Cybercrequence evolves rapidly and today criminals are using artificial intelligence (AI) to perfect their methods, making scam They only empty accounts, but also compromise savings, credits and investment capacity, putting at risk the financial security of thousands of people nationwide.
For the financial entity specialist, the most immediate effect of these attacks is a deep crisis of trust because “people are afraid of online transactions, contributing to curb the adoption of digital channels, which are vital for financial inclusion”
According to Caja Piura, the regions of Lima, Piura, Cajamarca, Lambayeque and San Martín concentrate the greatest risk because criminals use AI to create phishing scams and fraudulent text messages almost perfect, supplant biometric identities by artificially generated faces and even clone a person’s voice to authorize loans or money transfers without their consent.
Faced with this threat, Roberto Casana said that “the response must be equally technological. That is why we have implemented cybersecurity enhanced with AI as a key strategy, since it allows to detect fraud in real time and block suspicious operations immediately, actively protecting the money of our customers.”
Digital education remains the most powerful shield for users, because it gives them the necessary tools to recognize fraud attempts and safely use digital channels. “In rural areas, the culture of cybersecurity has been strengthened through training aimed at personnel that directly attend to the client, in this way they can help sensitize our clients generating greater awareness about the responsible and safe use of digital channels,” he added.
For the specialist, the most common frauds are:
- False messages (Phishing and Smishing) in which you send you emails or SMS that seem real to steal data.
- Biometric supplantation with fingerprints or false faces created by AI to access accounts.
- Client’s voice cloning, false recordings to authorize credits or transfers.
- Deepfakes Videos or false audios of officials or advisors to deceive customers.
- Directed Social Engineering, Personalized scams using social networks information.
- Fraud with credits or false social programs, through pages and forms created with AI to capture sensitive data.
Low digital literacy and limited access to complaint channels in some areas facilitate that these fraud have more impact.
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