How many AI incidents did banks have in 2025? As of Oct 21, 2026, the register holds 16 publicly reported AI incidents at banks and fintechs dated 2025. 10 of the 16 records involve systems the institution or a regulator described as AI; 0 are automated systems not described as AI, and 6 are machine-learning systems not labelled AI on the record. Countries: United States (4), Australia (1), Brazil (1). Average severity 1.8 on a 1–5 scale. Status: 2 reported, 7 confirmed by the institution, 1 regulator finding, 2 court filing, 1 settled, 3 resolved. The most recent is "PKO BP warns that criminals use AI to forge bank employee IDs in impersonation scams" (Dec 9, 2025).
AI incidents at banks and fintechs by month since January 2022, by whose AI it was One dot per incident, 16 in all: Dec 9, 2025: PKO Bank Polski — PKO BP warns that criminals use AI to forge bank employee IDs in impersonation scams (Brand impersonation, severity 1 of 5); Nov 4, 2025: Upstart — Upstart says its AI underwriting model over-reacted to macro signals, cutting approvals; investors sue (Credit decisioning, severity 3 of 5); Sep 2, 2025: Banco Popular Dominicano — Banco Popular Dominicano reports a generative-AI deepfake of its executive president (Brand impersonation, severity 1 of 5); Jul 29, 2025: Commonwealth Bank of Australia — Commonwealth Bank reverses 45 job cuts it attributed to an AI voice bot (AI job-cut reversal, severity 2 of 5); Jul 10, 2025: Earnest Operations LLC — Massachusetts AG settles with student lender Earnest for $2.5m over AI underwriting disparate impact (Bias finding, severity 3 of 5); Jul 2025: Banco Santander — Deepfake ads clone Santander chair Ana Botín's voice to push fake investment platforms (Brand impersonation, severity 1 of 5); Jun 17, 2025: Bank of Montreal (BMO Financial Group) — Instagram ads use AI deepfakes of BMO strategist Brian Belski to lure investors (Brand impersonation, severity 1 of 5); May 8, 2025: Klarna — Klarna resumes hiring human agents after AI-first customer service produced 'lower quality' (AI job-cut reversal, severity 2 of 5); Apr 28, 2025: JPMorgan Chase Bank, N.A. — Class action alleged JPMorgan's HireVue AI video interviews were an unlawful lie-detector test (Litigation, severity 2 of 5); Apr 11, 2025: Nubank (Nu Holdings) — Deepfake videos push a fake 'Nubank indemnity' scam in Brazil (Brand impersonation, severity 1 of 5); Apr 2025: Goldman Sachs — Deepfakes of Goldman strategists David Kostin and Abby Joseph Cohen used in Instagram stock-tip scams (Brand impersonation, severity 1 of 5); Apr 1, 2025: Kotak Mahindra Bank — AI-manipulated video of Uday Kotak promoting an investment scheme goes viral (Brand impersonation, severity 1 of 5); Mar 26, 2025: HSBC (Singapore) — Deepfake Zoom call leads a Singapore finance director to wire US$499,000 from an HSBC account; funds recovered (Deepfake fraud, severity 2 of 5); Mar 20, 2025: ABN AMRO Bank N.V. — Man used deepfaked selfies and ID photos to open 47 ABN AMRO accounts in other people's names (Deepfake fraud, severity 3 of 5); Jan 22, 2025: Kakao Pay — Korea fines Kakao Pay KRW 5.97bn for sending 40m users' data to Alipay to build a credit-risk scoring model (Regulatory finding, severity 3 of 5); Jan 21, 2025: DNB Bank — Deepfaked DNB executives in a fake Teams meeting try to get Singapore staff to pay out millions (Deepfake fraud, severity 1 of 5). Institution's own AI May 8, 2025: Klarna — Klarna resumes hiring human agents after AI-first customer service produced 'lower quality' (AI job-cut reversal, severity 2 of 5) Jul 29, 2025: Commonwealth Bank of Australia — Commonwealth Bank reverses 45 job cuts it attributed to an AI voice bot (AI job-cut reversal, severity 2 of 5) Nov 4, 2025: Upstart — Upstart says its AI underwriting model over-reacted to macro signals, cutting approvals; investors sue (Credit decisioning, severity 3 of 5) AI used against the institution Jan 21, 2025: DNB Bank — Deepfaked DNB executives in a fake Teams meeting try to get Singapore staff to pay out millions (Deepfake fraud, severity 1 of 5) Mar 20, 2025: ABN AMRO Bank N.V. — Man used deepfaked selfies and ID photos to open 47 ABN AMRO accounts in other people's names (Deepfake fraud, severity 3 of 5) Mar 26, 2025: HSBC (Singapore) — Deepfake Zoom call leads a Singapore finance director to wire US$499,000 from an HSBC account; funds recovered (Deepfake fraud, severity 2 of 5) Apr 2025: Goldman Sachs — Deepfakes of Goldman strategists David Kostin and Abby Joseph Cohen used in Instagram stock-tip scams (Brand impersonation, severity 1 of 5) Apr 1, 2025: Kotak Mahindra Bank — AI-manipulated video of Uday Kotak promoting an investment scheme goes viral (Brand impersonation, severity 1 of 5) Apr 11, 