Avoiding scams - need to 'ownself check ownself'

AFTER an almost 1-minute wait for the one-time-password that never arrived, Ellen Low (not her real name) started to have a nagging suspicion that something wasn't right.

"I was looking at my phone after doing my duties at the hospital and there was a message from OCBC that informed me someone was trying to access my account from KL. The next line prompted me to click on a link if it wasn't me."

Instinctively, Low clicked on it, which brought her to what seemed like the Internet banking page, and started to key in the data requested.