Estonian banks are implementing an upgraded Smart-ID authentication system to enhance protection against increasingly sophisticated online fraud. The update introduces additional security measures intended to disrupt common scam techniques. While adding slight complexity for users, the changes aim to significantly reduce vulnerability to phishing and other malicious activities. The Smart-ID system is widely used for accessing online banking and e-services in Estonia. Banks report a surge in scam attempts, prompting the need for stronger authentication protocols. This upgrade reflects a proactive approach to cybersecurity in a nation heavily reliant on digital services. The enhanced Smart-ID is being rolled out progressively across Estonian banking institutions.