As artificial intelligence (AI) becomes more accessible, it’s transforming everyday life. It can automate repetitive tasks, reduce human error, and help spark creativity—making us more efficient and productive. But as AI becomes more common, it’s also being used by those with malicious intent. Scammers are evolving rapidly and now use AI as a powerful tool to steal money and personal information.

Here are four ways to protect yourself from AI-powered scams.

First, protect your devices and data. AI-powered malware and ransomware attacks are on the rise. These attacks target everything from smartphones to home and business networks. Often, they exploit outdated software or trick users into downloading malicious apps or files.

Protect yourself by keeping your operating system, apps and antivirus software updated to patch security vulnerabilities. Use strong, unique passwords for every account. A password manager can help keep them organized and secure. Avoid using public Wi-Fi for sensitive tasks like online banking or logging into accounts.

Secondly, watch for fake profiles online. AI is being used to create convincing fake profiles on social media, dating apps and even professional networks like LinkedIn. These profiles often include realistic photos and detailed backstories, making it hard to tell if they’re real. Once trust is gained, scammers may ask for money or sensitive information.

Protect yourself by using reverse image searches (such as Google Reverse Image Search) to check if a profile photo is stolen or widely used online. Instructions on how to do this can be found by going to Google Reverse Images and putting in a photo. Be cautious about oversharing personal details, especially with people you don’t know well online. Look for red flags such as overly generic messages, unusually fast responses, or inconsistencies in what they say.

Thirdly, verify chatbot interactions. AI-powered chatbots are increasingly used in customer service—but scammers use them, too. Fraudulent chatbots can pose as banks, retailers or government agencies, tricking victims into giving up credit card numbers, Social Security numbers or login credentials.

Protect yourself by always verifying the source. If a chatbot contacts you unexpectedly, check the company’s official website or call customer service directly. Don’t share sensitive information through a chat unless you’re sure it’s legitimate. Check the website URL—scammers often use URLs that look similar to real ones but include small misspellings or unusual domains.

Lastly, be skeptical of “too good to be true” AI tools. Some scammers promote AI services that claim to manage finances, invest in cryptocurrency or trade on your behalf. These tools often sound impressive, but most are unregulated and high risk.

Protect yourself. Do your research. Verify the credibility of any AI-based financial service before sharing personal or banking information. Understand that even legitimate AI tools require human oversight—no tool can guarantee profits or risk-free returns.

AI is a powerful and promising technology, but it can be exploited by scammers just as easily as it can help consumers. Stay informed, be cautious and trust your instincts. By taking basic precautions and asking the right questions, you can protect yourself from AI-based fraud and avoid becoming a target.