How to use AI safely and protect yourself from fraud

We often hear in the news how AI is being used for fraud. I’m not very tech savvy so I think it would be confusing. What should I know to protect myself?

you are not alone. Many older adults are asking the same question. Artificial intelligence (AI) is becoming a part of everyday life, from smartphones and internet searches to banking and customer service. And as scams become more convincing and harder to spot, a basic understanding helps. Fortunately, you don’t need to be a technology expert to use AI safely and confidently.

AI is a technology that allows us to create and analyze information in a human-like way. It can also write emails, answer questions, recommend products, generate images, and imitate voices. While this can be helpful, it also means that what you see or hear online is not always accurate. If something seems unusual or doesn’t seem true, take a closer look.

A good way to get familiar with AI is to start small. Many smartphones come with voice assistants like Siri or Google Assistant that can set reminders, check the weather, and answer questions. You can also try tools like ChatGPT or Claude to describe news articles, suggest recipes, or help draft messages.

AI can also help with everyday tasks like comparing products, planning trips, and organizing to-do lists. Think of them as helpful assistants, not decision makers.

Keep in mind that AI is not perfect. You might get an answer that sounds confident, but it might be outdated or incorrect. Always double check with trusted sources, such as your doctor, bank, or government website, regarding important issues such as health, finances, or legal issues.

Fraudsters are using AI to make their plans more convincing. You may receive an email that appears to be from your bank or Medicare, or a phone call that appears to be from a family member. Be especially wary of urgent messages that pressure you to act immediately or warn that your account will be closed.

The most important habit to avoid scams is to slow down. If you receive a suspicious phone call, text message, or email, stop and check your messages. Don’t click on links, download attachments, or respond immediately. Instead, contact the company or person directly using a trusted phone number or website rather than the number provided in the message.

Fraudsters now use AI to mimic voices and craft convincing messages. Even if it sounds like it’s from family, friends, or work, check elsewhere before taking action.

Never share sensitive information, such as your social security number, bank account information, or passwords, unless you initiate the contact and trust the source. Banks and government agencies, including Medicare and Social Security, will not ask for this information over the phone or by email. Urgent requests for gift cards, wire transfers, or cryptocurrency payments are also red flags.

For added protection, use two-factor authentication and keep your devices up to date. You may also want to consider a call blocking service from your mobile service provider.

If something doesn’t seem right, take the time to check before responding or ask a trusted friend or family member.

Technology is always changing, but there are ways to stay informed. Many libraries and senior centers offer free classes on digital skills and online safety. AARP’s Fraud Watch Network (aarp.org/fraudwatch) and the Federal Trade Commission (consumer.ftc.gov) also provides the latest scam alerts and protection tips. Additionally, internet and mobile provider Cox Mobile (cox.com/mobilesafety) offers a library of research, tips, and online safety tools to help you stay informed and safe online.

AI may seem complicated at first, but a little awareness can go a long way. By being vigilant and developing some smart habits, you can protect yourself and take advantage of this technology.

Please send any questions or comments to questions@savvysenior.org or Savvy Senior, PO Box 5443, Norman, OK 73070.