Criminals are using AI-enhanced psychological manipulation to impersonate police or courts, orchestrate online kidnappings, and exploit digital payment systems, SIM swaps, and bank accounts for money laundering.

In Vietnam, authorities report criminals using AI to impersonate individuals, create emergency situations, and manipulate victims—targeting students with scams around university admissions, scholarships, studying abroad, part-time jobs, and banking.

Vietnam’s policy trajectory rests on foundational measures from Resolution No. 57-NQ/TW (Dec 2024) and Announcement No. 24-TB/CQTTBCĐ (Jul 2026), prioritizing digital safeguards with metrics like detection accuracy, false positives, intervention time, and damages prevented over model size or data scale.

Singapore utilizes SATIS, an AI-powered system that detects phishing websites at scale (over 400,000 sites analyzed daily with accuracy above 90% and a false-alarm rate under 0.1%), complemented by the ScamShield reporting feature.

Key takeaways from Singapore include the need for cross-sector coordination and timely human intervention alongside AI, summarized by the Stop - Lock - Save - Report reflex for individuals suspected of fraud.

Singapore’s model shows technology must be paired with human collaboration: rapid information sharing, inter-bank cooperation, and process automation have helped thwart more than 600 fraud cases and prevented over S$38 million in losses in a two-month campaign.

INTERPOL warns that financial fraud is a fast-evolving global threat, with AI-powered schemes 4.5 times more profitable than non-AI methods and capable of automating multiple fraud stages from target identification to money transfer.

Vietnam advocates a 'digital immune system' emphasizing early detection, rapid coordination, and citizen protection, with cross-sector signal sharing among banks, payment intermediaries, network operators, and authorities, while safeguarding data and outlining fault-handling procedures.

AI-facilitated scams use deepfake voices, fake images, and personalized content to impersonate authorities, banks, or acquaintances, expanding fraud's reach across regions and affecting hundreds of thousands.