Scammers are becoming increasingly sophisticated, with more emails, phone calls and text messages crafted to look and sound like the real thing. This is often because thieves are adding artificial intelligence to its arsenal of tools to transform their tricks into messaging that genuinely looks like its coming from a person you know and trust.

Here are the top ways that scammers are using AI and what you can do to protect yourself.

How Scammers are Using AI

• AI-Powered Phishing Attacks. Phishing attacks have been around for decades, but AI makes them far more convincing. AI can analyze large amounts of data to craft messages that look and sound authentic, increasing the chances of tricking victims into clicking malicious links or providing personal information.
• Deepfake Scams. Deepfake technology allows scammers to create realistic videos and audio clips that impersonate real people. Some examples include fake videos of CEOs instructing employees to transfer money or of celebrities endorsing fraudulent products.
• Generate Realistic Conversations. Scammers are using AI chatbots that can hold realistic conversations with potential victims. These bots can appear very convincing while pretending to be customer service agents, a friend or family member, or even government officials. The goal is to trick you into sharing sensitive information or sending money.
• Fake Profiles. AI can scan all of a person’s online footprint to create a realistic profile and social media accounts. Scammers then use these fake personas to try and steal information and money from you.

Protect Yourself from AI-Driven Scams

• Be skeptical of unsolicited messages. If you receive an email, text, or call from a company or person you don’t recognize, verify its authenticity before responding. Do this by contacting the company or person directly using official channels.
• Use multi-factor authentication (MFA). Constantly using MFA on every website you visit may cause some frustration, but it’s nothing compared to the frustration you may experience if your identity or money are stolen. Even if scammers steal your password, they’ll need an additional verification step to access your accounts.
• Verify identities. If someone claims to be a friend, boss, or family member requesting money, first verify their identity through another channel, such as a phone call or video chat.

Look for red flags. AI-generated scams often contain small inconsistencies—such as unnatural speech patterns in voice messages, slight facial distortions in deepfake videos, or unusual grammar in AI-generated texts. Trust your instincts and independently verify whenever you can.