Phishing-as-a-Service (PaaS) has become a major threat to financial services by making advanced phishing tools accessible to attackers with minimal skills. Platforms like ONNX, DadSec, Tycoon2FA, and RaccoonO365 offer phishing templates, cloned websites, real-time dashboards, MFA bypass, obfuscation, and mass emailing, often via subscription models paid in cryptocurrency. Campaigns frequently use HTML and PDF attachments or QR codes to evade detection. Notable platforms like Lab Host, W3LL, and Greatness target Microsoft 365 and banking customers. Mitigations include advanced training, layered email security, phishing simulations, and stronger authentication such as FIDO2.

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