While traditional malware infects a system via a file that requires execution, fileless malware can infect a device’s memory via an instruction set hiding in an email attachment.
Spear phishing differs from its more prevalent counterpart, phishing, in that it casts a smaller, more targeted net. Its tactics are also much more sophisticated.
You might be protected against credit card fraud, but your payment apps are still susceptible to attacks intended to take over your accounts, or steal your credentials and use them elsewhere.