New research reveals that most Americans are struggling to notice scams with the emergence of artificial intelligence.
The findings come from new research by Alloy and The Harris Poll, which surveyed 2,000 US adults between July 8 and July 26, 2025.
The study shows that 85% of Americans say scams such as bank impersonation, voice cloning over the phone and identity fraud are now much harder to detect due to AI. Only 8% say they are not worried about AI scams.
Looking at the amount of funds looted, the study notes that about one and five (21%) Americans have lost $5,000 or more to thieves, with young people reporting the highest financial impact.
“As a combined category, 23% of Gen Z and Millennial scam victims report losses at this level — more than Gen X/Boomers (18%). This number is especially high for millennials, with one in four (25%) reporting losses of $5,000 or more. Meanwhile, Gen Z reported the highest percentage of losses above $50,000, at 5%.”
The study also finds that 39% of Americans believe that scam protection is their personal responsibility, while 36% say their financial institution should bear responsibility. Only one in ten says that it’s the government’s responsibility.
When selecting a financial institution, the vast majority of Americans (97%) say fraud prevention and security measures are non-negotiable factors.
Says Alloy’s Sara Seguin,
“The data confirms what we’re seeing on the ground: AI hasn’t made fraudsters more sophisticated, it’s made them more efficient. A single criminal can now launch thousands of personalized attacks in minutes. But here’s what’s fascinating: consumers get it. They’re demanding banks use the same AI technologies to protect them.”
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