Smishing, or SMS-based phishing, poses an increasing threat to mobile users by mimicking legitimate communications through culturally adapted, concise, and deceptive messages, which can result in the loss of sensitive data or financial resources. In such, we present a multi-channel smishing detection model that combines country-specific semantic tagging, structural pattern tagging, character-level stylistic cues, and contextual phrase embeddings. We curated and relabeled over 84,000 messages across five datasets, including 24,086 smishing samples. Our unified architecture achieves 97.89% accuracy, an F1 score of 0.963, and an AUC of 99.73%, outperforming single-stream models by capturing diverse linguistic and structural cues. This work demonstrates the effectiveness of multi-signal learning in robust and region-aware phishing.

Smartphones have become indispensable in our daily lives and can do almost everything, from communication to online shopping. However, with the increased usage, cybercrime aimed at mobile devices is rocketing. Smishing attacks, in particular, have observed a significant upsurge in recent years. This problem is further exacerbated by the perpetrator creating new deceptive websites daily, with an average life cycle of under 15 hours. This renders the standard practice of keeping a database of malicious URLs ineffective. To this end, we propose a novel on-device pipeline: COPS that intelligently identifies features of fraudulent messages and URLs to alert the user in real-time. COPS is a lightweight pipeline with a detection module based on the Disentangled Variational Autoencoder of size 3.46MB for smishing and URL phishing detection, and we benchmark it on open datasets. We achieve an accuracy of 98.15% and 99.5%, respectively, for both tasks, with a false negative and false positive rate of a mere 0.037 and 0.015, outperforming previous works with the added advantage of ensuring real-time alerts on resource-constrained devices.