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CNBC AI · 2026/8/3 16:44:25

Visa to buy cybersecurity firm BioCatch for $2.4 billion amid surge in AI-powered scams
AI 中文解读
核心亮点:支付巨头Visa砸下24亿美元现金收购网络安全公司BioCatch,专门对付越来越狡猾的AI诈骗。
通俗解读:以前防诈骗主要靠事后追查,这次Visa买下的技术相当于给每个人装上了"行为指纹"——系统会记录你打字的速度、滑屏幕的力度、拿手机的姿势等独特习惯。如果骗子假冒你操作账户,哪怕密码正确,动作模式对不上号,系统就能在转账完成前紧急拦截。简单说,就是从"验明正身"升级到"验明正手"。
实际影响:对普通人来说,最大的变化是银行卡和支付账户会变得更安全。现在AI能模仿声音、伪造视频,传统验证方式已经不够用了。有了这种技术,即使骗子骗到了你的所有密码,甚至伪造了人脸,只要操作习惯不像你本人,钱就转不出去。Visa把这套系统嵌入全球支付网络后,用户不需要额外操作,后台就能默默保护每一笔交易。当然,这也意味着你的使用行为数据会被更深入地分析,隐私边界值得关注。但整体来看,对付AI诈骗,用更精细的行为识别来"以毒攻毒",确实是行业趋势。
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FinanceVisa to buy cybersecurity firm BioCatch for $2.4 billion amid surge in AI-powered scamsPublished Mon, Aug 3 202610:10 AM EDTUpdated 30 Min AgoHugh Son@hugh_sonWATCH LIVEKey PointsVisa is acquiring Tel Aviv-based fraud detection startup BioCatch for $2.4 billion in cash from private equity firm Permira and other investors. The deal centers on BioCatch's "behavioral biometrics" technology, which analyzes typing cadence, touchscreen swipes and device handling to catch scams before payments occur.The transaction will bolster Visa's value-added services division as the payments giant expands beyond traditional transaction fees.In this articleVFollow your favorite stocksCREATE FREE ACCOUNTNikolas Kokovlis | Nurphoto | Getty ImagesVisa on Monday said it is acquiring fraud detection startup BioCatch for $2.4 billion in cash, expanding the payment giant's push into cybersecurity as banks confront a surge in artificial intelligence-powered scams and account takeovers.Under the deal, Visa will get BioCatch's behavioral biometrics platform, which analyzes data including keystroke timing, touch screen pressure and other signals to distinguish real users from scammers and bots. Visa said it is acquiring the firm from London-based private equity firm Permira and other investors.The acquisition underscores how payments companies are racing to strengthen fraud defenses as generative AI makes attacks cheaper, faster and more convincing. Visa estimates that scams and account takeovers cost the global economy more than $1 trillion annually.The acquisition is also the latest move by Visa to expand its value-added services business, which sells fraud prevention, cybersecurity and analytics software to financial institutions and has become one of the company's fastest-growing divisions."BioCatch will help our clients stop fraud before it reaches the point of payment," Andrew Torre, Visa's
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