{"id":5282,"date":"2025-09-20T03:01:16","date_gmt":"2025-09-20T03:01:16","guid":{"rendered":"https:\/\/truthscan.kinsta.cloud\/?p=5282"},"modified":"2026-03-06T09:32:27","modified_gmt":"2026-03-06T09:32:27","slug":"problem-25b-kdyz-se-ai-stane-dokonalym-strojem-na-podvody","status":"publish","type":"post","link":"https:\/\/blog.truthscan.com\/cs\/problem-25b-kdyz-se-ai-stane-dokonalym-strojem-na-podvody\/","title":{"rendered":"Probl\u00e9m $25B: Kdy\u017e se um\u011bl\u00e1 inteligence stane dokonal\u00fdm strojem na podvody"},"content":{"rendered":"<p><em>Jak technologie deepfake p\u0159ipravuje glob\u00e1ln\u00ed firmy o miliardy - a pro\u010d je nyn\u00ed c\u00edlem ka\u017ed\u00fd mana\u017eer?<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u010c\u00edsla nel\u017eou<\/strong><\/h2>\n\n\n\n<p><strong>Podvody s vyu\u017eit\u00edm technologie Deepfake zp\u016fsobily jen v prvn\u00edm \u010dtvrtlet\u00ed roku 2025 ztr\u00e1ty p\u0159es $200 milion\u016f.<\/strong>, podle nejnov\u011bj\u0161\u00ed zpr\u00e1vy o incidentu spole\u010dnosti Resemble AI. To je v\u0161ak jen \u0161pi\u010dka ledovce; bezpe\u010dnostn\u00ed experti varuj\u00ed, \u017ee by mohl dos\u00e1hnout <strong>$40 miliard ro\u010dn\u00edch ztr\u00e1t ve Spojen\u00fdch st\u00e1tech do roku 2027.<\/strong>.<\/p>\n\n\n\n<p>Matematika digit\u00e1ln\u00edho podvodu je st\u0159\u00edzliv\u00e1:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"618\" src=\"https:\/\/blog.truthscan.com\/wp-content\/uploads\/2025\/11\/image-1024x618.jpg\" alt=\"\" class=\"wp-image-5283\" title=\"\"><\/figure>\n\n\n\n<p>To p\u0159edstavuje <strong>slo\u017een\u00e1 ro\u010dn\u00ed m\u00edra r\u016fstu 32%<\/strong>-rychleji ne\u017e v\u011bt\u0161ina k\u0159ivek zav\u00e1d\u011bn\u00ed technologi\u00ed a rozhodn\u011b rychleji ne\u017e na\u0161e schopnost se proti nim br\u00e1nit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rozsah zranitelnosti<\/strong><\/h3>\n\n\n\n<p>Ned\u00e1vn\u00fd pr\u016fzkum spole\u010dnosti Deloitte odhalil, \u017ee <strong>25,9% vedouc\u00edch pracovn\u00edk\u016f se ji\u017e setkalo s deepfake incidenty zam\u011b\u0159en\u00fdmi na jejich finan\u010dn\u00ed \u00fadaje.<\/strong> za posledn\u00edch 12 m\u011bs\u00edc\u016f. V\u00edce znepokojuj\u00edc\u00ed: <strong>50% o\u010dek\u00e1v\u00e1, \u017ee v p\u0159\u00ed\u0161t\u00edm roce dojde k n\u00e1r\u016fstu \u00fatok\u016f.<\/strong>.<\/p>\n\n\n\n<p>Dopad na regiony vypov\u00edd\u00e1 o drsn\u00e9m p\u0159\u00edb\u011bhu:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Severn\u00ed Amerika<\/strong>: 1,740% n\u00e1r\u016fst p\u0159\u00edpad\u016f deepfake podvod\u016f v roce 2023<\/li>\n\n\n\n<li><strong>Pr\u016fm\u011brn\u00e1 ztr\u00e1ta podniku<\/strong>: $500,000 za incident<\/li>\n\n\n\n<li><strong>Dopad na velk\u00e9 podniky<\/strong>: A\u017e $680 000 za \u00fatok<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pro\u010d ta exploze pr\u00e1v\u011b te\u010f?