The challenge, according to Dr Jerry Chetty, Head of Business Integrity at Santam, is that these scams look and sound increasingly authentic, thanks to advances in artificial intelligence (AI). “Poor grammar used to be the easiest tell-tale sign of fraud,” he says. “But today, platforms like ChatGPT have been re-engineered by cybercriminals into versions such as FraudGPT or WormGPT, which generate convincing phishing emails and impersonation scams”.