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Criminal goes to the victim’s workplace, and get the name and ID number of their work wifi.
The criminal sets up a wifi hot spot with the same name and ID number. They also set up some fake web pages of popular bank web sites, and the victim’s work email web site.
Then the criminal drives past the victim (or sits near them in the coffee shop), so that the victim’s phone or laptop detects the fake wifi hot spot, and auto-connects to it.