We think your bank account has been hacked, to prevent your money being lost we need to reset your login details urgently. What is your username? What is your insecure password, we will reset for you?"
The process of tricking or manipulating people into giving away confidential information or access details.
Shouldering involves watching people as they enter their login details or PINs.
A criminal inventing a scenario to trick a victim into divulging information that they wouldn't normally do otherwise.