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Phishing Emails: As the name suggests, these are fraudulent emails, claiming to come from the authorised channel. Diffusion of innovation theory attempts to explain and describe the mechanisms of how new inventions in this case internet and mobile banking is adopted and becomes successful Clarke They thus aid in the development of various industries in this way. Co-operative Banks Co-operative banks provide loans to small-scale farmers, small-scale businesses and salaried people.
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