【編者按】為回應家長和學生對提升英文能力的需求，點教育推出欄目「時事英豪」。本欄目精選社會熱點，以中英對照形式解構新聞時事，並提煉實用英文詞彙，文末更設有思考題，助學生在了解時事的同時鍛煉語言能力。
在警察手中，槍械是保護守法民眾的工具；但在匪徒手中，槍械則變為了助紂為虐的凶器。時下爆火的AI亦是如此。那麼，騙徒如何利用高科技實施犯罪？
內容如下：
隨着人工智能（AI）興起，不法之徒的騙局也變得更高智能。香港去年整體科技罪案宗數按年下跌約6.9%，但損失金額卻上升23.2%。
With the rise of artificial intelligence (AI), scams have become increasingly sophisticated. In Hong Kong, the total number of technology crime cases last year decreased by approximately 6.9% year-on-year, but the total amount of financial losses increased by 23.2%.
其中滲透市民日常生活的「釣魚」騙案數字，跌幅約六成，惟損失金額增加逾一倍，反映網絡罪案「貴精不貴多」，正向高度針對性、高度破壞力方向發展。
Among these, the number of "phishing" scams, which have infiltrated citizens' daily lives, dropped by about 60%, yet the resulting losses more than doubled. This reflects a trend in cybercrime where quality takes precedence over quantity, moving toward highly targeted and highly destructive tactics.
警方分析發現，「釣魚」攻擊向三方面進化，包括騙徒以低成本網購「釣魚套件」配合自動化工具，大規模生成和發布海量詐騙短訊；針對受害人「量身訂造」個性化行騙「劇本」；最後是利用人工智能「深偽技術」增強仿真度，更精準、更逼真行騙，令機構員工或市民防不勝防。
Police analysis has revealed that phishing attacks have evolved in three directions: fraudsters use low-cost "phishing kits" purchased online, combined with automated tools, to generate and distribute mass fraudulent text messages; they create personalized "scripts" tailored to individual victims; and they employ AI-powered "deepfake technology" to enhance authenticity, making scams more precise and convincing, leaving corporate employees or citizens increasingly vulnerable.
去年11月，一間公司會計職員收到一條WhatsApp短訊，騙徒假冒WhatsApp管理員聲稱系統更新，要求提供賬戶驗證信息。
In November last year, an accounting staff member of a company received a WhatsApp message from a scammer impersonating a WhatsApp administrator, claiming a system update was required and asking for account verification information.
事主按照指示輸入密碼，變相交出訪問權限，令騙徒洞悉賬戶所有對話，並冒充公司合作夥伴，用新手機號碼向事主發送訊息，訛稱收款賬戶已更改，並提供3個新的銀行賬戶，事主未經核實，分4次轉出合共1,900萬元。
Following the instructions, the victim entered their password, effectively granting access to the fraudster. This allowed the scammer to view all conversations in the account. The scammer then impersonated a business partner of the company and sent a message to the victim from a new phone number, falsely stating that the payment account had been changed and providing three new bank accounts. Without verification, the victim transferred a total of HK$19 million in four transactions.
警方網絡安全及科技罪案調查科署理高級警司許綺惠日前接受訪問時分析「釣魚」騙案最新趨勢，她指「釣魚」攻擊趨向更精準、更逼真、更難識別的方向發展。
Rachel Hui, Acting Senior Superintendent of Police of the Cyber Security and Technology Crime Bureau, recently analyzed the latest trends in phishing scams in an interview, stating that phishing attacks are becoming more precise, more realistic, and harder to identify.
從香港整體網絡威脅形勢分析，去年針對香港的網絡威脅情報超過150萬宗，當中「釣魚」攻擊佔約27%，即平均每4宗威脅就有1宗涉及「釣魚」。
Looking at the overall cyber threat landscape in Hong Kong, there were over 1.5 million cyber threat intelligence reports targeting the city last year. Among these, phishing attacks accounted for approximately 27%, meaning that roughly one in every four threats involved phishing.
- technology crime (n.) 科技犯罪，技術犯罪
英：Law enforcement agencies are struggling to keep up with the rise of technology crime.
中：執法機構正努力應對日益增加的科技犯罪。
- tactics (n.) 策略；手法；戰術
英：The company adopted new security tactics to prevent data breaches.
中：該公司採用了新的安全策略來防止資料外洩。
- precise (adj.) 精確的，明確的
英：The surveillance camera captured a precise image of the suspect's face.
中：監視器拍下了嫌疑人臉部的精確影像。
- impersonate (v.) 冒充，假扮
英：The scammer tried to impersonate a bank officer to steal personal information.
中：該詐騙者試圖冒充銀行職員以竊取個人資訊。
- verification (n.) 驗證，核實
英：Two-factor verification adds an extra layer of security to online accounts.
中：雙重驗證為線上賬戶增加了額外的安全層。
- fraudster(n.) 詐騙者，欺詐犯
英：The fraudster was arrested after stealing millions from elderly victims.
中：該詐騙者在從年長受害者手中騙取數百萬後被捕。
- landscape (n.) 景觀；形勢
英：The cybersecurity landscape has changed dramatically over the past decade.
中：過去十年間，網絡安全格局發生了巨大變化。
學習指南
建議小讀者們分四步走：1.先通讀中文了解時事；2.再讀英文，選擇出不理解的句子；3.重點學習詞彙和句式，並嘗試用自己的話複述新聞要點；4.注意中英文本對於同一信息（事實）的不同表述方式。
想一想
AI在騙徒的作案過程中扮演了怎樣的角色？
What role does AI play in the scammer's modus operandi*?
*an individual's habits of working, particularly in the context of business or criminal investigations. 「modus operandi」這個詞彙被執法單位用來指稱犯罪的特定模式、規則，及罪犯的特徵，也就是常見的「作案手法」一詞。
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