By Nasarah Dashe

This is Challenge #2 in a series. Read Challenge #1 here .

Imagine waking up to 50 missed calls from your bank. You check your account balance. It is empty.

A SIM‑swap fraudster convinced your telco agent to transfer your number to another SIM card, then used it to reset your mobile banking PIN and drain every kobo.

Later that week, you receive an email from "Flutterwave Support" asking you to verify a suspicious transaction. You click the link. Within seconds, infostealer malware copies your saved passwords, browser cookies, and BVN‑linked credentials to a server in Eastern Europe.

This is not a hypothetical.…