In the age of Artificial Intelligence (AI), the concept of phishing and other cybersecurity threats has evolved by leaps and bounds. With threats posing risks to various elements like personal identity, security and finances - the misuse of AI agents, bots and services has now become an issue that we all have to deal with. Here are five major scams that are currently surging in India and how do we protect ourselves from them.
1. Digital Arrest Video Calls
Posing as or impersonating officials from law enforcement agencies - often using AI deepfakes - scammers design a call that often manipulates victims into getting lured onto a video call using fear, deceit and intimidation. Threats of arrest and freezing bank accounts are common ways to instil panic. Their modus operandi includes using fake documents, fake videos or doctored arrest warrants to make a false claim.
How to deal with it?
The best way to avoid getting scammed is to spread awareness among your circle that Digital Arrest does not exist in India. Should you encounter such a call, immediately hang up.
2. AI Audio Cloning
This scam leaves people perplexed when a mere seconds-long audio message or audio from an Instagram reel or YouTube video ends up getting cloned using AI. They use voices of relatives via an unknown phone number plunging them into a state of panic.
How to deal with it?
A good way to combat this would be to have a safe word known only within the family to best determine the genuineness of the voice.
3. AI Agent Fraud
Advisories and notifications from bodies like CERT-In and India's Ministry of Home Affairs advised banks, NBFCs and payment aggregators to beware of a new scam that involves the deployment of AI agents by cyber criminals to carry out micro-testing of compromised bank accounts before draining them of large amounts.
How to deal with it?
A helpful way to stay ahead of this scam would be to enable instant push and SMS alerts for even Re.1 debit or credit transaction, as that is often the amount received during the micro-testing by these agents. The next step is to immediately halt your card or UPI services to report and deal with this issue.
4. Courier Scams
IVR and voice bots are increasingly being used by scammers to pose as delivery or executive professionals from big courier companies, claiming the victim's packages are on hold during transit. Intimidation with a 'call transfer' to a deepfaked narcotics and customs official in order to extort money.
How to deal with it?
* Must understand that courier companies do not 'connect' customers to such officials directly over the telephone.
* Check tracking and order details from the official websites.
5. Fake Portals
Cyber criminals have begun using AI to build fake websites that clone or imitate official ticket bookings. The scammers employ AI bots that collect UPI payments and ID details, conduct transactions that cannot be traced later.
How to deal with it?
* Double-check these domains
* Booking tickets through authorised ticketing partners reduces the scope of such threats online.