Lucingo ngelivi le-CEO wakho lucela kudluliswa kwemali ngasese: kukhohlisa nge-AI kwatsatsa emadola langu-129 million etinkampanini, futsi umtsetfo munye uyakuvimba

Kukhohlisa kungulenye yetintfo letiseshwa kakhulu eSaudi Arabia lamuhla, ngeLesibili mhla ziyi-10 Lweti 2026. Emalangeni lasihlanu lendlule, bashushisi bahulumende waseMelika eNew York bamemetela emacala ngelicembu lelasebentisa i-AI kukopisha emavi netitfombe tetikhulu letiphetse tinkampani nebameli, lancenga tisebenti kutsi tidlulise emadola langetulu kwa-129 million, lacishe abe ngu-483 million wema-riyal aseSaudi, emkhatsini wa-2024 na-2026. Sifundvo kulo lonkhe libhizinisi: ungalokoti utfumele imali ngobe livi linjengelemphatsi. Sonkhe sicelo sekudluliswa kwemali lesingaphandle kwenchubo lejwayelekile siyacinisekiswa ngelucingo lowenta wena ngekwakho kunombolo lesevele isemarekhodini, kanye nemvumo yemuntfu wesibili, ngaphandle kwekuhlukaniswa kwetivumelwano letiyimfihlo. (Simo lesiphelele sakhuluma ngaso esihlokweni setfu mayelana nema-deepfake nekukhohlisa nge-AI, nema-imeyili lamanga esihlokweni setfu mayelana nema-imeyili e-phishing.)

Kwentekeni, ngetinombolo

NgeLesine mhla ziyi-5 Lweti 2026, Lihhovisi Lemmeli Wahulumende waseMelika weSifundza saseNingizimu saseNew York lakhipha embaleni licala lelibekwe bantfu labangu-3 lababoshwe eSpain nase-United Kingdom, futsi ticelo tekudluliselwa kwabo tisemi. Konkhe lokusecaleni kusolwa lokusengakafakazelwa enkantolo. Sitatimende sabala tinkampani letingu-6 letaba yimihlatsi, kanye nletinye:

• Licembu letibhedlela eMissouri: $4,829,580.
• Libhange eRhode Island: $2,684,580.
• Licembu letibhedlela eCalifornia: $2,968,497.
• Inkampani yebuchwepheshe betimali e-United Kingdom: $11,578,474.
• Inkampani yetimali tekutfutfukisa eMassachusetts: $4,639,918.
• Inkampani yekudla kwetilwane tasekhaya eFlorida: $5,242,747.

Letisitfupha todvwa tihlangene tibalelwa ku-31.9 million wemadola. Naka kutsi imihlatsi bekungesito titolo letincane letinganaki: kufaka ekhatsi libhange, inkampani ye-fintech nemphatsi wetimali, tinhlangano letinemathimba etimali netilawuli.

Lucingo luhamba njani, ngesinyatselo nesinyatselo

Ngekusho kwesitatimende sebashushisi, umdlalo bewuphindzaphindvwa ngalokulandzelana lokufanako:

1. I-CEO iyashayela: lomkhohlisi uticenga njenge-CEO, asebentise i-AI kulingisa livi noma sitfombe sayo elucingweni, bese acela lusito kusisebenti endlelweni yetimali lekuyimfihlo.
2. Kungena umeli: i-CEO yemgunyathi itjela sisebenti kutsi sitsintsane nebameli betinkampani letinkhulu temtsetfo temhlaba labatsiwa basebenta kulesivumelwano, futsi labakhohlisi baticenga nalabo bameli.
3. Kudluliswa kwemali: umeli wemgunyathi uyala kutsi imali lenyenti idluliselwe ku-akhawunti yasebhange lelawulwa licembu, emaveni lafaka ekhatsi iMelika, iSpain, iPortugal, iGreece, i-United Arab Emirates, iSingapore, i-Austria, iSlovakia neChina.
4. Kufihla: nangabe imali sefikile, iguculwa ibe yi-cryptocurrency kute kufihlwe lapho ivela khona.

Imininingwane lebaluleke kakhulu: lomunye walabasolwa bekagcine umbhalo lobhalwe ngesandla lonesihloko lesitsi Lawyer Call, lonemagama lahlose kuncenga tisebenti kutsi tingakhulumi ngaletingcingo nalabo labasebenta nabo. Imfihlo ayisiyo intfo lencane kulokukhohlisa. Ilithulusi lelivala tonkhe tilawuli tangekhatsi.

Kungani kubona livi sekunganeli

Seluleko sekutsi lalela kahle asisasebenti. Umbiko wemnyaka wa-2025 we-FBI Internet Crime Complaint Center utsi lokucuketfwe lokwentiwe nge-AI kuya ngekuba lukhuni kukubona futsi kulula kukwenta, nekutsi kukopisha livi kusetjentiswa kucela kudluliswa kwemali. Nga-2025 kuphela:

• Lesikhungo satfola tikhalo letingu-22,364 letikhuluma nge-AI, nekulahlekelwa lokungu-$893,346,472.
• Tinkampani tabika kulahlekelwa lokungetulu kwa-30 million wemadola ekukhohliseni nge-imeyili yebhizinisi lokufaka ekhatsi i-AI.
• Kukhohliswa nge-imeyili yebhizinisi kukonkhe kwabiza $3,046,598,558 etikhalweni letingu-24,768.