<\/strong><\/h3>\n\n\n\n<p>D\u0159\u00edve byla tvorba deepfake izolovan\u00e1 v odlehl\u00fdch koutech hlubok\u00e9ho webu, kde si nenechav\u00ed kyberzlo\u010dinci vym\u011b\u0148ovali kryptom\u011bny za hesla.<\/p>\n\n\n\n<p>Nyn\u00ed jsou n\u00e1stroje um\u011bl\u00e9 inteligence b\u011b\u017en\u011b dostupn\u00e9 pro kohokoli a chatboty pro obecn\u00e9 \u00fa\u010dely lze pou\u017e\u00edt k p\u0159\u00edle\u017eitostn\u00e9mu podv\u00e1d\u011bn\u00ed st\u00e1vaj\u00edc\u00edch syst\u00e9m\u016f.<\/p>\n\n\n\n<p>Jejich schopnosti dalece p\u0159ed\u010d\u00ed schopnost \u0161irok\u00e9 ve\u0159ejnosti je rozpoznat. Jak vysv\u011btluje expert na kybernetickou bezpe\u010dnost David Fairman ze spole\u010dnosti Netskope: <em>\"Ve\u0159ejn\u00e1 dostupnost t\u011bchto slu\u017eeb sn\u00ed\u017eila vstupn\u00ed bari\u00e9ru pro kybernetick\u00e9 zlo\u010dince - ji\u017e nemus\u00ed m\u00edt speci\u00e1ln\u00ed technologick\u00e9 dovednosti.\"<\/em><\/p>\n\n\n\n<p>Krimin\u00e1ln\u00ed ekonomika:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>N\u00e1klady na vytvo\u0159en\u00ed<\/strong>: Ji\u017e od $20 za z\u00e1kladn\u00ed deepfake software<\/li>\n\n\n\n<li><strong>\u00dasp\u011b\u0161nost<\/strong>: Pro masivn\u00ed n\u00e1vratnost investice sta\u010d\u00ed pracovat pouze jednou<\/li>\n\n\n\n<li><strong>M\u00edra detekce<\/strong>: 68% lid\u00ed nedok\u00e1\u017ee rozli\u0161it skute\u010dn\u00e9 video od fale\u0161n\u00e9ho<\/li>\n\n\n\n<li><strong>Klonov\u00e1n\u00ed hlasu<\/strong>: Vy\u017eaduje pouze 3-5 sekund vzorku zvuku pro p\u0159esnost 85%.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/blog.truthscan.com\/wp-content\/uploads\/2025\/11\/image-1-1024x576.jpg\" alt=\"\" class=\"wp-image-5284\" title=\"\"><\/figure>\n\n\n\n<p>Ned\u00e1vn\u00e9 \u00fatoky Deepfake&nbsp;<\/p>\n\n\n\n<p><strong>Hlubok\u00fd n\u00e1r\u016fst poji\u0161t\u011bn\u00ed aut ve Velk\u00e9 Brit\u00e1nii (2024)<\/strong> Britsk\u00e9 poji\u0161\u0165ovny, v\u010detn\u011b Allianz a Zurich, zaznamenaly v letech 2021 a\u017e 2023 n\u00e1r\u016fst podvodn\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed zahrnuj\u00edc\u00edch fotografie a videa zmanipulovan\u00e1 um\u011blou inteligenc\u00ed o 300%, p\u0159i\u010dem\u017e v roce 2024 se tento trend je\u0161t\u011b zrychl\u00ed. Konkr\u00e9tn\u00ed p\u0159\u00edpad se t\u00fdkal podvodn\u00edk\u016f, kte\u0159\u00ed manipulovali s d\u016fkazy z pr\u016fmyslov\u00fdch kamer, aby zm\u011bnili datum, \u010das a registra\u010dn\u00ed zna\u010dku vozidla na podporu \u00fadajn\u00e9 pojistn\u00e9 ud\u00e1losti