly secured cloud storage leading to data exposure.	High	Businesses using cloud services	Regular audits, access controls	Increased focus as businesses migrate to the cloud.
Non-compliance Exploitation	Cybercriminals leveraging a company's regulatory non-compliance for attacks.	Moderate to High	Financial institutions	Compliance audits, employee training	Emerging as a higher risk for industries under scrutiny.
Browser Vulnerabilities	Exploiting weaknesses in web browsers for unauthorized actions.	High	Anyone using the internet for finance	Browser security updates, awareness of phishing	New exploits targeting popular web browsers.
Token Theft	Stealing authentication tokens to bypass verification steps.	High	Online services and more	Two-factor authentication, regular token rotation	Emerging strategy for bypassing security.
Financial Statement Fraud	Manipulating financial records to mislead or deceive stakeholders.	High	Businesses	Internal audits, compliance reviews	Increases during economic downturns.
Cloud Misconfiguration	Errors in cloud service settings leading to data leaks.	High	Businesses using cloud services	Regular monitoring, use of compliance frameworks	Frequent occurrence as cloud adoption rises.
Payment Card Data Theft	Stealing credit card data through various methods.	Critical	Consumers and retailers	End-to-end encryption, PCI DSS compliance	Highly concerning as digital transactions increase.
False Investment Recommendations	Providing misleading financial advice for personal gain.	Moderate to High	Investors	Regulatory oversight, compliance training	Surge in social media dissemination of false information.
Encryption Backdoors	Exploit vulnerabilities in encryption protocols to gain access.	High	Cybersecurity-focused institutions	Strict security testing for encryption methods	Emergence of debates over encryption policies.
Automated Trading Exploits	Manipulating algorithmic trading systems for profit.	High	Financial firms	Regular security assessments of trading algorithms	Rising sophistication and frequency of algorithmic attacks.
Non-traditional Payment Scams	Fraudulent schemes involving newly developed payment methods.	Moderate to High	E-commerce platforms, consumers	Awareness campaigns, verification of payment methods	Increased susceptibility for untrained users.
Domain Spoofing	Creating fake domains to deceive users into providing information.	High	Businesses, individuals	Domain monitoring services, user education	Frequent occurrence as registration costs are low.
Cloud Data Leakage	Accidental exposure of confidential data hosted in the cloud.	High	Businesses using cloud services	Data classification, access controls	Common among enterprises using public cloud.
ATM Phishing	Installing deceptive overlays on ATMs to collect card data.	High	Consumers using ATMs	User education, monitoring suspicious activity	Growing concerns over public skimming attempts.
Governance Risks	Risks tied to insufficient corporate governance leading to vulnerabilities.	Moderate to High	Financial institutions	Robust governance frameworks, compliance measures	Increasing scrutiny of board-level cybersecurity oversight.
Unsecured APIs	APIs that expose sensitive data or functions without adequate protection.	High	Application developers and companies	Security protocols, code reviews	Emerging focus as application ecosystems grow.
Inter-bank Transfer Fraud	Scammers impersonate clients to authorize fraudulent transactions.	High	Banks, clients	Verification processes, transaction alerts	Rising in targeted attacks against financial institutions.
Local Network Vulnerabilities	Weaknesses in office or local networks can lead to data breaches.	High	Businesses	Network segmentation, use of VPNs	Increased targeting during remote work scenarios.
Public Disclosure of Financial Information	Intentionally leaking sensitive financial data to harm organizations.	High	Publicly traded companies, financial services	Data handling protocols, encryption	Emerging tactic during competitive battles.
Misuse of Consumer Information	Exploiting personal information for malicious purposes.	High	Consumers, financial institutions	Privacy policies, user consent verification	Increased oversight of data handling practices.
Advanced Persistent Threats (APTs)	Long-term targeted cyberattacks aimed at gaining sensitive data.	Critical	Large organizations	Continuous threat monitoring, incident response plans	Growing trend against high-value targets.
Cryptocurrency Theft	Unauthorized access to cryptocurrency wallets to steal assets.	Critical	Investors in cryptocurrency	Cold storage, multifactor authentication	Increasing targeting of crypto investors.
Risky Financial Practices	Fraudulent financial practices that pose threats to consumers.	High	Consumers	Educating consumers on financial products	Common as financial products grow more complex.
Inadequate Data Security Protocols	Failing to adopt proper data security measures.	High	Businesses	Data protection compliance, regular audits	Risks increase with digital transformation.
False Online Promotions	Fraudulent promotions designed to harvest personal data.	High	Consumers	Awareness of promotional tactics, verification	Rising with e-commerce marketing strategies.
Vishing	Voice phishing via phone calls to acquire sensitive information.	High	Individuals and businesses	Caller ID verification, user education	Increased reliance on voice communications leads to vulnerability.
Spear Phishing via Social Media	Targeted phishing through social media channels.	High	Social media users	Education on recognizing threats, security settings	Common as social media grows in use.
Fake Financial Products	Offering fake products/securities to trick consumers/investors.	High	Investors, consumers	Educating on legitimate offerings, escrow accounts	Emerging in digital marketplaces.
