The malefactors use a legit remote access tool for mobile devices called AirDroid. They try to dupe as many people as possible into installing the app and authenticating with credentials provided by the attackers. The main target audience is 25 year-olds and up. The idea is to transfer money from a card by sending a specific text message to a short number on behalf of the victim. While this service number varies for different banks, regular Google search helps find it in the blink of an eye.
https://www.tripwire.com/state-of-security/featured/crooks-drain-your-credit-card-account/
https://www.tripwire.com/state-of-security/featured/crooks-drain-your-credit-card-account/
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