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The article discusses methods and scams that threaten users of the "InstaPay" application and how to protect financial balances from fraud. The main techniques include fake calls pretending to be from the bank or "InstaPay," requesting sharing of the OTP verification code or password; false collection requests used to fraudulently transfer money; fake links that impersonate official websites and ask for banking information; and malicious apps that monitor the phone through untrusted permissions. The article also offers important tips such as not sharing secret codes, reviewing transaction details, downloading apps only from official stores, and contacting the bank directly if any transaction seems suspicious, all to ensure the security of funds against digital scams.
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