April 25, 2008 - "Some phishing gangs have a new technique. They're using trojan-spy applications... the message doesn't mention anything about providing an account-name or password. Instead, it attempts to convince the recipient that they need to install a Digital Certificate for enhanced safety. (Anybody want to buy a bridge?)... It's basically a page full of jargon designed to overwhelm the potential victim. What happens if the victim falls for the bait and installs the "certificate"? A trojan-spy will be installed. So now the phishers don't need to ask for passwords anymore, they can just take them. This technique keeps the classic element of phishing by mimicking the trusted institution — the bank. What they've adjusted is the part that people have become skeptical of, which is giving away their password when requested by e-mail."
(Screenshots available at the URL above.)