Personal Financial Literacy Module 4 DBA Practice Test

Shoulder surfing is a well-known tactic that identity thieves often use to steal personal information, particularly at ATMs. This method involves a person observing another individual as they enter their PIN or other sensitive information. It can occur in crowded locations where the thief can discreetly watch over someone's shoulder to capture their credentials. This tactic takes advantage of the physical proximity of the thief to the victim, making it easier to obtain sensitive data without the need for technological skills or equipment.

The effectiveness of shoulder surfing lies in its simplicity and the element of surprise. A thief doesn’t need sophisticated technology; they just need to be attentive as the victim interacts with the ATM. It’s crucial for users to be aware of their surroundings and take precautions, such as positioning themselves correctly or using shielding movements with their hands.

Other methods mentioned, such as phishing (which involves deceptive emails or messages), bribery (which implies direct coercion for information), and hacking (which refers to unauthorized access to electronic devices or networks), are less relevant in the context of information theft occurring at ATMs during a user’s interaction. These methods usually involve more complex approaches compared to the straightforward visual observation involved in shoulder surfing.