p\u0159i nehod\u011b <a href=\"https:\/\/kennedyslaw.com\/en\/thought-leadership\/article\/2024\/deepfakes-in-the-insurance-market-a-personal-injury-perspective\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kennedys Law LLP<\/a><a href=\"https:\/\/www.lovemoney.com\/news\/284660\/ai-scams-2024-insurance-fraud-fake-images-identity-theft-deepfakes\" target=\"_blank\" rel=\"noopener\">L\u00e1ska k pen\u011bz\u016fm<\/a>. Podle Asociace britsk\u00fdch pojistitel\u016f m\u011bla pr\u016fm\u011brn\u00e1 podvodn\u00e1 pojistn\u00e1 ud\u00e1lost v roce 2023 hodnotu 15 000 liber, p\u0159i\u010dem\u017e tyto trestn\u00e9 \u010diny zvy\u0161uj\u00ed pojistn\u00e9 za poji\u0161t\u011bn\u00ed vozidel a dom\u00e1cnost\u00ed pr\u016fm\u011brn\u00e9ho pojistn\u00edka p\u0159ibli\u017en\u011b o 50 liber ro\u010dn\u011b.<\/p>\n\n\n\n<p><strong>Pokus o imitaci \u0159editele Ferrari (2024)<\/strong> V \u010dervenci 2024 za\u017eila italsk\u00e1 automobilka Ferrari \u00fatok, p\u0159i kter\u00e9m se podvodn\u00edci pokusili oklamat finan\u010dn\u00ed mana\u017eery pomoc\u00ed digit\u00e1ln\u00edho vyd\u00e1v\u00e1n\u00ed se za gener\u00e1ln\u00edho \u0159editele Benedetta Vignu. Podvodn\u00edci nejprve kontaktovali vedouc\u00ed pracovn\u00edky prost\u0159ednictv\u00edm aplikace WhatsApp s dotazem na \"velkou akvizici, kterou pl\u00e1nujeme\", a pot\u00e9 p\u0159e\u0161li k hlubok\u00fdm fale\u0161n\u00fdm hlasov\u00fdm hovor\u016fm, kter\u00e9 kop\u00edrovaly Vign\u016fv charakteristick\u00fd jihoitalsk\u00fd p\u0159\u00edzvuk (\u010dl\u00e1nek <a href=\"https:\/\/www.thedrive.com\/news\/ferrari-thwarted-an-ai-deepfake-scammer-posing-as-its-ceo-with-an-age-old-trick\" target=\"_blank\" rel=\"noreferrer noopener\">zde<\/a>).<br><br><strong>Podvody v oblasti feder\u00e1ln\u00edch vl\u00e1dn\u00edch slu\u017eeb (2024)<\/strong> V\u00fdzkum skupiny GB Group odhaduje, \u017ee ve Spojen\u00e9m kr\u00e1lovstv\u00ed pou\u017eilo fale\u0161nou nebo podvodnou identitu pro p\u0159\u00edstup k vl\u00e1dn\u00edm slu\u017eb\u00e1m p\u0159ibli\u017en\u011b 8,6 milionu lid\u00ed. Fale\u0161n\u00e9 pr\u016fkazy toto\u017enosti s vyu\u017eit\u00edm um\u011bl\u00e9 inteligence se st\u00e1le \u010dast\u011bji pou\u017e\u00edvaj\u00ed k r\u016fzn\u00fdm podvod\u016fm, v\u010detn\u011b p\u0159\u00edstupu k vl\u00e1dn\u00edm slu\u017eb\u00e1m pomoc\u00ed fale\u0161n\u00fdch identifika\u010dn\u00edch \u00fadaj\u016f. <a href=\"https:\/\/network.id.me\/press-releases\/over-70-million-americans-keep-themselves-safe-by-verifying-their-identity-through-id-me-as-ai-fraud-accelerates\/\" target=\"_blank\" rel=\"noreferrer noopener\">.ID.me<\/a> hl\u00e1s\u00ed prudk\u00fd n\u00e1r\u016fst vektor\u016f \u00fatok\u016f od roku 2023 do roku 2024, p\u0159i\u010dem\u017e