Executive Summary Financial trust is becoming easier to imitate and harder to prove. A familiar voice, a recognizable face, an authenticated mailbox, a valid identity document, or a successful login once provided confidence in a person’s claimed identity. Generative artificial intelligence has weakened that assumption. Most fraud attempts will be less theatrical than a flawless synthetic video. Attackers are more likely to combine a compromised mailbox, cloned voice, fabricated document, stolen identity data, and credible business context until the target sees enough consistent signals to proceed. Losses reported to the Federal Bureau of Investigation’s Internet Crime Com…
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