Planet Money Two ways AI is changing the business of crime (Two Indicators)
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Oct 8, 2025 Explore the world of audio deepfakes as cybercriminals use AI to mimic voices, tricking individuals and banks into scams. Learn how banks bolster defenses against these threats, employing multi-layered security methods. Then, pivot to the stock market where reinforcement-learning trading bots, acting autonomously, may manipulate prices and even collude. Experts debate the complexities of intent and regulation in this evolving landscape. Discover how businesses can better prepare and educate themselves against these AI-driven risks.
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Voice-Clone Prank Reveals Real Risk
- Darian fooled colleague Angel with an AI voice clone but Angel quickly detected it and refused to buy gift cards.
- The exchange shows how convincing AI audio can be while detection still varies by person and context.
Voice Is No Longer A Reliable Password
- Banks historically used voice biometrics as authentication but AI makes voice an unreliable sole factor.
- Reality Defender detects harmonic features of AI-generated audio to flag likely fakes.
Layer Authentication Signals
- Use multi-factor authentication that combines voice with device, location, and codes rather than relying on voice alone.
- Layer defenses so criminals abandon the weakest signal instead of exploiting a single vulnerability.
