澳大利亚银行和网络安全专家发出警告，长期以来流传的识别诈骗的建议正在失去效力。1 犯罪分子如今利用人工智能技术生成逼真的电子邮件、电话和视频深度伪造，冒充可信赖的人士和机构，使诈骗手法不再是零散的个案，而是演变为大规模、系统化的犯罪产业。1 2025年澳大利亚共报告超过84,000起网络犯罪案件。1
商业电子邮件欺骗、投资诈骗、身份欺骗、支付转向诈骗等多种形式已成为主要威胁。1 新南威尔士大学计算机科学与工程学院教授Sanjay Jha指出，"AI已将诈骗从手工业转变为工厂。你的几秒钟声音现在足以让犯罪分子冒充你"。1 2024年香港曾发生一起案例，英国工程公司Arup在一次涉及多人的深度伪造会议后，向犯罪分子转账约200万港元（365万美元）。1
ANZ银行总经理Cosi De Angelis表示，"随着AI发展，金融犯罪变得更难检测，因为它往往隐藏在合法企业、信任关系和日常交易中"。1 该银行在2025年10月至2026年6月期间，客户诈骗损失下降24%，同时阻止并追回超过1亿澳元的诈骗资金。1
Australian banks and cybersecurity experts are cautioning that conventional methods for identifying fraud are losing effectiveness as criminals increasingly deploy artificial intelligence to generate convincing emails, phone calls, and deepfake videos impersonating trusted individuals 1. The technology has transformed scamming from a manual practice into an industrial-scale operation, with threats now encompassing business email compromise, investment fraud, and identity theft 1.
In 2025, Australia recorded more than 84,000 cybercrime incidents 1. Despite this surge, ANZ Bank reported a 24 percent decline in customer fraud losses between October 2025 and June 2026, while simultaneously blocking and recovering more than 100 million Australian dollars in fraudulent funds 1. Sanjay Jha, a professor at UNSW's School of Computer Science and Engineering, highlighted the scale of the transformation, stating: "AI has turned fraud from a cottage industry into a factory. Your few seconds of voice is now enough for criminals to impersonate you" 1.
The risks extend beyond individual victims to major corporations. In 2024, a notable case in Hong Kong demonstrated this vulnerability when British engineering firm Arup transferred approximately 2 million Hong Kong dollars, equivalent to 3.65 million US dollars, to criminals following a deepfake multi-person conference call 1. ANZ's General Manager Cosi De Angelis observed that "as AI develops, financial crime becomes harder to detect because it often hides within legitimate business, trust relationships, and everyday transactions" 1. Criminals now employ diverse tactics including business email compromise, payment diversion scams, impersonation schemes, money mule accounts, identity fraud, investment fraud, and fraudulent goods-for-services schemes 1.
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