熱門時事分享：破解 AI 詐騙心理戰！三大心理弱點與防詐心法一次掌握｜20260127
目錄
2026 年 01 月 27 日｜HOT 用英文聊時事｜S1 EP11
SEGMENT 1｜台灣詐騙財損破 502 億！AI 詐騙如何快速滲透日常生活
歡迎收聽《HOT 用英文聊時事》，我是 CLN 的 Clarence 老師。你有沒有覺得現在的詐騙跟以前不一樣了？不再是那種很粗糙、簡單幾句話就能拆穿的，現在是精準量身打造，不仔細看根本很難察覺，這正是 AI 詐騙帶來的威脅。AI 詐騙有多猖獗？光是 2024 年，台灣詐騙總財損創下 502 億元歷史新高，而在 2025 年 6 月就受理了超過 1.6 萬件詐騙案件，單月財產損失高達 89 億台幣。今天，就讓我們來聊聊 AI 詐騙的核心技術是什麼、為什麼我們那麼容易被騙，面對這場數位信任危機，我們又該如何應對。
Welcome to “Hot English Topics.” I’m Clarence from CLN. Have you noticed that scams today are very different from before? They are no longer simple messages that we can easily expose. Now they are carefully designed for each person, and it is hard to see the problem unless we look closely. This is the danger of AI scams. How serious is it? In 2024, Taiwan recorded financial losses of 50.2 billion NT dollars from scams. By June 2025, more than sixteen thousand cases had already been reported, with losses reaching 8.9 billion NT dollars that month. Today, we will explore the main technologies behind AI scams, why people fall for them, and how we can face this crisis of digital trust.
SEGMENT 2｜換臉又變聲！眼見為憑的信任徹底瓦解
AI 詐騙之所以可怕，是因為換臉變聲視訊與語音詐騙，動搖了我們對眼見為憑的信任。只要少量的資料，詐騙者就能生成逼真的語音或畫面，假扮親友或高層要求緊急匯款，並以連線不穩為由掩護破綻。甚至還利用 Deepfake 製作名人投資影片，假借其影響力在社群上迅速吸引被害人上鉤。不只如此，詐騙集團透過 AI 分析公開資料，模仿高層語氣，或提及你的私事，量身打造偽造釣魚郵件，語氣、邏輯都非常自然完美。AI 甚至還能假扮客服或顧問，以長時間對話套出個資，再誘導受害者進行假投資。
AI scams are dangerous because deepfake video and voice cloning weaken our trust in what we see and hear. With very little data, scammers can create convincing voices or images and pretend to be friends, family members, or company executives asking for urgent money transfers. They may hide problems by saying the connection is unstable. Some also use deepfake technology to make fake celebrity investment videos to attract victims online. Fraud groups use AI to study public information and create phishing emails that copy a manager’s tone or mention personal details. AI can even act as customer service, hold long conversations to get personal information, and later guide victims into fake investments.
SEGMENT 3｜為什麼我們那麼容易被騙？ AI 詐騙三大心理陷阱
為什麼我們那麼容易被騙？不是因為我們笨，而是詐騙集團懂人性的漏洞。在眾多心理陷阱中，最具威脅性的是「權威與信任的錯覺」，因為我們本能信任親近的人和權威人物，一旦 AI 精準模擬熟悉的聲音和臉孔，大腦會繞過理性防線，忽略內容本身的不合理。「急迫感與情緒劫持」也非常常見，詐騙者深知壓力會讓大腦進入自動反應模式，因此捏造車禍、機密外洩等緊急情況，迫使受害者在短時間內決定，大腦來不及判斷，也就無法冷靜驗證或尋求協助。最後則是「專屬與個人化的誘惑」，AI 詐騙透過分析社群與外洩資料，生成帶有個人喜好、工作細節或近期生活的客製化訊息，讓人誤以為對方真的認識自己，不自覺放下戒心。
Why are we so easily deceived? It is not because we are not smart, but because scammers understand human weaknesses. One major trap is the illusion of authority and trust. We naturally believe people close to us and those in power, so when AI copies familiar voices or faces, our brains skip rational judgment and ignore problems in the message. Another common trap is urgency and emotional pressure. Scammers create emergencies such as car accidents or information leaks, forcing victims to make quick decisions. With little time to think, victims cannot calmly check the facts or ask for help. The last trap is personalization. AI uses social media and leaked data to produce messages that match a person’s interests, work details, or recent events. This makes victims think the sender knows them, which lowers their guard.
SEGMENT 4｜AI 詐騙防不勝防？個人防詐心法一次掌握
面對 AI 詐騙，第一步絕對是保持冷靜並延遲行動。詐騙集團常利用時間壓力與情緒操控，讓人在慌亂中做錯決定，因此當感到急迫時，應先暫停三十秒深呼吸，如果是重大事項也不要當天就做決定，更要提醒自己不貪心，不被「限時優惠」等稀缺效應推著走，對高報酬或快速致富誘惑保持警覺。光冷靜還不夠，因為 AI 生成的影像已難以用直覺判斷真假，凡是牽涉金錢，都應撥打官方客服電話，而非回撥可疑來電，只要感覺哪裡怪怪的，應立即聯繫 165 反詐騙專線或向派出所求助，讓專業單位協助判斷，才是最保險的做法。
When facing AI scams, the first thing to do is stay calm and slow down. Scammers use time pressure and emotional tricks to make people decide too quickly. When you feel rushed, pause for thirty seconds and take a deep breath. For important matters, avoid making decisions on the same day. Remind yourself not to be greedy and not to be influenced by scarcity tactics such as limited-time offers or promises of high returns. But staying calm is not enough, because AI generated images are hard to judge. For any financial request, call the official customer service number instead of returning suspicious calls. If anything feels unusual, contact the 165 Anti Fraud Hotline or visit a police station. Getting help from professionals is the safest choice.
