随着人工智能迅速发展，金融诈骗手段变得愈发逼真，网络安全专家警告称，最好的防御并非复杂的检测软件，而是传统而有效的人类怀疑精神。
As artificial intelligence rapidly evolves to make financial scams hyper-realistic, cybersecurity experts warn that the best defense isn't sophisticated detection software — it's good old-fashioned human skepticism.
网络安全专家摩根·赖特表示，尽管中国、俄罗斯等敌对国家正在全球范围内利用人工智能，但普通美国民众却最常成为网络犯罪分子的攻击目标——这些犯罪分子试图利用个人弱点，迅速骗取钱财。
While adversarial states like China and Russia leverage AI on a global scale, average Americans are most frequently targeted by cybercriminals looking to exploit personal vulnerabilities for a quick payout, according to cybersecurity expert Morgan Wright.
“让我们回到大约1860年，当时埃德加·爱伦·坡写道：‘不要相信你所听到的一切，也不要完全相信你所看到的一切，’”赖特在接受福克斯新闻数字频道采访时说，“这条建议如今依然像160年前那样适用。”人工智能语音诈骗可以克隆你家人的声音。人工智能技术让不法分子能够自动化并大规模实施针对普通公民的个性化欺诈计划。生成式工具消除了语言障碍，可以起草极具说服力的钓鱼短信，并生成极其逼真的语音和视频克隆。
"Let's go back to around 1860, when Edgar Allan Poe wrote: ‘Believe nothing that you hear and only one half that you see,’" Wright told Fox News Digital. "That advice is as good now as it was 160 years ago." AI VOICE SCAMS CAN CLONE YOUR FAMILY’S VOICE AI technology has allowed bad actors to automate and scale personalized fraud schemes against everyday citizens. Generative tools eliminate language barriers, draft convincing phishing texts, and generate hyper-realistic voice and video clones.
只需截取短短几秒钟的音频——通常是从社交媒体上获取的——诈骗者就能逼真地复制出家庭成员的声音。赖特提到了德博拉·德尔马斯特罗的案例：这位来自加州的母亲因诈骗者利用人工智能克隆她女儿的声音，制造了一起骇人的绑架骗局，最终损失了数千美元。
By capturing just a few seconds of audio — often scraped from social media — fraudsters can convincingly replicate the voice of a family member. Wright pointed to the case of Deborah Del Mastro, a California mother who lost thousands of dollars after scammers used AI to clone her daughter’s voice to stage a terrifying kidnapping hoax.
家庭群聊是诈骗者的“金矿”。“那是我的女儿的声音，”德尔马斯特罗在《网络达人报告》播客节目中回忆道，“而且她当时正在惊恐发作。”她确信女儿正面临生命危险，于是向诈骗者转账了超过5000美元，直到后来才意识到自己被骗了。
THE FAMILY GROUP CHAT IS A GOLDMINE FOR SCAMMERS "It's my daughter's voice," Del Mastro recalled during an interview on The CyberGuy Report podcast. "And she's having a panic attack." Convinced her daughter was in immediate danger, Del Mastro transferred more than $5,000 to the scammers before realizing she had been swindled.
欺诈专家警告：人工智能正帮助犯罪分子跑在政府前面：“我们还没有合适的工具”“当你连一个母亲都能骗过时，就说明这些技术已经发展到这个程度了，”怀特在谈到语音克隆技术时说道。“它们利用的是操控、影响和欺骗。我让声音听起来越紧急，你就越容易放松警惕并采取行动。”怀特曾为联邦、州和地方执法部门提供行为分析、访谈和审讯方面的培训，包括美国联邦调查局（FBI）和国家安全局（NSA）的团队。他强调，所有骗局都依赖基本的心理触发机制。
FRAUD EXPERT WARNS AI IS HELPING CRIMINALS OUTPACE THE GOVERNMENT: 'DON'T HAVE THE RIGHT TOOLS' "When you can fool a mother, that's how good these things are getting," Wright said of the voice-cloning technology. "What they do is use manipulation, influence, and deceit. The more urgent I can make it sound, the more you're going to lower your guard and take action." Wright, who has trained federal, state, and local law enforcement in behavioral analysis, interviewing, and interrogation — including teams at the FBI and the National Security Agency — emphasized that every scam relies on basic psychological triggers.
他对任何接到可疑电话或信息的人给出的首要建议是：在回应之前先停下来。
His primary advice for anyone on the receiving end of a suspicious call or message is to pause before reacting.
“我们不是在诺曼底登陆；你不会被当场逮捕，”怀特说。“没有任何执法机构会未经请求地给你发短信，说你即将被捕。”尽管人工智能平台不断推出更新的安全功能，但诈骗者总能找到绕过这些功能的方法，这使得基于软件的检测始终处于动态变化之中。
"We're not storming the beaches at Normandy; you're not going to get arrested," Wright said. "No law enforcement agency sends you an unsolicited text saying you're about to get arrested." While AI platforms roll out updated security features, scammers continuously find ways around them, making software-based detection a constant moving target.
“我们听说xAI、Anthropic、OpenAI和Gemini推出了各种不同模型——它们频繁更换模型，”怀特说。“所以，当模型一变，这些检测软件还能有多有效？我们不知道，因为这一切发展得太快了。你今天看到的情况，明天可能会发生巨大变化。”
"We hear about all the different models from xAI, Anthropic, OpenAI, and Gemini—they change models constantly," Wright said. "So when the model changes, how effective is [detection software]? We don't know, because this stuff is moving so fast. What you see today will be drastically different tomorrow."