Matt Vega

For over a decade, fraud strategy remained human-driven, but the emergence of "fraud-with-agency" has made that model obsolete. This blog identifies seven operational AI-driven attack vectors, including invoice-timed malware, Deepfake-as-a-Service, and automated chain-hopping, that are currently producing losses across banking and fintech. Sardine’s threat research team examines the mechanics of these independent systems and explains why defensive strategies must move toward real-time correlation and agentic oversight to match the speed of modern threats.