What is on the show. Programme. Let us take a look at what is on the show. Nothing could have prepared what is on the show. Nothing could have prepared me what is on the show. Nothing could have prepared me for what is on the show. Nothing could have prepared me for the what is on the show. Nothing could have prepared me for the response she gave me next. Mum, these bad men have me, help me, help me fix, have me, help me, help me a daughter called her mother to say she had been kidnapped but she had not, hervoice she had been kidnapped but she had not, her voice had been included by Artificial Intelligence and it was a scheme. As ai takes on business, it is already a multi billion pound battle. I will discuss all of that with these two. A man who shows the tricks of the trade and what can consumers do about it . We will ask errant from the Consumer Federation of america. Plus The Inside View of the green transition from one of its leaders, the boss of the spanish giantjoins me and we will ask if business cant save the planet from climate change. Wherever you arejonny may climate change. Wherever you are jonny may from around the world, hello and a warm welcome to the show. Fraud and scams, they are nothing new but with each technological change, the fraudsters are quick to pounds on new possibilities. We have all had e mails and Text Messages trying to scam as out of cash by people pretending to be someone we know work with a Time Limited Offer that is too good to miss or maybe they are pretending to be a tax official or a utility which asks as to transfer money urgently to them. Now with Artificial Intelligence promising to speed up the world of business, the fraudsters are already taking advantage of these new possibilities. In april, jennifer, a mother in arizona received a phone call from an unknown number. She thought it might be her doctor but instead she heard the voice of her 15 year old daughter, breanna. She told the rest of the tory to the us senate. It told the rest of the tory to the us senate. , �. ,. , told the rest of the tory to the us senate. , �. ,. , ,. , senate. It was breanna sobbing and c in , senate. It was breanna sobbing and crying. Saying. Senate. It was breanna sobbing and crying. Saying. Mum senate. It was breanna sobbing and crying, saying, mum at senate. It was breanna sobbing and crying, saying, mum at first senate. It was breanna sobbing and crying, saying, mum at first i crying, saying, mum at firsti thought nothing of it and after what happened. She continued, i messed up, sobbing and crying continuously. I asked her, what happened . Suddenly a mans voice barked at her, lay down and put your head down. I started to panic. My concern is littered as i demanded to know what was going on but nothing could have prepared me for her response she gave me. Mum, these bad men have me, help me, help me the phone was taken from her. A man took the call over. I have your daughter, if you call anybody, over. I have your daughter, if you callanybody, i over. I have your daughter, if you call anybody, i will pop her body for of drugs, have my way with her and drop her body in mexico. They wanted 50,000 in cash to be transported to my daughter. If i didnt have all that money, we would both be dead. I was shocked. At that point in time, the second mum came back to me and she had killed my husband who find breanna in bed. I called the police and they said it was a prank call, that it happens often and there was nothing to be done so i turned to the community and the responses were overwhelming. Friends and neighbours came out with their stories, Friends And Neighbours came out with theirstories, Kidnapping Phone their stories, Kidnapping Phone Calls theirstories, Kidnapping Phone Calls coming from their childrens phones, bags of money being driven to mexico and even voices of Young Children who do not have funds. Jennifers story, dramatic example of the new possibilities ai is giving criminals to scam us. In the us alone, there was a 30 jump in fraud last year to almost 9 billion. 2. 6 billion of that was a so called Impostor Scams, fraudsters are pretending to be people or businesses and successfully getting billions for their dirty work. But we are also spending a lot of tackle the threat. 6. 5 billion was spent on detecting Ai Fraud Last year, global estimate by Research Company who put it that will rise to 10 billion a year by 2027. One of those leading the charge is the massive cybersecurity company, checkpoint and my first guest is its chief security officer. A pleasure having you on the show, and let us start with this because fraud is obviously nothing new but i am just wondering how big of a game changer is al when it comes to fraud . It is how big of a game changer is al when it comes to fraud . It comes to fraud . It is lowering the bar for it comes to fraud . It is lowering the bar for scammers. It comes to fraud . It is lowering the bar for scammers. Both it comes to fraud . It is lowering | the bar for scammers. Both have it comes to fraud . It is lowering the bar for scammers. Both have the the barfor scammers. Both have the ability to use ai the barfor scammers. Both have the ability to use al to automatically create convincing targeted e mails or scams as well as creating zero malware code that can be vector for ransomware. It is creating College Level inner speaking actors in countries that dont speak english. In countries that dont speak en. Lish. ~ , in countries that dont speak enalish. ~ ,. , in countries that dont speak enalish. ~ ,. G � , english. We ust heard jennifers story about english. We just heard jennifers story about a english. We just heard jennifers story about a fake english. We just heard jennifers story about a fake phone english. We just heard jennifers story about a fake phone call english. We just