Here is the rewritten article in Markdown format:

Financial Frauds in India: RBI Warns Customers of Scams Lurking Online

As digital payments have gained popularity during the COVID-19 pandemic, so have various types of financial frauds. The Reserve Bank of India (RBI) has released a booklet to raise awareness among customers about these scams and provide tips on how to avoid falling prey.

Phishing: Frauds Create Fake Websites

Fraudsters create fake websites that appear legitimate, tricking customers into entering their security credentials such as PIN numbers, OTPs, passwords, and card verification values. These details are then used by scammers to conduct unauthorized transactions.

Be cautious of suspicious emails or messages asking for personal information
Verify the authenticity of websites before entering sensitive information

Vishing: Imposters Call Customers

Imposters pose as bankers, executives, insurance agents, government officials, or others, calling or approaching customers over the phone or social media. They may pressure or trick customers into sharing confidential information such as passwords, OTPs, PINs, and card verification values.

Never share personal or financial information with unknown callers
Verify the identity of callers before discussing sensitive topics

Frauds on Online Sales Platforms

On online sales platforms, fraudsters pose as buyers and express interest in products. They may use the UPI app’s “request money” option to demand that sellers authorize a transfer by entering their UPI PIN, resulting in money being transferred to the scammer’s account.

Be wary of suspicious transactions or requests for personal information
Verify the authenticity of buyers before transferring funds

Unknown/Unverified Mobile Apps: A Threat

Fraudsters circulate links for unknown/unverified apps through SMS, email, social media, and Instant Messenger. Once downloaded, these apps can access customers’ devices, stealing confidential details and messages.

Avoid downloading apps from suspicious sources
Verify the authenticity of apps before installing them

ATM Card Skimming: A Growing Concern

Fraudsters install skimming devices in ATM machines to capture data from customers’ cards. They may also install dummy keypads or small cameras to capture PIN numbers.

Check ATMs for any signs of tampering
Cover the keypad when entering your PIN

Scammers trick customers into downloading screen-sharing apps, allowing them to access and control customers’ mobile/laptops, stealing financial credentials.

Avoid downloading suspicious apps or sharing screens with unknown individuals
Verify the authenticity of apps before installing them

SIM Swap/SIM Cloning: A New Form of Fraud

Fraudsters obtain duplicate SIM cards for registered mobile numbers linked to bank accounts. They use OTPs received on these duplicate SIMs to conduct unauthorized transactions.

Monitor your account activity regularly
Report any suspicious transactions to your bank immediately

Search Engine Frauds: Customers Beware!

Scammers modify contact information on search engines, making it appear legitimate. Customers may call these numbers, thinking they are contacting their bank or company, and share security details with the imposters.

Verify the authenticity of phone numbers before calling
Never share personal or financial information with unknown callers

QR Code Scam: Be Cautious

Fraudsters trick customers into scanning QR codes using apps on their phones, authorizing withdrawals from their accounts.

Avoid scanning suspicious QR codes or sharing screens with unknown individuals
Verify the authenticity of QR codes before scanning them

Scammers create fake social media accounts, sending requests for money or contacting users and gaining their trust. When users share personal information, scammers use it to blackmail or extort money.

Be cautious of suspicious social media messages or requests
Verify the authenticity of social media profiles before sharing personal information

The RBI warns customers to be vigilant and take necessary precautions to avoid falling prey to these financial scams. By staying informed and aware of these threats, customers can protect themselves from becoming victims of financial fraud.