In the United States, people lost a record $3.5 billion to impersonation scams last year, according to the U.S. Federal Trade Commission (FTC). These scams often start with a fake message or call from someone pretending to be a bank worker, government employee, or company staff. The scammers use artificial intelligence, or AI, to make their messages and voices sound real.

Many criminals use AI to copy voices and create convincing fake messages. They want people to believe they have a serious problem, like a hacked account, so the person will give away money or private information.

Because of these scams, banks and companies are making stronger security systems and warning customers. The FTC says people should not answer unexpected messages or calls, and instead contact their bank or company directly using its official website or app.