AI Lowers Moral Barriers to Crime, Expanding Pool of Would-Be Fraudsters — Nacha Conference

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Presentations at Nacha's Smarter Faster Payments conference in San Diego highlighted how AI is lowering the technical and psychological barriers for cyber attackers, expanding the pool of potential fraudsters beyond traditional cybercriminals. The framing focuses not on sophisticated state actors but on how AI tools make basic financial fraud accessible to people who previously lacked the skills. This has implications for any developer building payment or identity verification systems.