Estonian banks are implementing an upgraded Smart-ID system to strengthen online security and protect customers from increasingly sophisticated scams. The update introduces additional verification steps during authentication, aiming to disrupt common fraudulent techniques. While adding slight complexity for users, the changes are intended to significantly reduce vulnerability to phishing and other cyber threats. Banks report a surge in scam attempts, prompting the need for enhanced security measures. The Smart-ID system is widely used for accessing banking and other digital services in Estonia. Authorities believe the upgrade will bolster trust in digital transactions and minimize financial losses due to fraud. The rollout is occurring now to proactively address evolving scam tactics.