Begin your article by defining smishing and explaining its impact on consumers, referencing recent FBI warnings and examples from user comments. Discuss Chase Bank’s new restrictions on Zelle payments and their implications for consumer safety. Transition into exploring the role of digital literacy in recognizing and preventing online scams, emphasizing practical steps individuals can take to protect themselves. Highlight the importance of widespread education and training in digital literacy to reduce vulnerability to such frauds. Conclude by advocating for collaborative efforts between financial institutions, regulatory bodies, and consumers to enhance online security practices.