Scams have upgraded in the AI era; these 5 tips will protect your Wallet.

Why AI Scams Are Becoming More Ruthless

AI technology has significantly lowered the threshold for scammers. The old scam emails filled with grammatical errors are outdated - now AI can help them:

• Batch Precision Attack: Automatically generate personalized messages targeted at you, no more mass spam.
• Fake websites are incredibly realistic: Quickly create websites that look exactly like real banks using generative AI, and the cost is very low.
• Deepfake + Voice Cloning: Your parents call you on a video call saying they urgently need money? It could be AI-generated.
• Poisoning Search Engines: Searching for bank customer service numbers on Google, but being directed to a scammer's fake page.

Common New AI Scams

Fake Website Phishing: Scammers create AI-generated websites that look exactly like your bank's, tricking you into entering your username and password. Then they call pretending to be bank employees and ask you to provide the verification code—just like that, your account gets hacked.

Voice and Video Scam: Received a video call from a “family member” urgently asking for money? It might be AI face-swapping.

Search Engine Poisoning: When you Google “Bank of China customer service”, the first result that appears is a scammer's fake number.

How to protect yourself

1. Recognize Scam Signals

• Any sudden emergency requests are suspicious.
• Real banks will never ask you to transfer money to “protect funds” or “keep it confidential”
• If it's a suspicious call, hang up directly.

2. Do not trust unknown links and calls

• Do not click on links in suspicious text messages/emails
• Hang up proactively on unknown numbers
• Agree on a “code word” with family to prevent voice scams.
• If you have any questions, just call the official number (the one on the back of your bank card)

3. Pay attention to information security

• Use a password manager + strong passwords
• Enable Two-Factor Authentication (2FA)
• Open automatic update patch

4. Monitor Account Activity

• Regularly check the bills and immediately alert if there are any abnormalities.
• Regularly check your credit report to prevent identity theft.
• Many banks offer free abnormal transaction alerts.

Bottom Line: If unsure, stop. Call the official number to confirm. Spending an extra two minutes to verify is nothing compared to the loss of being scammed.