OpenAI首席执行官Sam Altman在一次金融行业活动上发表讲话，对金融机构依赖的身份验证方式提出严厉批评，特别是语音身份验证，他认为AI技术已经能够轻易攻破这些传统方法。Altman强调，金融公司必须积极拥抱并超越AI技术的发展，否则将面临客户资金损失的巨大风险。他预测，随着AI能力的增强，一场大规模的欺诈危机即将到来，甚至可能出现利用AI攻击金融系统、掠夺用户资金的严峻情况。他呼吁社会和金融机构共同应对这一挑战，改变身份验证和交互方式，以应对AI带来的潜在威胁。

🎙️ **AI已颠覆传统身份验证方式**：Sam Altman指出，当前许多金融机构仍在使用的语音身份验证等方式，已被AI技术攻破。他认为，除了密码，大多数现有的身份验证手段都已无法有效抵御AI的攻击，金融业亟需升级其安全措施。

⚠️ **金融系统面临“欺诈危机”**：Altman警告称，AI技术的发展将引发一场“重大的欺诈危机”。他预测，恶意行为者可能利用强大的AI技术攻击金融系统，导致大规模资金被盗，对社会稳定构成严重威胁。

🛡️ **金融机构需保持技术领先**：面对AI带来的挑战，Altman敦促金融机构必须“出奇制胜”，确保自身技术能力始终领先于AI的潜在威胁。他强调，如果不主动适应和超越AI，金融公司将面临客户资金损失的风险。

🌐 **AI安全是全社会挑战**：Sam Altman认为，AI对金融安全的影响是全社会需要共同面对的问题。他呼吁社会各界，特别是金融监管机构和行业领导者，应积极改变人们的交互和验证方式，共同应对AI技术带来的风险。

OpenAI CEO called out banks and other financial institutions relying on voice authentication.He said AI is changing the way we authenticate data, and companies need to get ahead of it.He also raised concerns about AI breaking into financial systems and taking 'everyone's money.'

Sam Altman is urging financial leaders to learn to outwit the very technology he helped create.

Speaking before a group of financial regulators and industry leaders on Tuesday, the CEO of ChatGPT maker OpenAI said financial companies need to do a better job of staying one step ahead of artificial intelligence — or risk losing customers' money.

"A thing that terrifies me," he said, "is apparently there are still some financial institutions that will accept a voice print as authentication for you to move a lot of money or do something else."

"That is a crazy thing to still be doing," Altman said, saying, "AI has fully defeated most of the ways that people authenticate currently — other than passwords."

Altman, speaking at an event hosted by the Federal Reserve in Washington, DC, warned against what he called a "significant impending fraud crisis" as a result of AI.

"Society has to deal with this problem more generally, but people are going to have to change the way they interact. They're going to have to change the way they verify," he said, adding, "This is a huge deal."

During the Q&A session, Altman was asked what keeps him up at night, and one of his responses involved a large-scale financial attack.

In that scenario, he predicted someone, perhaps an adversary of the United States, gets a hold of powerful AI to attack the US using bioweapons or to "break into financial systems and take everyone's money."

Protecting against that would be tough because the adversary's AI would be smarter than ours and therefore hard to defeat, he said.

Altman is not alone in his fears. Earlier this year, Accenture surveyed 600 bank cybersecurity leaders, and 80% said they believe generative AI is empowering hackers faster than their banks can respond.