The Dark Side of Innovation – When AI Goes Rogue
With the invention of AI and advancement in Machine Learning, Deep Learning technologies, AI has moved from a shiny sweet spot to being able to harm individuals, organizations, financial institutions, government bodies and even the national army. When AI was introduced it was always told how it can add value to mankind. We took help from AI for writing poems, helping with our homework, and suggesting our menu cards until our kitchen. But just like in every superhero movie, there’s always a villain lurking in the shadows.
FraudGPT and WormGPT—the twin open-source unsupervised evils started its fast pace beyond our imagination in AI tools. These aren’t your friendly neighborhood chatbots; they’re the cybercriminals’ dream come true tools.
Lets understand what is FraudGPT & WormGPT villains
FraudGPT
Imagine an AI that helps scammers to craft the perfect phishing email, generate malicious code, and even impersonate your boss and many more. There are fraudgpt tools available to commit fraud on E-Commerce stores, Fintech / Banking, Digital goods subscriptions, and small
businesses. That’s FraudGPT for you. It’s being sold on the dark web, offering cybercriminals a subscription to commit chaos in the daytoday business life.
WormGPT
As the name says Worm, WormGPT specializes in pushing automated hacking through mammoth quantification of phishing emails (aka business email compromise (BEC) attacks), impersonation attacks, automated social engineering attacks, dynamic fraud scripting, credential
stuffing optimization, and creating malware that changes its appearance to avoid detection. Think of it as the chameleon of cyber threats.
Don’t worry, there are legally allowed reverse engineering techniques that help students, professionals and researchers to take a deep dive into it, understand how it operates and build strong countermeasures to prevent the loss of data, computer frauds, cybercrime threats,
strengthen AI security, by establishing fraud detective systems, ensuring AI ethical standards would help the world free from these villains.
How Are These Tools Used?
● Unrealistic Phishing & Social Engineering: AI-generated emails that look eerily legitimate, making it harder to spot scams.
● Scanning vulnerable websites, weak filter merchant sites, non account verification systems that let merchants to buy goods with mismatched addresses stored in the bank.
● Sites that do not protect from high velocity transactions. Allowing purchase transactions from same card numbers for more than a stipulated number in a given day.
● Automated BIN verification robots that do not check for VBV BIN so that fraudulent transactions can be sent.
● AI agents that can check for CNP (Card Not Present) exploits where stolen cards can be used for online purchase.
● To identify weak payment gateways that do not encrypt the packets while transmitting the card transactions.
● Robots that automate the checking of sites which have complete end to end automation, where there is zero scope for human involvement.
● Using Warmgpt fraudsters creates personalized scam phishing emails which can evade scam filters.
● Warmgpts are good at stealing login credentials, test the stolen credentials in different sites, and do the ATO (Account Take Over) attacks efficiently.
Protecting Against AI-Powered Cybercriminals
● AI-Enhanced Defense – Combat hyper-speed cyber threats with AI-driven detection, identifying phishing and malicious activity in real time. Zero Trust & Cyber Threat
Awareness – Train employees on AI-generated scams and integrate zero trust architecture for robust IAM security.
● Multi-Factor Authentication (MFA) – Strengthen access control with layered authentication (2D/3D factors) to prevent unauthorized breaches.
● Anomaly & Behavioral Detection – Monitor irregular transaction patterns, sudden asset surges, and atypical communication for risk mitigation.
● Strategic Cybersecurity Partnerships – Leverage expertise from V-Etico (EC Council ATC) to stay ahead of evolving cyber threats.
● Cross-Industry Intelligence Sharing – Enhance security through government frameworks, private collaborations, and red-team exercises.
Do Cybercriminals get paid – very well?
Yes, they are paid very well in range of $50k ~ $100 Million / per year to scale attacks, evade
security gates, and earn millions through:
– Stolen data sold in darkweb
– Ransomware extortion
– FAAS – Fraud as a Service
– Cryptocurrency laundering
Key Law Enforcement Agencies in Combating Cybercrimes:
| Agency | Jurisdiction | Key Focus | Effectiveness |
|---|---|---|---|
| FBI Cyber Division (U.S.) | Global cybercrime investigations | Ransomware, BEC fraud, dark web takedowns | ⭐ (High success in high-profile cases) |
| INTERPOL Cybercrime Directorate | International coordination | Cybercrime intelligence sharing, global ops | ⭐ (Limited by jurisdictional barriers) |
| Europol’s EC3 (EU) | European cybercrime | Payment fraud, malware, child exploitation | ⭐ (Strong EU-wide collaboration) |
| NCA Cyber Crime Unit (UK) | UK cyber threats | Cyber-enabled fraud, crypto tracking | ⭐ (Advanced crypto forensics) |
| CERTs (e.g., US-CERT, SingCERT) | National cyber defense | Threat intelligence, incident response | ⭐ (Preventive but reactive) |
Let’s Talk About It
Cybersecurity isn’t just about firewalls and antivirus software anymore. It’s about staying informed, being vigilant, and knowing who to call when things go south.
At V-ETICO, we’re not just experts; we’re your partners in navigating this complex digital landscape. Whether you’re a small business owner or managing a large enterprise, we’ve got your back.
Visit www.v-etico.com.uk to learn more about how we can help you stay one step ahead of the cybercriminals.
Stay safe, stay informed, and remember: in the world of cybersecurity, it’s better to be proactive than reactive.