SEGMENT 5｜新型犯罪 Deepfake 帶來的治理難題
新型詐騙發展迅速，法律更新速度卻遠遠追不上。過去法院處理 Deepfake 等案件時，只能套用個資法、誹謗等既有法條，然而這些都不足以遏止惡意換臉行為，為此台灣2023 年才修法，明確將「以深度偽造方法犯詐欺罪」列為加重詐欺類型，但法律界也擔心，過度擴張刑罰會阻礙技術發展。跨國界執法則是另一個棘手問題，詐騙集團刻意選擇資訊落差大、犯罪成本低的國家設立據點，也因台灣與這些國家無邦交、缺乏引渡協議，使得車手很難被定罪。此外，政府對 Meta 等跨國平臺的監管有限，對非廣告類的詐騙內容，難以要求平臺下架。
New types of fraud are growing quickly, but the law cannot keep up. Courts once had to use older laws like the Personal Data Protection Act or defamation law for deepfake cases, which were not enough to stop malicious face-swapping. Because of this, Taiwan amended its laws in 2023 and clearly listed fraud committed with deepfake technology as a more serious type of fraud. However, some experts still worry that strict penalties may affect technological progress. Cross border enforcement is another challenge. Fraud groups move to countries with large information gaps and low criminal costs. Without diplomatic ties or extradition law, Taiwan has difficulty bringing money mules to court. The government also has limited control over platforms such as Meta, so removing non advertising fraudulent content remains difficult.
SEGMENT 6｜守住社會信任？人人都該成為數位守門員
面對來勢洶洶的數位戰爭，真正能長期守住防線的，是全民都需具備數位守門意識，不是只依靠政府，唯有在可疑情境中保持冷靜、延遲決定並多方查證，才能避免落入心理陷阱，把防詐視為基本素養，這份全民的自覺，正是守住社會信任瓦解的關鍵。
As digital scams continue to rise, the most important defense is for everyone to develop a digital gatekeeper mindset rather than relying only on the government. By staying calm, slowing down decisions, and checking information from different sources, we can avoid psychological traps. Seeing fraud prevention as a basic skill is the shared awareness needed to protect society from losing trust.
SEGMENT 7｜結語
若你喜歡這種主題與雙語內容，歡迎追蹤我們、給我們五顆星，並分享給對新型 AI 詐騙或學英文有興趣的朋友。也告訴我們下次想聽的主題吧！我是 CLN 的 Clarence 老師，我們下次見！
If you enjoy this bilingual episode, please follow, rate us five stars, and share with friends interested in new AI scam trends, or English learning. Tell us what topic you want next. I’m Clarence from CLN. See you again soon!
歡迎至各大平台搜尋《HOT 用英文聊時事》，立即收聽最新集數！
每天早上八點更新，用簡單易懂的英文來講解最新的熱門、商業及趣味新聞，讓你輕鬆跟上時事，還能在社交場合侃侃而談，穩步提升英文實力！
本節目由【CLN (Corporate Language Network)｜外語服務與培訓領導品牌】製作播出。
CLN 英文一對一：https://cln-asia.com/1on1/
CLN 企業英文培訓：https://cln-asia.com/corporate-training/
追蹤 IG：@hotenglishnews
追蹤 FB：HOT基礎英文新聞 HOT English News
—— CLN 團隊 帶你看懂新聞，提升英文
www.cln-asia.com
本文由 CLN 編輯團隊的資深專家協力撰寫與審定。我們的團隊成員不僅畢業於台灣頂尖大學的商管、語文及教育相關系所，更在跨國企業、顧問諮詢、與人才發展領域，具備多年的實務與管理經驗，致力於將深厚的產業洞察轉化為兼具專業性與實用性的職場解決方案。
本站所有文章，歡迎自由分享網址連結並註明出處。但未經授權，請勿任意利用或直接複製、轉載文字內容。
關於 CLN
CLN (Corporate Language Network) 創辦於 2014 年，是亞洲企業外語服務和培訓的領導品牌，旨在解決企業因外語所衍伸的相關問題，協助客戶成為具有跨文化溝通和國際合作能力的專業人士。我們提供一流的企業教育訓練、AI 學習工具、隨選隨上家教平台、文件翻譯、會議口譯、師資訓練等專業服務。這些年來，我們的合作廠商包含 Google、Yahoo、IBM、IKEA、Mercedes-Benz、台積電、聯發科等多家國際品牌。
Since 2014, CLN (Corporate Language Network) has delivered language training and cross-cultural communication services for companies across Asia, including brands such as Google, IKEA, TSMC and MediaTek.