Fortune | FORTUNE 15小时前
A flood of AI deepfakes challenges the financial sector, with over 70% of new enrolments to some firms being fake
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人工智能正在深刻改变金融服务业,例如Ant International利用AI处理巨额全球交易,提升效率和安全性,服务全球数亿用户。然而,AI的进步也为不法分子提供了新的工具,深度伪造(Deepfakes)的滥用已成为重大安全隐患。高达70%的新用户注册可能涉及深度伪造攻击,形式多样且逼真度极高。这给需要可信身份验证的金融机构带来挑战,尤其是在遵守反欺诈和反洗钱法规方面。例如,有报道称部分不法分子利用伪造身份获取科技公司职位,并将收益输送回国。为应对这些挑战,Ant International正加大在安全与AI技术研发、专业知识积累以及B2B AI产品拓展方面的投入,通过如Alipay+的GenAI Cockpit Platform和即将推出的EasySafePay 360等解决方案,强化风险评估与交易安全,以支持不断增长的跨境支付市场。

🤖 AI在金融领域的应用日益广泛,Ant International通过AI技术大幅提升了全球交易处理效率和安全性,支持了超过万亿美元的国际交易,为数亿商户客户提供服务。

⚠️ 深度伪造(Deepfakes)是AI技术带来的主要风险之一,不法分子利用其进行欺诈活动,高达70%的新用户注册可能存在深度伪造企图,已识别出超过150种攻击类型。

🔒 金融机构在KYC(了解你的客户)过程中面临挑战,深度伪造技术使得身份验证更加困难,威胁到反欺诈和反洗钱法规的遵从性,例如有案例显示不法分子利用伪造身份潜入科技公司。

🛡️ 为应对AI风险,Ant International正采取多项措施,包括加大在安全和AI技术上的投资,建立专业知识库,并积极拓展B2B AI产品,如Alipay+的GenAI Cockpit Platform,以提供实时风险评估。

🚀 Ant International正推出EasySafePay 360账户保护计划,该平台将利用AI管理风险、保障交易安全,并为未经授权的交易提供退款保证,以应对全球跨境支付的增长需求,预计到2028年市场规模将达1.8万亿美元。

Advancements like these can drive customer acquisition and boost employee productivity, all good for the bottom line. “AI has been a game-changer in how we provide international payment and financial services. In 2024, we processed more than $1 trillion in global transactions, all supported by AI,” says Tianyi Zhang, a general manager of risk management and cybersecurity at Singapore-based Ant International.

Yet while AI presents an opportunity for financial firms like Ant International, it also poses risks. Bad actors can exploit AI advancements to intensify the threat of scams and fraud against both clients and financial institutions. 

Zhang, in particular, is worried about deepfakes, “perhaps the most well-known examples of AI-generated risks.”

“In some markets, we have found that more than 70% of new enrolments may be deepfake attempts,” he notes. “We’ve identified more than 150 types of deepfake attacks.”

Last year, Microsoft warned that AI-generated deepfakes are now highly realistic and increasingly simple for anyone to produce. The company flagged that deepfakes were now increasingly being used in fraud, and called for new legislation to curb bad actors from using these technologies. 

Deepfakes can be a challenge for financial institutions like Ant International, which need trusted identities to be able to carry out know-your-customer checks to comply with anti-fraud and anti-money laundering legislation.

For example, cybersecurity experts say that North Korean IT workers use deepfaked identities to get jobs at leading tech firms and funnel earnings back to the isolated country. 

‘Enhanced security’

Ant International is the international wing of Ant Group, the fintech affiliate of e-commerce giant Alibaba and operator of the ubiquitous Alipay payments app. In 2024, Ant Group set up Ant International as an independent business unit with its own board. 

Ant International operates Alipay+, Antom, Bettr, and WorldFirst, and is present in more than 60 markets globally. The company facilitates services like payments, cross-border transactions, and lending.

Zhang said AI helps Ant International deliver “greater efficiency” and “enhanced security” to its 100 million merchant customers worldwide, most of which are small and medium enterprises.

To combat new threats from AI, Ant International is focusing on three areas: investing in security and AI, building expertise and fintech-specific knowledge banks, and expanding its business-to-business AI products. 

Zhang points to Alipay+’s GenAI Cockpit Platform, which gives fintech firms, banks and superapps real-time risk assessment, among other services. Ant International claims the platform combats hallucinations and other data risks by using over 100 recognition models and 600,000 risk lexicons.

Ant International is also gearing up to launch EasySafePay 360, an account protection program for Alipay+, in the coming months. This platform will leverage AI to manage risk and safeguard transactions, as well as offer a money-back guarantee for transactions deemed to be unauthorized.

The company hopes the platform will facilitate the growing number of cross-border payments, spurred by global travel. Ant International, citing external research, estimates that the gross cross-border travel services market could reach $1.8 trillion by 2028.  

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人工智能 金融科技 深度伪造 网络安全 跨境支付
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