2025: Nubank (Nu Holdings) — Deepfake videos push a fake 'Nubank indemnity' scam in Brazil (Brand impersonation, severity 1 of 5) Jun 17, 2025: Bank of Montreal (BMO Financial Group) — Instagram ads use AI deepfakes of BMO strategist Brian Belski to lure investors (Brand impersonation, severity 1 of 5) Jul 2025: Banco Santander — Deepfake ads clone Santander chair Ana Botín's voice to push fake investment platforms (Brand impersonation, severity 1 of 5) Sep 2, 2025: Banco Popular Dominicano — Banco Popular Dominicano reports a generative-AI deepfake of its executive president (Brand impersonation, severity 1 of 5) Dec 9, 2025: PKO Bank Polski — PKO BP warns that criminals use AI to forge bank employee IDs in impersonation scams (Brand impersonation, severity 1 of 5) Governance finding Jan 22, 2025: Kakao Pay — Korea fines Kakao Pay KRW 5.97bn for sending 40m users' data to Alipay to build a credit-risk scoring model (Regulatory finding, severity 3 of 5) Apr 28, 2025: JPMorgan Chase Bank, N.A. — Class action alleged JPMorgan's HireVue AI video interviews were an unlawful lie-detector test (Litigation, severity 2 of 5) Jul 10, 2025: Earnest Operations LLC — Massachusetts AG settles with student lender Earnest for $2.5m over AI underwriting disparate impact (Bias finding, severity 3 of 5) 2022 2023 2024 2025 2026 One dot per incident · lanes by AI role · dot size = severity 1–5 · click a dot for the record · computed from the register Date Institution Incident AI? Role Category Severity Status Dec 9, 2025 PKO Bank Polski PKO BP warns that criminals use AI to forge bank employee IDs in impersonation scams AI (stated) AI used against the institution Brand impersonation Confirmed by the institution Nov 4, 2025 Upstart Upstart says its AI underwriting model over-reacted to macro signals, cutting approvals; investors sue AI (stated) Institution's own AI Credit decisioning Court filing Sep 2, 2025 Banco Popular Dominicano Banco Popular Dominicano reports a generative-AI deepfake of its executive president AI (stated) AI used against the institution Brand impersonation Confirmed by the institution Jul 29, 2025 Commonwealth Bank of Australia Commonwealth Bank reverses 45 job cuts it attributed to an AI voice bot AI (stated) Institution's own AI AI job-cut reversal Resolved Jul 10, 2025 Earnest Operations LLC Massachusetts AG settles with student lender Earnest for $2.5m over AI underwriting disparate impact AI (stated) Governance finding Bias finding Settled Jul 2025 Banco Santander Deepfake ads clone Santander chair Ana Botín's voice to push fake investment platforms ML (inferred) AI used against the institution Brand impersonation Reported Jun 17, 2025 Bank of Montreal (BMO Financial Group) Instagram ads use AI deepfakes of BMO strategist Brian Belski to lure investors ML (inferred) AI used against the institution Brand impersonation Reported May 8, 2025 Klarna Klarna resumes hiring human agents after AI-first customer service produced 'lower quality' AI (stated) Institution's own AI AI job-cut reversal Confirmed by the institution Apr 28, 2025 JPMorgan Chase Bank, N.A. Class action alleged JPMorgan's HireVue AI video interviews were an unlawful lie-detector test AI (stated) Governance finding Litigation Court filing Apr 11, 2025 Nubank (Nu Holdings) Deepfake videos push a fake 'Nubank indemnity' scam in Brazil ML (inferred) AI used against the institution Brand impersonation Confirmed by the institution Apr 2025 Goldman Sachs Deepfakes of Goldman strategists David Kostin and Abby Joseph Cohen used in Instagram stock-tip scams ML (inferred) AI used against the institution Brand impersonation Confirmed by the institution Apr 1, 2025 Kotak Mahindra Bank AI-manipulated video of Uday Kotak promoting an investment scheme goes viral ML (inferred) AI used against the institution Brand impersonation Confirmed by the institution Mar 26, 2025 HSBC (Singapore) Deepfake Zoom call leads a Singapore finance director to wire US$499,000 from an HSBC account; funds recovered AI (stated) AI used against the institution Deepfake fraud Resolved Mar 20, 2025 ABN AMRO Bank N.V. Man used deepfaked selfies and ID photos to open 47 ABN AMRO accounts in other people's names AI (stated) AI used against the institution Deepfake fraud Resolved Jan 22, 2025 Kakao Pay Korea fines Kakao Pay KRW 5.97bn for sending 40m users' data to Alipay to build a credit-risk scoring model ML (inferred) Governance finding Regulatory finding Regulator finding Jan 21, 2025 DNB Bank Deepfaked DNB executives in a fake Teams meeting try to get Singapore staff to pay out millions AI (stated) AI used against the institution Deepfake fraud Confirmed by the institution
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