by Julie Randolph, Information and Access Care Coordination Manager

AI is technology that enables computers and machines to simulate human learning, comprehension, problem-solving, decision-making, creativity, and autonomy. AI works by teaching computers to learn from data fed into the program and find patterns to make decisions and predictions.

There are five common AI SCAMS to be aware of:

• Voice cloning or deepfakes (which are fake videos made by assimilating features from photographs and voice patterns) of family, friends, and public figures that are intended to spread misinformation or stage a crisis and request funds.
• AI Enhanced Phishing and Fake Websites – Phishing is the impersonation of trusted entities, including government officials and bank employees, via email, text, or phone calls. Fake websites are generated to get you to disclose confidential information like PIN numbers and account information.
• AI Romance scams are fake profiles or personas to lure you into an emotional connection. The best phrase to remember is: “Think before you swoon” to protect your money and your heart.
• Fake Investment Platforms often impersonate CEOs on YouTube to lure someone into fraudulent schemes. Remember: If it seems too good to be true, it is.
• Chatbots – A chatbot is a computer software application designed to simulate human conversation through voice, like Siri and Alexa. Chatbots are commonly used to provide fast and efficient customer service and reduce the cost of human personnel. Chatbot Impersonation is the malicious use of this software that poses as customer service representatives and builds false trust, encouraging you to share personal information to purchase a non-existent service or product, or to simply steal your identity.

Consider developing a Decision Tree for yourself to build a defense against the scams that you can turn to when you are emotional, tired, or acting on impulse. This could include simple tips to leave next to your phone or computer.

Do I know this caller or sender? Have I called the source to determine authenticity? Is the caller or sender causing me to feel rushed, desperate, or panicked? It is not rude to hang up or block the caller or sender if you feel uncomfortable. It is not wrong to not answer a call, text, or email from someone you do not know. Hover over the link or sender address to see if it is accurate. Do not click on links from unknown senders. Navigate websites by directly entering the address, careful not to allow autofill, which can lead to a malicious site.

Consider getting a phone with restricted call and scam-proofing features. Program your security settings to require two-factor authentication. Use strong and unique passwords and login credentials. Keep anti-virus operating software up to date.

As we enter the second quarter of this century, fraudulent practices are becoming more sophisticated. It is up to you to scrutinize every communication you receive.