Criminals masquerading as real suppliers are crafting convincing emails to accountants saying they need to be paid as soon as possible–and including payment instructions for a bank account they control. That’s exactly what happened with Jennifer DeStefano, an Arizona mother of four, as she testified to Congress in June. Even more frightening, if they have a short audio sample of a kid’s voice, they can call parents and impersonate the child, pretend she has been kidnapped and demand a ransom payment. Then they can text your grandparents, imploring them to send money to help you get out of a bind. If you post often on social media or anywhere online, they can teach an AI model to write in your style. The biggest dollar losses came from investment scams, but imposter scams were the most common, an ominous sign since those are likely to be enhanced by AI.Ĭriminals can use generative AI in a dizzying variety of ways. In a June 2023 survey of 650 cybersecurity experts by New York cyber firm Deep Instinct, three out of four of the experts polled observed a rise in attacks over the past year, “with 85% attributing this rise to bad actors using generative AI.” In 2022, consumers reported losing $8.8 billion to fraud, up more than 40% from 2021, the U.S. “We regularly see individuals using deepfake pictures and videos for authentication and can safely assume they were created using generative AI,” Kenneth Williams, a senior vice president at Synchrony, said in an email to Forbes. Synchrony, one of the largest credit card issuers in America with 70 million active accounts, has a front-row seat to the trend. Today, generative AI is threatening, and could ultimately make obsolete, state-of-the-art fraud-prevention measures such as voice authentication and even “liveness checks” designed to match a real-time image with the one on record.
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