Fiat Currency Manipulation	Manipulating currency values through cyber means.	Critical	Finance-related sectors	Market surveillance, regulatory measures	Emerging concerns amidst economic uncertainties.
High-Volume Payment Fraud	Using bots to perform massive fraudulent transactions.	High	Online platforms	Automated fraud detection systems, transaction limits	Increasing as transaction volume rises.
Geolocation Spoofing	Misleading user-based protections by faking geographic locations to trick systems.	High	Consumers using geo-restricted services	Geo-detection measures, transaction alerts	Emerging as a more common tactic.
Failure to Implement MFA	Not using Multi-Factor Authentication increases vulnerabilities.	High	All organizations	Implement MFA across platforms	Common gap as cyber threats increase.
Identity Fraud in Lending	Using stolen identities to apply for loans or credit.	High	Lenders, financial institutions	Identity verification processes, monitoring app usage	Growing as personal information becomes more accessible.
Telecommunication Attacks	Exploiting telecom-related vulnerabilities for scams.	High	Individuals and businesses	Carrier collaboration, awareness of telecom risks	Increasing frequency of such attacks.
Mobile App Vulnerabilities	Weaknesses in mobile applications that handle financial data.	High	Users of financial apps	Regular security testing, use of secure coding practices	A common terrain for cyber attackers.
False Approval Scams	Scammers impersonate loan representatives to extract fees.	High	Individuals seeking loans	Loan verification protocols, prompt red flags	Surge during economic downturns.
Electronic Fund Transfer Fraud	Fraudulent transactions using electronic methods to steal funds.	High	Businesses, consumers	Transaction monitoring, fraud recovery plans	Emerging as a significant threat.
Inadequate Incident Response Plans	Failure in addressing and responding adequately to incidents.	High	Financial institutions	Implement and drill comprehensive incident response plans	Common failure in financial institutions.
Cyber Attacks on Payment Processors	Direct attacks targeting payment processing capabilities.	Critical	Merchants, consumers	Increased transaction monitoring, compliance audits	Rising scrutiny on payment processing security.
Spyware on Mobile Devices	Using spyware to collect financial data from mobile devices.	High	Mobile users	Mobile security measures, regular scanning	Increasing prevalence with mobile banking.
Botnet Attacks	Using networks of compromised devices to target financial institutions.	Critical	Banks, payment systems	Traffic analysis, real-time monitoring	Emerging tactic leveraging IoT devices.
Financial Social Engineering	Manipulating individuals to give up financial information through deceit.	High	Individuals, financial institutions	Rigorous employee training, cybersecurity drills	Increasingly sophisticated methods.
Phishing via SMS (Smishing)	Sending fraudulent SMS messages to steal credentials or funds.	High	Consumers with mobile devices	User awareness training on smishing alerts	Increasing as mobile usage surges.
Third-Party Breaches	Compromising security through third-party vendors.	High	Businesses reliant on services	Vulnerability assessments, compliance audits	Emerging focus on vendor management.
Financial Account Phishing	Targeting specific accounts to gather sensitive information.	High	Bank customers, investors	Account monitoring, password hygiene	Rising with increased online transactions.
Business Model Exploitation	Taking advantage of weaknesses in specific business models to commit fraud.	High	Businesses	Regular model assessments, fraud detection systems	Common with emerging business trends.
Social Media Data Exploitation	Collecting personal data from social media for fraudulent activities.	Moderate to High	Individuals, businesses	Monitoring social media reach and privacy settings	Prevalence in scams relying on social engineering.
Credential Leak Exploitation	Using leaked credentials to gain unauthorized access.	High	Individuals, businesses	Monitoring for compromised accounts, user alerts	High prevalence due to breaches.
Abusive Regulatory Practices	Manipulating regulations for personal or business gain.	Moderate to High	Businesses, governments	Continuous compliance monitoring, ethical training	Emerging alongside complex regulation landscapes.
Inadequate Employee Training	Lack of cybersecurity training leads to increased vulnerabilities.	High	Organizations	Implement effective training programs, ongoing education	Frequent point of failure in security.
User Behavior Exploitation	Exploiting the predictable behaviors of users to gain access.	High	Online users	Behavioral analytics, monitoring unusual activities	Increasing use of behavioral manipulation techniques.
Misleading Financial Forecasting	Providing false predictions or reports to manipulate market perceptions.	High	Investors	Verification processes, regulatory oversight	Emerging concern among regulators.
Payment Reversal Scams	Fraudulent schemes to reverse legitimate transactions to unfairly gain funds.	High	E-commerce	Real-time transaction alerts, customer verification	Emerging risks as e-commerce grows.
API Abuse	Exploiting APIs to gain unauthorized access or perform unwanted actions.	High	Software applications	Rate limiting, API governance practices	A common vulnerability in modern applications.
Mobile Payment Scams	Using mobile devices to perpetrate fraud surrounding payments.	High	Mobile users	Verification for mobile transactions, user education	Prevalence alongside growing mobile payment facilities.
