Artificial Intelligence (AI) is transforming how we live— how we search online to how we shop, travel, and manage our finances, AI is integrated into more of our everyday experiences than ever before. While this technology has opened doors to smarter tools and greater convenience, it has also introduced new risks—some of which are harder to see coming. One fast-growing threat? Deepfakes.
These convincing, AI-generated videos and voice recordings can be used to mislead, manipulate, or steal. With the rapid rise of AI-generated content, it’s no longer enough to ask, “Does this look real?” We also have to ask, “Is this authentic?”
In this article, we’ll explain what deepfakes are, how scammers use them, and most importantly, how you can spot them to protect yourself and your finances.
What Is a Deepfake?
The word deepfake combines “deep learning” and “fake.” In simple terms, deepfakes are digitally altered media—video, audio, or images—created using artificial intelligence to make someone appear to say or do something they never actually did.
You might receive:
- A voicemail that sounds like your spouse
- A video message that looks like your boss
- A text that appears to come from your financial institution
These messages can be eerily convincing. And their goal is simple: to earn your trust and trick you into sharing sensitive information or sending money.
How Scammers Use Deepfakes
Unfortunately, deepfakes are showing up in more scams than ever before. With just a few photos, public videos, or voice samples, scammers can create messages that sound—and look—authentic.
Common AI scam examples include:
- Impersonating Family or Friends
Scammers use cloned voices or fake videos to impersonate loved ones, often in emotional or urgent situations. - Posing as Trusted Brands
Fake messages or videos may appear to come from your credit union, bank, or a service you use—asking you to confirm account details or authorize a transfer. Mission Fed will never reach out to ask for your personal or account information by phone, text, or email. If you ever receive a suspicious message claiming to be from us, don’t respond—contact us directly. - Mimicking Coworkers and Business Leaders
In corporate settings, fraudsters use deepfakes to impersonate executives and request wire transfers or confidential data.
These messages usually create a sense of urgency, asking you to act fast before you have time to think.
Why Deepfakes Feel So Real
Scammers use deepfakes because they tap into human emotion and trust. If you see or hear someone you know asking for help, your instinct is to respond.
That’s why these scams work. They feel personal. They feel urgent. And in many cases, they feel real enough to bypass your usual filters.
How to Spot a Deepfake
Even though deepfakes are getting better, they’re not perfect. Here are signs to look for:
- Lip sync doesn’t match voice
Mouth movements may feel just slightly off. - Unnatural blinking or facial expressions
Watch for robotic or stiff movements that don’t seem human. - Strange lighting or shadows
Poor lighting or inconsistent background details can be a red flag. - Odd pauses or flat tone
Voice deepfakes may sound emotionless or overly perfect. - Messages that create panic or pressure
Urgent requests, especially involving money or passwords, are worth a second look.
How to Protect Yourself From AI Scams
- ✅ Pause before acting
If a request feels urgent, that’s a red flag. Take a moment. Breathe. Contact the person using a number or email you trust. - ✅ Verify directly
Don’t respond to the message itself. Instead, call or message the person or business separately to confirm. - ✅ Limit what you share online
Scammers use public videos and voice posts to create deepfakes. Be mindful about what you post and who can view it. - ✅ Strengthen your logins
Use strong passwords, turn on two-factor authentication, and update your security settings regularly. - ✅ Stay informed
Scammers constantly evolve their tactics. Keeping up with trends—like you’re doing now—is the best protection.
If You Think You’ve Been Targeted
If something feels off, it’s OK to hit pause. Whether it’s a message, call, or video:
- Don’t send money or share info until you’re absolutely sure
- Verify directly with the person or business
- Report it to your financial institution, IT department, or a trusted contact
Remember, it’s better to double check than to act on a fake.
Technology Keeps Changing. So Can You.
AI isn’t going away—and that’s not a bad thing. Like any tool, it can be used for good or misused. The key is to stay curious, cautious, and prepared.
At Mission Fed, we’re committed to helping you stay informed and empowered, especially as technology evolves. By learning how scams work and knowing how to spot them, you’re already taking the right steps to protect yourself and your finances.
The content provided in this blog consists of the opinions and ideas of the author alone and should be used for informational purposes only. Mission Fed Credit Union disclaims any liability for decisions you make based on the information provided. References to any specific commercial products, processes, or services, or the use of any trade, firm, or corporation name in this article by Mission Fed Credit Union is for the information and convenience of its readers and does not constitute endorsement, control or warranty by Mission Fed Credit Union.
