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The software has keylogger capabilities. This allows the 'agent' to see the password that is being entered to encrypt the files, and file access gives the 'agent' access to the encrypted volume.
This then gives the headquarters access to any encrypted files the 'target' has.
FinSpy gives headquarters unlimited access to a mobile device. The 'target' receives a fake update message to his device. Should the user download the update, the software will be installed on the device.