英國人工智慧驅動的詐騙案件激增
AI-driven fraud cases surge in the UK
Updated at: June 16, 2026 at 10:15 AM
近年來，英國面臨著人工智慧(AI)驅動的詐騙案件激增的驚人趨勢，這類詐騙現在已佔英格蘭和威爾斯地區所有犯罪行為的40%以上。
In recent years, the United Kingdom has faced an alarming surge in AI-driven fraud, which now accounts for over 40% of all crime in England and Wales.
隨著人工智慧越來越容易取得，它成為了罪犯的「力量倍增器」，使得他們能夠以工業化的規模自動化詐騙。
As artificial intelligence becomes more accessible, it acts as a 'force multiplier' for criminals, allowing them to automate scams on an industrial scale.
截至2025年，支付詐騙損失高達約12.8億英鎊。
By 2025, payment fraud losses hit approximately £1.28 billion.
詐騙者越來越常用語音克隆和深偽技術來假冒親友或權威人士，使得大眾難以辨別真假。
Fraudsters are increasingly using voice cloning and deepfakes to impersonate loved ones or authority figures, making it difficult for the public to distinguish between reality and deception.
此外，人工智慧還能進行超個性化的網路釣魚，騙子通過建立可信且長期的關係來操縱受害者。
Furthermore, AI enables hyper-personalized phishing, where scammers build credible, long-term relationships to manipulate victims.
這種轉變讓許多人感到脆弱，僅約三分之一的成年人對自己識破詐騙的能力感到自信。
This shift has left many feeling vulnerable, with only about a third of adults confident in their ability to spot a scam.
雖然銀行正在採用先進的行為生物識別技術來抵禦這些威脅，但這場危機也突顯了重大的責任缺口。
While banks are implementing advanced behavioral biometrics to defend against these threats, the crisis has highlighted a major responsibility gap.
專家指出，科技和社群媒體平台必須採取更多措施從源頭阻斷這些詐騙。
Experts argue that tech and social media platforms must do more to block these scams at the source.
歸根結底，儘管科技在進步，但詐騙者仍然依賴於相同的老套人性弱點——緊迫感、恐懼以及對人際連結的需求——來獲得成功。
Ultimately, while technology evolves, scammers still rely on the same old human triggers—urgency, fear, and the need for connection—to succeed.
在當前這個「後真相」的數位時代裡，保護自己現在需要更高度的懷疑精神。
Protecting oneself now requires a heightened sense of skepticism in an increasingly 'post-truth' digital landscape.
