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If we were to be honest with ourselves, hardly any of us ever pay attention to natural disasters and unexplained explosions when we take on a new car or even home insurance for that matter.
The caller is actually a fraudster, and they’re the ones who are about to commit the fraud, but they can’t do that unless their intended victim reads out the OTP (one-time-pin) that’s just been sent to their phone in order to authenticate the fraudulent transaction.