heard jennifers i story about a fake phone call from her daughter. How easy is it . It can take as little her daughter. How easy is it . It can take as little as her daughter. How easy is it . It can take as little as ten her daughter. How easy is it . It can take as little as ten minutes her daughter. How easy is it . It can take as little as ten minutes to take as little as ten minutes to clone a video voice from social media. The tools are free, easy to use and hackers or even using their own tools that are on the dark web that dont have the watermarking or the guardrails that are trying to vent this kind of misuse. I are trying to vent this kind of misuse. ~. , are trying to vent this kind of misuse. ~. , ,. ,. Misuse. I know my producer asked you to look at my misuse. I know my producer asked you to look at my social misuse. I know my producer asked you to look at my social media misuse. I know my producer asked you to look at my social media to misuse. I know my producer asked you to look at my social media to see to look at my social media to see what you could do and i think you have an audio clip and a video clip. Let us start with what you came up with the audio clip. Hi. Let us start with what you came up with the audio clip. Let us start with what you came up with the audio clip. Hi, honey, i am in paris and with the audio clip. Hi, honey, i am in paris and my with the audio clip. Hi, honey, i am in paris and my money with the audio clip. Hi, honey, i am in paris and my money and with the audio clip. Hi, honey, i am in paris and my money and phone l with the audio clip. Hi, honey, i am. In paris and my money and phone were stolen. I need money imagery. Iwill send you my colleagues paypal information. Thank you very much, i love you and i will call you later. That is pretty scary stuff that was m voice. That is pretty scary stuff that was my voice we that is pretty scary stuff that was my voice. We live that is pretty scary stuff that was my voice. We live in that is pretty scary stuff that was my voice. We live in a that is pretty scary stuff that was my voice. We live in a postreal i my voice. We live in a post real society yes, absolutely, it is your voice and if you call your mother with that voice, it also your mother. ,. , with that voice, it also your mother with that voice, it also your mother. ,. ,. ,. , mother. Just to be clear, that was ust from mother. Just to be clear, that was just from the mother. Just to be clear, that was just from the stuff mother. Just to be clear, that was just from the stuff available mother. Just to be clear, that was just from the stuff available that i j just from the stuff available that i had put out or shared on social media so do people need to change what they put out on social media . Are we likely to stop sharing things if this opens is all up for scams . I think that cat is out of the bag. But we need to think about is what we share publicly. The risk to you getting scammed or your house being broken into increases with posts when you say youre on vacation and scammers know your dogs name and your grandmothers name. Do not over shared with the other thing is, have a safe word that only you and your family know or that you and your Business Colleagues use to validate transactions and potential threats to your family. Transactions and potential threats to your family to your family. That was scary enou h to your family. That was scary enough just to your family. That was scary enough just listen to your family. That was scary enough just listen to to your family. That was scary enough just listen to the to your family. That was scary| enough just listen to the audio to your family. That was scary enough just listen to the audio but you have also put a fake video of me together . What did you come up with . Morocco is saving devastating consequences of the recent earthquake. Support them now. We used earthquake. Support them now. Used chatgpt and other tools to take your voice clone and create a video for the moroccan earthquake, asking for the moroccan earthquake, asking for money and your collie into a number that the scammers have so it is actually trivial, it took us about 1015 minutes to do that. It begs the question, what do people do about this cosmic right now, the ai tools can only take a frontal face picture and animate it so if you think you are talking to an Artificial Intelligence person, as them to turn around and shoot their bald spot, the back of their head,. Good tip it is notjust phone calls because i am wondering, texts, e mails and letters, can they be just as powerful . Yes emails and letters, can they be just as powerful . Just as powerful . Yes and it is easier to just as powerful . Yes and it is easier to create just as powerful . Yes and it is easier to create with just as powerful . Yes and it is easier to create with scripting | easier to create with Scripting Chatgpt so thousands of e mails can be created and sent out from pennies and only if you people have to click on those involved with those scams for it to be profitable for the scammers. For it to be profitable for the scammers for it to be profitable for the scammers. ~. ,. ,. , scammers. We heard a mother who received a fake scammers. We heard a mother who received a fake kidnap scammers. We heard a mother who received a fake kidnap call scammers. We heard a mother who received a fake kidnap call from scammers. We heard a mother whoj received a fake kidnap call from her daughter and she said that the police said to her that no law had been broken because the scammers didnt actually get any money but it makes you wonder, does there need to be a change in the law to make this kind of impersonation illegal . Yes. Kind of impersonation illegal . Yes, we do. Kind of impersonation illegal . Yes, we do here kind of impersonation