AI is apparently good for the bottom line if your business is crime. Financial fraud schemes carried out with the help of artificial intelligence are 4.5 times more profitable than those that aren't enhanced, according to Interpol's latest estimates.

The crime agency said that AI "greatly boosts both efficiency and effectiveness," making each interaction with a fraudster more convincing and all the more likely to continue growing in popularity.

Cybercriminals most commonly use generative AI tools to eliminate the small details that may have otherwise given them away.

Using AI to rephrase text messages or emails to victims can help iron out the quirks that may betray a non-native speaker. It could mean the difference between success and failure when impersonating major brands, for example.

On the more advanced end of the scale, deepfake technology is far more sophisticated now than it was even two years ago. Interpol said that criminals can create convincing voice clones with just ten seconds of reference material, such as audio ripped from a social media post.

Dark web marketplaces offer full-service synthetic identity kits, commonly referred to as deepfake-as-a-service products, which make it even easier for criminals to trick victims into thinking they're speaking to a known individual.

These kits come at affordable prices, Interpol said in its annual financial fraud report, and have accelerated the industrialization of this type of cybercrime.

"Over the past two years, technology has continued to enable and enhance financial fraud, empowering criminal networks to scale operations exponentially with minimal investment," said Interpol. "Digital technology and AI, in particular, have dramatically transformed social engineering techniques and victim profiling, enabling fraudsters to construct highly persuasive fraud environments.

"The proliferation of AI-driven tools, large language models, cryptocurrencies, and the rapid expansion of the fraud-as-a-service platforms have collectively lowered barriers to entry, enabling widespread access to sophisticated fraud capabilities, elevating the generation of financial gain through fraud schemes to an efficient, global industry."

Agentic AI is the trendy autonomous new kid on the AI block, and while the benefits it offers for both sides of the cybercrime divide are well told, it still isn't being used at scale yet.

However, when that day comes, Interpol is concerned about the capabilities it will hand attackers. Deploying agents will take much of the legwork away from a fraudster, who can simply prompt a bot to return all the pertinent information about an individual, including their credentials or a business's system vulnerabilities that could be exploited for ransomware attacks.

In the latter example, the agent could also scour stolen data and advise the crook about how to price their ransom demands, based on the value of the data the bot stole and the victim's financial position.

Whether the agentic AI security threat reaches that reality remains to be seen. Some cyber experts, like Kevin Mandia, have staked millions on the notion that the tech will usher in the next big trend in cybercrime, while others are exercising a little more restraint.

AI sextortion and scam centers

Member countries have also informed Interpol of a rise in sextortion schemes that rely on AI-generated imagery to blackmail victims into paying the criminals.

Some cases have seen targets reject the scammers' initial attempts to carry out traditional financial fraud schemes, such as crypto, forex, romance scams, and more, but are then subjected to AI-assisted sextortion campaigns.

This development is closely linked to the rapid expansion of scam centers across the world. Originating in Southeast Asia (SEA) around four years ago, these facilities often see humans trafficked into online scam work from other countries.

Crime-fighting organizations have worked to shut these down, but in recent years the number of centers has expanded, as has their geographic footprint.

Scam centers of this kind are being seen increasingly in regions beyond SEA, including Central and South America, North Africa, and some parts of Europe. Police reports suggest that humans are being trafficked to these compounds under false pretenses, regardless of the region.

Interpol believes that this scamming phenomenon now involves hundreds of thousands of individuals globally, many of whom are thought to be victims of human trafficking.

The growth of scam centers appears to be outpacing the ability of international police to shut them down.

Interpol routinely publicizes the successful operations it coordinates with regional police forces, often yielding a large number of arrests each time.

The results of one eight-week operation announced in February revealed that 651 arrests were made following probes across 16 countries in Africa, with over 1,200 victims identified.

A further 574 arrests were announced earlier in December, and 260 in the September before that, all of which took place in Africa, illustrating the spread of the crime outside of SEA.

In 2025 alone, the global losses associated with financial fraud were around $442 billion, Interpol reckons, and this is only expected to rise over the next three to five years, largely because of AI.

Valdecy Urquiza, secretary general at Interpol, said: "Enabled by artificial intelligence, low-cost digital tools and increased global criminal collaboration, we are witnessing the industrialization of fraud.

"It is vital to remember that the cost of financial crime is not just money – it is people's life savings, their dignity, and in the worst case, their life.

"Strengthening cooperation between law enforcement, the private sector, and raising public awareness is key in tackling this global security threat." ®