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On a regular Monday afternoon, Kwaku Rasta, a graduate of the University of Ghana with a first degree in Psychology, receives a supposed SMS alert from his bank, prompting him to click a link to answer certain questions that will enable the bank to safeguard his accounts. Kwaku assumes it is a normal routine.  In the process, he is made to provide the name on his bank account, his bank account number, email address attached to the account and a box is provided for him to input a One-Time Password (OTP) sent to him. He completes the process, thinking his money is safe, and in less than 10 minutes, he receives an alert that a substantial amount of money has been debited from his account.