po\u010det \u00fatok\u016f typu face swap deepfake vzrostl o 300%, po\u010det \u00fatok\u016f typu image and video injection o 783% a po\u010det \u00fatok\u016f virtu\u00e1ln\u00ed kamerou o 2665%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Da\u0148 ze sv\u011b\u0159ensk\u00fdch fond\u016f<\/strong><\/h3>\n\n\n\n<p>Krom\u011b p\u0159\u00edm\u00fdch finan\u010dn\u00edch ztr\u00e1t zp\u016fsobuj\u00ed deepfakes n\u011bco, co by ekonomov\u00e9 mohli nazvat \"dan\u00ed z d\u016fv\u011bry\" pro glob\u00e1ln\u00ed obchod. Kdy\u017e <strong>32% vedouc\u00edch pracovn\u00edk\u016f firem nem\u00e1 d\u016fv\u011bru v to, \u017ee jejich zam\u011bstnanci dok\u00e1\u017e\u00ed rozpoznat pokusy o deepfake podvod.<\/strong>, n\u00e1klady dalece p\u0159esahuj\u00ed r\u00e1mec jednotliv\u00fdch incident\u016f.<\/p>\n\n\n\n<p>Organizace jsou nyn\u00ed nuceny investovat do:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vylep\u0161en\u00e9 ov\u011b\u0159ovac\u00ed protokoly<\/li>\n\n\n\n<li>Programy \u0161kolen\u00ed zam\u011bstnanc\u016f<\/li>\n\n\n\n<li>Pokro\u010dil\u00e9 detek\u010dn\u00ed technologie<\/li>\n\n\n\n<li>Schopnosti krizov\u00e9ho \u0159\u00edzen\u00ed<\/li>\n\n\n\n<li>Dodr\u017eov\u00e1n\u00ed pr\u00e1vn\u00edch a regula\u010dn\u00edch p\u0159edpis\u016f<\/li>\n<\/ul>\n\n\n\n<p>I p\u0159es tuto rostouc\u00ed hrozbu, <strong>pouze 29% firem p\u0159ijalo opat\u0159en\u00ed na svou ochranu.<\/strong>, s <strong>46% chyb\u00ed jak\u00fdkoli pl\u00e1n na zm\u00edrn\u011bn\u00ed n\u00e1sledk\u016f.<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Zrychlen\u00ed p\u0159ed n\u00e1mi<\/strong><\/h3>\n\n\n\n<p>FinCEN (Financial Crimes Enforcement Network) zaznamenal \"n\u00e1r\u016fst hl\u00e1\u0161en\u00ed podez\u0159el\u00fdch aktivit ze strany finan\u010dn\u00edch instituc\u00ed, kter\u00e9 popisuj\u00ed podez\u0159en\u00ed na pou\u017e\u00edv\u00e1n\u00ed deepfake m\u00e9di\u00ed v podvodn\u00fdch sch\u00e9matech\", a to od roku 2023 a\u017e do roku 2024.<\/p>\n\n\n\n<p>Tento probl\u00e9m v hodnot\u011b $25 miliard nen\u00ed jen o pen\u011bz\u00edch - jde o z\u00e1sadn\u00ed oslaben\u00ed d\u016fv\u011bry v digit\u00e1ln\u00ed komunikaci, kter\u00e1 je z\u00e1kladem modern\u00edho podnik\u00e1n\u00ed. Ka\u017ed\u00fd videohovor, ka\u017ed\u00e1 zvukov\u00e1 zpr\u00e1va, ka\u017ed\u00e1 digit\u00e1ln\u00ed interakce s sebou nese ot\u00e1zku: \"Jak mohu v\u011bd\u011bt, \u017ee je to skute\u010dn\u00e9?\"<\/p>\n\n\n\n<p>Vedouc\u00ed pracovn\u00edci, kte\u0159\u00ed tuto krizi d\u016fv\u011bry vy\u0159e\u0161\u00ed jako prvn\u00ed, budou m\u00edt rozhoduj\u00edc\u00ed v\u00fdhodu. Ti, kte\u0159\u00ed to neud\u011blaj\u00ed, se mohou ocitnout v hlavn\u00ed roli sv\u00e9 vlastn\u00ed p\u0159\u00edpadov\u00e9 studie deepfake podvodu.