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In 2001, Bank of America became the first bank to top 3 million online banking customers, more than 20% of its customer base. In 2009, a report by Gartner Group estimated that 47% of United States adults and 30% in the United Kingdom bank online. The early 2000s saw the rise of the branch-less banks as internet only institutions.
Phishing is a type of social engineering where an attacker sends a fraudulent (e.g., spoofed, fake, or otherwise deceptive) message designed to trick a person into revealing sensitive information to the attacker or to deploy malicious software on the victim's infrastructure like ransomware.
PayPal Holdings, Inc. is an American multinational financial technology company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods such as checks and money orders.