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If you’re reading this, there’s a good chance you’ve used the likes of ChatGPT, Gemini, Claude or some other AI chatbot. People continue to use them for day-to-day help with writing, generating images and for vibe coding apps and games. And that’s not even talking about the capabilities of agentic AI.

If you bank online, you probably know the routine. You enter your password and then wait for a six-digit code to arrive by text. That extra step is supposed to help prove you are really you. Unfortunately, scammers have learned how to turn those codes against us.