<br><br>Odkazy:<\/p>\n\n\n\n<p><strong>Zpr\u00e1va o incidentu s fale\u0161nou um\u011blou inteligenc\u00ed za 1. \u010dtvrtlet\u00ed 2025<\/strong> - $200 milion\u016f v 1. \u010dtvrtlet\u00ed 2025 ztr\u00e1ty<\/p>\n\n\n\n<p><strong>Deloitte Center for Financial Services (kv\u011bten 2024)<\/strong> - $40 miliard projekce do roku 2027, 25,9% vedouc\u00edch pracovn\u00edk\u016f za\u017eilo incidenty, 50% o\u010dek\u00e1v\u00e1 n\u00e1r\u016fst.<\/p>\n\n\n\n<p><strong>Variety (18. dubna 2025)<\/strong> - \"Podvody vyu\u017e\u00edvaj\u00edc\u00ed technologii Deepfake ji\u017e v roce 2025 zp\u016fsobily finan\u010dn\u00ed ztr\u00e1ty ve v\u00fd\u0161i $200 milion\u016f\"<\/p>\n\n\n\n<p><strong>Eftsure USA (2025)<\/strong> - \"Statistiky Deepfake (2025): $500 000 pr\u016fm\u011brn\u00e1 ztr\u00e1ta podniku, $680 000 ztr\u00e1ta velk\u00e9ho podniku.<\/p>\n\n\n\n<p><strong>CNBC (28. kv\u011btna 2024)<\/strong> - David Fairman cit\u00e1t z Netskope<\/p>\n\n\n\n<p><strong>Entrust 2025 Zpr\u00e1va o podvodech s identitou<\/strong> - 3,000% zv\u00fd\u0161en\u00ed deepfakes od roku 2022-2023<\/p>\n\n\n\n<p><strong>Upozorn\u011bn\u00ed FinCEN FIN-2024-Alert004<\/strong> - N\u00e1r\u016fst po\u010dtu hl\u00e1\u0161en\u00ed podez\u0159el\u00fdch aktivit<\/p>\n\n\n\n<p><strong>R\u016fzn\u00e9 studie citovan\u00e9 v Eftsure<\/strong> - 32% vedouc\u00edch pracovn\u00edk\u016f nem\u00e1 d\u016fv\u011bru v rozpozn\u00e1v\u00e1n\u00ed zam\u011bstnanc\u016f, 68% nedok\u00e1\u017ee rozli\u0161it skute\u010dn\u00e9 video od fale\u0161n\u00e9ho, na klonov\u00e1n\u00ed hlasu je pot\u0159eba 3-5 sekund.<\/p>","protected":false},"excerpt":{"rendered":"<p>Jak technologie deepfake p\u0159ipravuje glob\u00e1ln\u00ed firmy o miliardy - a pro\u010d je nyn\u00ed ka\u017ed\u00fd mana\u017eer [...]<\/p>","protected":false},"author":1,"featured_media":5283,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-5282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ai-content-detection"],"_links":{"self":[{"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/posts\/5282","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/comments?post=5282"}],"version-history":[{"count":4,"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/posts\/5282\/revisions"}],"predecessor-version":[{"id":5868,"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/posts\/5282\/revisions\/5868"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/media\/5283"}],"wp:attachment":[{"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/media?parent=5282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/categories?post=5282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.truthscan.com\/cs\/wp-json\/wp\/v2\/tags?post=5282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}