As artificial intelligence (AI) tools become increasingly popular, a surge of discussions about "AI-forged payment screenshots" has emerged on social platforms in the Philippines, raising widespread concerns. Users have tested and found that scammers can generate highly realistic transfer screenshots in seconds using AI, perfectly replicating bank logos, watermarks, and interface layouts, even mimicking font details to a deceptive extent.
Some netizens shared their experiences of being deceived, with one victim stating that they shipped goods after receiving a "transfer completed" screenshot from an acquaintance, only to later discover that the funds had not been deposited. They admitted, "I didn't verify the app balance; I just saw the picture and believed it."
In response to the rampant AI scams, Philippine electronic wallet giant GCash urgently issued a notice, warning the public not to trust any screenshots and urging verification of each transaction through the official app. In collaboration with Scam Watch Pilipinas, GCash also offered four anti-fraud tips:
Do not trust screenshots: Payment images are easily forged, always verify through the official app;
Confirm transaction numbers: Ask for a reference code and check the account yourself;
Use official emails: Rely on verifiable transaction notifications;
Enable alerts: Stay informed about transfer movements.
GCash pointed out that AI has replaced Photoshop as a new tool for fraud, with more rapid and sophisticated forging methods. The government has also helped take down over 7,000 fake financial service websites, many of which specifically provide fake certificate templates.
As AI lowers the barriers to fraud, officials urge businesses and consumers not to be negligent and to strengthen transaction verification processes to avoid falling into high-tech scams.
