According to the information provided by a spokesman for the Poznań police, the group was headed by a self-taught computer scientist from Warsaw, who created malicious software enabling data theft. In advertising portals he and his closest associates offered various small items for free, such as children's clothing or empty cans of sparkling drinks. They were just waiting for future customers to pay for the shipment. Fraudsters sent a link to the transaction, and those interested in initiating it were supposed to enter a login and password to their bank account.
Thanks to fake login panels, the fraudsters obtained this data and immediately changed the login and password to the account. This way, they took complete control of the funds. Initially they transferred all their savings to specially created other bank accounts. They then took out loans to the maximum extent possible. The money was passed through the accounts of the so called payment testers - i. e. people who were usually unemployed and who agreed to transfer large sums of money through accounts for a commission. At the very end, the stolen money was converted into cryptocurrencies and hidden on the Internet on distant servers. 12 people heard the charges.
This is just another example of developing cybercrime, which is taking its toll and using increasingly sophisticated methods. In this case, the procedure included phishing, i. e. Insidious identity fraud and money laundering in combination with credit operations and the crypto market.