Data Migration Vulnerabilities	Risks arising during the migration of data between systems.	Moderate to High	Businesses	Thorough migration testing, secure protocols	Increases as organizations digitize records.
Underinsurance Against Cyber Threats	Not having adequate insurance against potential cyber threats.	High	Businesses	Risk assessments, comprehensive cyber insurance	Emerging concern as costs of breaches rise.
Automated Fraud via AI	Using AI systems to commit fraud at scale.	High	Financial entities	Vigilant monitoring, AI in security practices	Increasing as technology advances.
Denial of Inventory Fraud	Using DDoS attacks to create confusion in inventory management processes.	High	Retailers, e-commerce	Redundant systems, inventory management practices	Emerging risk in e-commerce sectors.
Malicious Chrome Extensions	Extensions that harvest user data or inject scripts for fraud.	High	Browser users	Review and vet installed extensions, user awareness	Increasing visibility and frequency.
Digital Identity Manipulation	Creating or manipulating digital identities for fraud.	High	Financial transactions	Identity verification processes, secure platforms	Rising with digital identity growth.
High-Volume Analysis Exploitation	Using analysis of high-volume transactions to identify weaknesses.	High	Forex and trading platforms	Internal audits, transaction monitoring	Emerging risks in financial platforms.
Failure to Protect Intellectual Property	Inadequate protections for proprietary financial data.	High	Financial firms	Legal protections, NDA agreements	Growing focus on securing proprietary information.
Digital Payment Fraud	Fraudulent activities involving digital payment methods.	High	Consumers and businesses	Continuous monitoring, effective fraud alerts	Highly prevalent due to ease of digital transactions.
Legacy Software Exploitation	Targeting outdated software systems lacking security updates.	High	Financial institutions	Regular updates, replacement strategies	Emerging concern as many systems remain outdated.
Phishing Kits Selling	Cybercriminals selling phishing kits to other criminals.	High	All sectors	User education, phishing detection tools	Increasing availability on the dark web.
Reverse Social Engineering	Making victims turn to the attacker for help, only to be exploited.	High	Individuals, small businesses	User awareness training, verification of assistance	Emerging trend in social engineering tactics.
Empty Account Scams	Scamming individuals by offering fake accounts or financial opportunities.	High	Consumers	Verification of offers, education on scams	Prevalence in online finance platforms.
Online Market Scam	Scams targeting online marketplaces to collect fees or personal data.	High	Consumers	Awareness campaigns, monitoring listings	Rapid growth in online commerce leading to more risks.
Client Impersonation Scams	Pretending to be a client to bypass security checks.	High	Financial institutions	Strict identity verification procedures, alerts	Common during financial transactions.
Regulatory Non-compliance Exploitation	Taking advantage of non-compliance for financial fraud.	High	Businesses	Compliance checks and audits	Emerging as regulatory demands increase.
Quizzes and Surveys for Data Theft	Using quizzes or surveys to gather personal data under the guise of curiosity.	High	Individuals, consumers	Awareness of data collection methods, privacy settings	Increasing trend in social media interactions.
Direct Access Hack	Breach that allows attackers to have direct access to sensitive systems.	Critical	Corporations, banks	Network security protocols, immediate patches	Emerging as a concern among financial institutions.
Overpayment Scams	Misleading individuals or businesses to issue payments for nonexistent services.	High	Businesses	Verification of payment requests, awareness training	Common during economic downturns.
Payment Service Provider Vulnerabilities	Security holes in payment service providers that can be exploited.	High	E-commerce, financial services	Third-party risk management, compliance checks	Increasing scrutiny on service providers.
Investment Platform Phishing	Targeted attacks against users of investment platforms.	High	Investors	User education, verification of communication	Emerging due to growth in online investing.
Diligence Failure Scams	Bypassing due diligence steps to commit fraud.	High	Businesses, investors	Education on diligence processes, background checks	Emerging concern in investment sectors.
Network Segmentation Risks	Files that signal inadequate segmentation increase vulnerability.	High	Businesses	Thorough segmentation practices and audits	Rising scrutiny on network security practices.
Fraudulent Trading Platforms	Fake platforms for trading that steal clients' investments.	High	Investors	Monitoring for fraudulent platforms, user validation	Increased proliferation of scam trading sites.
Email Account Takeover	Gaining access to an email account to initiate fraud.	High	All users	Two-factor authentication, account monitoring	Increased risk due to lifecycle of email accounts.
Website Content Alteration	Modifying website content to mislead visitors or gather data.	Moderate to High	Businesses	Continuous website monitoring, security reviews	Emerging concern with increasing web vulnerabilities.
Mobile Wallet Vulnerabilities	Exploiting weaknesses in mobile wallet applications.	High	Consumers	Regular security patches, user education	Growing usage of mobile wallets risk against security.
Remote Work Risks	Increased vulnerabilities due to a shift to remote operations.	High	Businesses	Remote work security policies, regular training	Increased focus post-pandemic.
Fake Holiday Promotions	Fraudulent promotions around holidays to steal data.	High	Consumers online	Verification of promotions, security alerts	Increasing occurrences during holiday seasons.