Leti tinombolo taseMelika, kodvwa lendlela ayinayo imingcele, futsi ema-akhawunti alelicembu afaka ekhatsi ne-United Arab Emirates. ESaudi Arabia, Libhange Lelikhulu laseSaudi (SAMA) litsi tindlela tekukhohlisa tiyehlukahluka kodvwa inhloso iyafana: kweba imali yakho noma kusebentisa i-akhawunti yakho yasebhange etindlelweni letingekho emtsetfweni, futsi leluleka kutsi lwati lutsatfwe emitfonjeni lesemtsetfweni kuphela. Enkampanini, umtfombo lowusemtsetfweni yinombolo lesevele unayo emarekhodini, hhayi inombolo lekushayele.

Imitsetfo lemi-5 levikela kudluliswa kwemali enkampanini yakho

1. Kuphindze ushayele kuyimpoco. Sonkhe sicelo sekudluliswa kwemali ngelucingo, ngevidiyo noma nge-WhatsApp, nome ngelivi le-CEO, siyacinisekiswa ngelucingo lolwentiwa sisebenti ngekwaso kunombolo ye-CEO lesemarekhodini enkampani, hhayi ngekuphindze ushayele inombolo leyo noma ngekungena kulilinki lemhlangano lelitfunyelwe ngulocelako.
2. Akukho kuhlukaniswa ngenca yemfihlo. Kubhale emgomeni wenkampani: akukho sivumelwano lesiyimfihlo lesikhululwa enchubeni yemvumo. Tjela lithimba lakho kutsi i-CEO yangempela ngeke icele kutsi kudluliswa kwemali kufihlwe kumphatsi wetimali. Nome ngusiphi sicelo sekutsi ungatjeli labasebenta nawe sisho kutsi mani ngekushesha.
3. Timvumo letimbili ngetulu kwemkhawulo. Beka linani lapho kudluliswa kwemali lokungetulu kwalo kudzinga umuntfu wesibili lovumako lobekangekho elucingweni, kahle kahle lokucinisekiswa ngelusito lwesistimu yakho yetimali nemvumo ye-akhawunti yakho yasebhange, hhayi kubhalwa encwadzini yemiyalo kuphela.
4. Ligama lekucinisekisa langekhatsi. Vumelana nabo bonkhe labanelilungelo lekucela kudluliswa kwemali ngembuto noma ligama lelisetjentiswa kuphela eticelweni tetinkhokhelo futsi lingalokoti libhalwe ku-imeyili noma engcocweni. Umkhohlisi angakopisha livi, kodvwa ngeke akwati loko langazange akuve.
5. Bika emahoreni, hhayi emalangeni. Nangabe imali seyiphumile, shayela libhange lakho ngekushesha ucele kutsi liyimise. Nga-2025 i-Recovery Asset Team ye-FBI yasebenta nemabhange etigamekweni letingu-3,900 futsi yamisa $679,013,183, ngelizinga lemphumelelo lelingu-58%, futsi lokubaluleke kakhulu bekulijubane lemihlatsi ekubikeni.

Umbono we-Origami

Lelicala silibona njengenkinga yenchubo kakhulu kunebuchwepheshe. Licembu alizange lingene ngenkhani etistimeni talowo nalowo umhlatsi. Lasebentisa intfo yinye: sisebenti lesikhona kudlulisa imali sodvwa futsi lesilalela livi lesilaticako. Nangabe kulingisa livi nebuso sekushibhile, umtsetfo lomunye lomele ngulowo longancikile ekutseni sisebenti sahlulela njani loko lesikuvako.

Ngako-ke, nasakha tistimu letentelwe wena tekubalwa kwetimali, kutsenga noma tinkhokhelo emabhizinisini aseSaudi, sibeka indlela yemvumo ngekhatsi kwesistimu ngokwayo: imikhawulo yemanani, imvumo yesibili, nerekhodi lalo lonkhe licelo nalabavumile, kute kungabi khona lucingo lolukholisako lolungayeca. Nawufuna kubuyeketwa kwendlela yakho yemvumo yetinkhokhelo, tsintsana natsi noma ubuke tinsita tetfu.

Sifinyeto: lokufanele ukwente kulelivikini

• Hlanganisa bonkhe labangatfumela noma bavume tinkhokhelo ubachazele ngalelicala ngemizuzu lengu-10.
• Faka umtsetfo wekuphindze ushayele nemtsetfo wekungahlukaniswa ngenca yemfihlo emgomeni lobhaliwe lowusayinwa lithimba.
• Hlola imvumo ye-akhawunti yakho yasebhange: umuntfu munye angatfumela nome ngumaphi linani ngaphandle kwemvumo yesibili?
• Gcina inombolo yelucingo lwekubika kukhohlisa lwelibhange lakho kulithimba letimali ngaphambi kwekutsi uyidzinge.

Imitfombo

• Litiko Letebulungiswa laseMelika, Lihhovisi Lemmeli Wahulumende weSifundza saseNingizimu saseNew York — sitatimende sambhalo wa-5 Lweti 2026: emacala, indlela yekuticenga nge-CEO nebameli, kulahlekelwa kwetinkampani letisitfupha, nemave lapho ema-akhawunti avulwa khona.
• FBI Internet Crime Complaint Center — umbiko wemnyaka wa-2025 we-IC3: tikhalo nekulahlekelwa lokuhlobene ne-AI, kulahlekelwa ngekukhohliswa nge-imeyili yebhizinisi, nemiphumela yekumiswa kwetimali.
• Libhange Lelikhulu laseSaudi (SAMA) — sexwayiso ngemilayeto netingcingo letisolisako: tindlela tekuticenga ngabanye, inhloso yato, neseluleko sekutsemba imitfombo lesemtsetfweni kuphela.