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OTP Bypass

ATO Fraud Is Up 310% in India and Cost US Banks $12.5 Billion

Account Takeover ATO fraud attack chain infographic by Skeletos IT Services showing five steps from phishing and malware to stolen credentials, OTP interception and SIM swap, account access and fraudulent transactions, with an attacker node intercepting SMS OTP and initiating unauthorized bank transactions from a compromised mobile banking app displaying Account TakeOver alert, representing the ATO fraud threat facing Indian banks NBFCs and US financial institutions in 2026.

Cybersecurity

ATO Fraud Is Up 310% in India and Cost US Banks $12.5 Billion

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