Mini Perveen, a young girl in remote Purnia, Bihar—one of India’s most underdeveloped districts—recently discovered her niche by selling embroidered artwork online.

One lazy afternoon, she received a call from an unknown number. The caller claimed to have seen her products online and wanted to place a large order for an upcoming festival season. She was thrilled.

To confirm her payment details, he sent a one-rupee test transfer to her account. Immediately, she received a text message. While still conversing with her on the phone, he said he had made the payment in advance for her products. Moments later, she received another text—a fake alert mimicking her bank’s format—showing a large deposit of Rs 50,000 (about USD $600).

![A screenshot of a scam text message](https://www.in…

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