| A.I question. 22:39 - Sep 7 with 884 views | BanksterDebtSlave |
How hard would it be for a rogue A.I, or one directed to do so, to hack into and empty all of our bank accounts? |  |
| "They break our legs and tell us to be grateful when they offer us crutches." | | Poll: | What you watching. |
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| A.I question. on 22:46 - Sep 7 with 847 views | Bugs |
Chat GTP says:
"Not impossible for an individual household, but “empty everyone’s bank accounts” is still firmly in science fiction.
An AI cannot simply decide to access a bank. It would need to obtain credentials, compromise devices or banking systems, bypass two-factor authentication, transaction limits and fraud monitoring, and then move the money without banks freezing or reversing it. Banks also undergo realistic cyberattack testing overseen by regulators. Bank of England
The realistic danger is AI making existing fraud much more effective and scalable: highly convincing phishing messages, cloned voices, automated scam calls, malware development and rapidly searching systems for vulnerabilities. That broadly matches the NCSC’s assessment: AI is enhancing cyberattacks, rather than giving criminals a magical master key.
So, roughly:
Empty every account at one bank: extraordinarily difficult.
Empty everyone’s accounts across the banking system: effectively impossible with anything resembling present technology.
Target one person, compromise their email or phone and persuade them to authorise several transfers: already entirely possible—and AI makes that easier.
Even successful theft isn’t necessarily permanent. UK banks must generally reimburse eligible victims of Faster Payments scams up to £85,000, although exclusions and other types of payment complicate matters. Payment Systems Regulator
The weakest link is therefore much more likely to be us—or a bank employee being deceived—than an AI independently cracking the banking system like something from a film." |  | | |
| A.I question. on 22:52 - Sep 7 with 807 views | RonFearonsHair |
| A.I question. on 22:46 - Sep 7 by Bugs |
Chat GTP says:
"Not impossible for an individual household, but “empty everyone’s bank accounts” is still firmly in science fiction.
An AI cannot simply decide to access a bank. It would need to obtain credentials, compromise devices or banking systems, bypass two-factor authentication, transaction limits and fraud monitoring, and then move the money without banks freezing or reversing it. Banks also undergo realistic cyberattack testing overseen by regulators. Bank of England
The realistic danger is AI making existing fraud much more effective and scalable: highly convincing phishing messages, cloned voices, automated scam calls, malware development and rapidly searching systems for vulnerabilities. That broadly matches the NCSC’s assessment: AI is enhancing cyberattacks, rather than giving criminals a magical master key.
So, roughly:
Empty every account at one bank: extraordinarily difficult.
Empty everyone’s accounts across the banking system: effectively impossible with anything resembling present technology.
Target one person, compromise their email or phone and persuade them to authorise several transfers: already entirely possible—and AI makes that easier.
Even successful theft isn’t necessarily permanent. UK banks must generally reimburse eligible victims of Faster Payments scams up to £85,000, although exclusions and other types of payment complicate matters. Payment Systems Regulator
The weakest link is therefore much more likely to be us—or a bank employee being deceived—than an AI independently cracking the banking system like something from a film." |
Perhaps that's just what it wants you to think... |  | | |
| A.I question. on 07:49 - Sep 8 with 521 views | SuperKieranMcKenna |
Ive had it done by humans on a couple of occasions (albeit not ‘hacked’, fraud) so not a new threat per se. You get the money back, the bank has a duty of care for your money - otherwise you may as well keep it under your mattress! |  | | |
| A.I question. on 07:56 - Sep 8 with 500 views | DanTheMan |
Very unlikely, but not impossible.
Basically the same as a set of humans doing it. |  |
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| A.I question. on 08:08 - Sep 8 with 474 views | bsw72 |
Almost all crimes where bank acccounts are “emptied” are socially engineered rather than hacked purely electronically, customers using weak passwords or clicking on links which subsequently download a key logger etc. Obviously nothing is impossible but to empty a lot of accounts would be near impossible as it would be detected by human intervention as well as the electronic safeguards. |  | | |
| A.I question. on 08:20 - Sep 8 with 443 views | DJR |
Perhaps more likely is action which leads to the permanent erasure of the banking records of a sizeable number of the clients of a particular bank. [Post edited 8 Sep 8:21]
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| A.I question. on 08:34 - Sep 8 with 406 views | wrightsrightglove |
As the AI response says, I don’t think it’s necessarily AI using free will to do something like this, it’s more the fact that criminals have an additional tool to use to commit crime. If AI has access to all of your details on your phone and someone can hack into your phone then everything AI knows about you comes with it. On top of this, voice cloning is becoming a massive thing (and a massive problem) now. It’s an incredibly scary future. | | | |
| A.I question. on 08:43 - Sep 8 with 384 views | DanTheMan |
| A.I question. on 08:20 - Sep 8 by DJR |
Perhaps more likely is action which leads to the permanent erasure of the banking records of a sizeable number of the clients of a particular bank. [Post edited 8 Sep 8:21]
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This would also be incredibly unlikely given how most banking infrastructure works. | |
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| A.I question. on 08:45 - Sep 8 with 377 views | DJR |
| A.I question. on 08:43 - Sep 8 by DanTheMan |
This would also be incredibly unlikely given how most banking infrastructure works. |
I bow to your superior knowledge. | | | |
| A.I question. on 09:22 - Sep 8 with 316 views | SuperKieranMcKenna |
| A.I question. on 08:34 - Sep 8 by wrightsrightglove |
As the AI response says, I don’t think it’s necessarily AI using free will to do something like this, it’s more the fact that criminals have an additional tool to use to commit crime. If AI has access to all of your details on your phone and someone can hack into your phone then everything AI knows about you comes with it. On top of this, voice cloning is becoming a massive thing (and a massive problem) now. It’s an incredibly scary future. |
Worth noting that it works both ways - AI is also used as a defence, to detect breaches and test for vulnerabilities. | | | |
| A.I question. on 10:14 - Sep 8 with 235 views | hoppy |
Or how about hacking into the digital season tickets system to gain access into games, home and/or away? |  |
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