illegal . Yes, we do here in kind of impersonation illegal . Yes, we do. Here in the kind of impersonation illegal . Yes, we do. Here in the us kind of impersonation illegal . Yes, we do. Here in the us we kind of impersonation illegal . Yes we do. Here in the us we have seen at least six scams where the hackers have made off with money from those type of kidnapping scams and we have also seen company scammed for money. We recently saw the mgm hack that was a call into the help desk with potentially a voice clone. Potentially a voice clone. Again, not ust potentially a voice clone. Again, not just families potentially a voice clone. Again, not just families or potentially a voice clone. Again, notjust families or individuals, l notjust families or individuals, businesses are being targeted, fraudsters pretending to be colleagues or other companies Scamming Money . Colleagues or other companies Scamming Money . Colleagues or other companies scammin mone . ,. , Scamming Money . Yes, we are seeing it multile Scamming Money . Yes, we are seeing it multiple times Scamming Money . Yes, we are seeing it multiple times in Scamming Money . Yes, we are seeing it multiple times in the Scamming Money . Yes, we are seeing it multiple times in the scams Scamming Money . Yes, we are seeing it multiple times in the scams are it multiple times in the scams are increasing. We are seeing calls into the help desk people are impersonating employees and we are seeing Money Transfers from people that are calling into their cfo to have money transferred so absolutely, the scammers are winning in these games up a lot of the times when we talk about al, it is the worry about, it is coming for your job, but with this in some sort of strange way, this kind of feels like ai strange way, this kind of feels like a created jobs, eitherfor strange way, this kind of feels like a created jobs, either for the ai created jobs, either for the fraudsters using ai ai created jobs, either for the fraudsters using al or for the people, the experts that we now need to tackle these scams. Absolutely, it is creating more scammers on the offence and here at checkpoint we are hiring more people for defence. You have to bring Ai Checkpoint we are hiring more people for defence. You have to bring al to an ai for defence. You have to bring al to an a fight or you will be a statistic. An ai fight or you will be a statistic. An ai fight or you will be a statistic. , ~ , statistic. Can Companies Like yours, can ou statistic. Can Companies Like yours, can you keep statistic. Can Companies Like yours, can you keep up statistic. Can Companies Like yours, can you keep up with statistic. Can Companies Like yours, can you keep up with all statistic. Can Companies Like yours, can you keep up with all of statistic. Can Companies Like yours, can you keep up with all of this statistic. Can Companies Like yours, can you keep up with all of this or l can you keep up with all of this or do you need to keep tweaking things to get one step ahead . We do you need to keep tweaking things to get one step ahead . To get one step ahead . We are sta in to get one step ahead . We are staying one to get one step ahead . We are staying one step to get one step ahead . We are staying one step ahead to get one step ahead . We are staying one step ahead and to get one step ahead . We are| staying one step ahead and that to get one step ahead . We are i staying one step ahead and that is what checkpoint is about with our Prevention Mantra but there are new scams everyday, new zero day is everyday so we have to be extremely reactive and things like our texting customers across the world in a few seconds from a new scams everyday. B end on this because ai is certainly end on this because a is certainly in the headlines but this is where we are now, i cant even think of where is it going to be in five years time . It where is it going to be in five years time . Where is it going to be in five years time . It is crazy because this is the years time . It is crazy because this is the fastest years time . It is crazy because this is the fastest evolving this is the fastest evolving technology that the human race has ever evolved or dealt with so just since november, we have over 100 million users with chatgpt and i1 of the pessimistic ones. I think the single arty of when a actually gains a consciousness is coming sooner than we think. It may be an Arnold Schwarzenegger future for us humans. ~. ,. , Arnold Schwarzenegger future for us humans. ,. , Arnold Schwarzenegger future for us humans. ,. ,. , humans. Well, on that scary point, a real pleasure humans. Well, on that scary point, a real pleasure having humans. Well, on that scary point, a real pleasure having you humans. Well, on that scary point, a real pleasure having you on humans. Well, on that scary point, a real pleasure having you on the real pleasure having you on the show, thanks for everything and we will talk to you soon. Titers; show, thanks for everything and we will talk to you soon. Very welcome and i will talk to you soon. Very welcome and i hope will talk to you soon. Very welcome and i hope some will talk to you soon. Very welcome and i hope some of will talk to you soon. Very welcome and i hope some of my will talk to you soon. Very welcome and i hope some of my ideas will talk to you soon. Very welcome and i hope some of my ideas are i and i hope some of my ideas are going to keep our viewers say. What going to keep our viewers say. What can consumers going to keep our viewers say. What can consumers do going to keep our viewers say. What can consumers do to going to keep our viewers say. What can consumers do to protect themselves in the face of this new wave of fraudulent threat . My next guest has been on the show before, she is the director of Consumer Protection