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Writer's pictureRiddhi Agrahari

Is FraudGPT the Frankenstein of Payments industry?


The fiction we grew up with often warned about the consequences of technological advancements. Works like Mary Shelley's "Frankenstein," Kazuo Ishiguro's "Never Let Me Go," and Michael Crichton's "Jurassic Park" explored the dark side of biotechnology, cloning, genetic engineering, nanotechnology, and artificial intelligence.



Unfortunately, reality is now echoing these cautionary tales with the emergence of malicious AI chatbots like FraudGPT and WormGPT. 



·      These bots, based on ChatGPT-3 technology, can generate realistic and coherent texts, and cybercriminals exploit them to carry out malevolent activities.



·      FraudGPT is used for crafting deceptive emails that appear authentic, tricking individuals into believing they've received official communications from banks or businesses. 



·      This enables phishing scams, social engineering tactics, malware distribution, and other fraudulent schemes.



·      Dark web marketplaces like Empire, WHM, Torrez, Alphabay, and Versus are home to these nefarious bots, available through monthly subscriptions ranging from $200 to $1,700.



The payments industry faces significant risks due to FraudGPT. The technology's sophistication allows cybercriminals to create convincing schemes that can deceive systems and bypass security measures, leading to financial losses and compromised transactions.



While technology can provide incredible benefits, these examples remind us of the importance of responsible and ethical use, as unchecked advancements can lead to unintended and monstrous consequences in the real world.



It is crucial for individuals and industries to remain vigilant and adopt robust security measures to safeguard against the ever-evolving threats posed by AI-driven fraud.

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