Today attacks come across multiple channels such as mobile, web, social network, and email as well. And those cybercriminals are using a combination of social engineering techniques such as email spoofing, phishing, malware, attachment, URLs, and all the tricks to have the end user employees giving out personal or sensitive information.

Once a cybercriminal gets that information, they use that information to commit the actual fraud. Most of the time, the purpose of all of this is, really, going after the money and commit fraud.