{"id":7321,"date":"2026-10-06T21:50:35","date_gmt":"2026-10-06T21:50:35","guid":{"rendered":"https:\/\/netguide.io\/news\/2026\/10\/06\/deepfakes-y-troyanos-android-banca-fraude-causa-billones-en-perdidas\/"},"modified":"2026-10-06T21:50:36","modified_gmt":"2026-10-06T21:50:36","slug":"deepfakes-y-troyanos-android-banca-fraude-causa-billones-en-perdidas","status":"publish","type":"post","link":"https:\/\/netguide.io\/news\/es\/2026\/10\/06\/deepfakes-y-troyanos-android-banca-fraude-causa-billones-en-perdidas\/","title":{"rendered":"Deepfakes y Troyanos Android: Banca Fraude Causa Billones en P\u00e9rdidas"},"content":{"rendered":"<div id=\"netgu-3411685853\" class=\"netgu-before-content netgu-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6258556257245998\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-6258556257245998\" \ndata-ad-slot=\"3494115342\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div><p>Los ataques criminales que involucran inteligencia artificial y malware especializado est\u00e1n poniendo bancos y sus clientes bajo presi\u00f3n creciente. Como muestran las recientes encuestas de investigadores de seguridad, las t\u00e1cticas de enga\u00f1o impulsadas por AI, como las profundasfakes, ya han causado miles de millones de d\u00f3lares en p\u00e9rdidas en todo el mundo, mientras que los troyanos m\u00f3viles apuntan simult\u00e1neamente a las credenciales de cuenta en los tel\u00e9fonos inteligentes.<\/p>\n<h2>Billones en p\u00e9rdidas de voces cerradas y videos sint\u00e9ticos<\/h2>\n<p>Seg\u00fan un estudio publicado en julio de 2026 por la firma de ciberseguridad Surfshark, las p\u00e9rdidas globales de fraudes a fondo han alcanzado por lo menos 3.700 millones de d\u00f3lares. Casi el 90% de este total ocurri\u00f3 entre principios de 2025 y mediados de 2026. Deepfakes son grabaciones de audio y v\u00eddeo manipuladas o generadas sint\u00e9ticamente usando IA generativa. Los ciberdelincuentes utilizan este material falso para evitar flujos de trabajo de aprobaci\u00f3n de la empresa interna o cheques de identificaci\u00f3n del cliente por impersonantes ejecutivos o titulares de cuentas.<\/p><div id=\"netgu-3317817331\" class=\"netgu-content netgu-entity-placement\"><aside class=\"deals-top deals-top--compact\">\n\n\t\t\t<h3 class=\"deals-top__title\">Top-Deals<\/h3>\n\t\n\t\t\t<ul class=\"deals-top__list\">\n\t\t\t\t\t\t\t<li class=\"deals-top__item\">\n\t\t\t\t\t<a class=\"deals-top__link\" href=\"https:\/\/netguide.io\/deals\/de\/deals\/ml2u-226-watch-face-fuer-wearos-im-google-play-store\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img class=\"deals-top__image\" src=\"https:\/\/netguide.io\/news\/wp-content\/uploads\/sites\/15\/2026\/10\/deal-3-150x150.png\" alt=\"\" width=\"52\" height=\"52\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"deals-top__body\">\n\t\t\t\t\t\t\t<span class=\"deals-top__name\">ML2U 226 Watch Face f\u00fcr WearOS im Google Play Store<\/span>\n\n\t\t\t\t\t\t\t<span class=\"deals-top__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-top__price\">Gratis<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<s>1.39 \u20ac<\/s>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-discount\">-100%<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<span class=\"deals-top__temperature\">\n\t\t\t\t\t\t\t55\u00b0\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li class=\"deals-top__item\">\n\t\t\t\t\t<a class=\"deals-top__link\" href=\"https:\/\/netguide.io\/deals\/de\/deals\/star-citizen-twitch-drops-deko-fuer-den-hangar\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img class=\"deals-top__image\" src=\"https:\/\/netguide.io\/news\/wp-content\/uploads\/sites\/15\/2026\/10\/source-150x150.jpg\" alt=\"\" width=\"52\" height=\"52\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"deals-top__body\">\n\t\t\t\t\t\t\t<span class=\"deals-top__name\">Star Citizen Twitch Drops \u2013 Deko f\u00fcr den Hangar<\/span>\n\n\t\t\t\t\t\t\t<span class=\"deals-top__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-top__price\">Gratis<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<span class=\"deals-top__temperature\">\n\t\t\t\t\t\t\t55\u00b0\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li class=\"deals-top__item\">\n\t\t\t\t\t<a class=\"deals-top__link\" href=\"https:\/\/netguide.io\/deals\/de\/deals\/moon-knight-digital-watch-face-fuer-wear-os-4\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img class=\"deals-top__image\" src=\"https:\/\/netguide.io\/news\/wp-content\/uploads\/sites\/15\/2026\/09\/deal-27-150x150.png\" alt=\"\" width=\"52\" height=\"52\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"deals-top__body\">\n\t\t\t\t\t\t\t<span class=\"deals-top__name\">MOON KNIGHT Digital Watch Face f\u00fcr Wear OS 4+<\/span>\n\n\t\t\t\t\t\t\t<span class=\"deals-top__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-top__price\">Gratis<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<s>0.89 \u20ac<\/s>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-discount\">-100%<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<span class=\"deals-top__temperature\">\n\t\t\t\t\t\t\t55\u00b0\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li class=\"deals-top__item\">\n\t\t\t\t\t<a class=\"deals-top__link\" href=\"https:\/\/netguide.io\/deals\/de\/deals\/battlefield-6-code-fuer-spielerkartenhintergrund-und-titel\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img class=\"deals-top__image\" src=\"https:\/\/netguide.io\/news\/wp-content\/uploads\/sites\/15\/2026\/10\/battlefield-6-how-to-redeem-codes-asset-code-9-2026_de-150x150.webp\" alt=\"\" width=\"52\" height=\"52\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"deals-top__body\">\n\t\t\t\t\t\t\t<span class=\"deals-top__name\">Battlefield 6 \u2013 Code f\u00fcr Spielerkartenhintergrund und Titel<\/span>\n\n\t\t\t\t\t\t\t<span class=\"deals-top__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-top__price\">Gratis<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<span class=\"deals-top__temperature\">\n\t\t\t\t\t\t\t55\u00b0\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li class=\"deals-top__item\">\n\t\t\t\t\t<a class=\"deals-top__link\" href=\"https:\/\/netguide.io\/deals\/de\/deals\/train-sim-world-7-starter-pack-kostenlos-fuer-ps4-ps5-xbox-pc\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img class=\"deals-top__image\" src=\"https:\/\/netguide.io\/news\/wp-content\/uploads\/sites\/15\/2026\/09\/capsule_616x353-11-150x150.jpg\" alt=\"\" width=\"52\" height=\"52\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"deals-top__body\">\n\t\t\t\t\t\t\t<span class=\"deals-top__name\">Train Sim World 7: Starter Pack kostenlos f\u00fcr PS4, PS5, Xbox, PC<\/span>\n\n\t\t\t\t\t\t\t<span class=\"deals-top__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-top__price\">Gratis<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<span class=\"deals-top__temperature\">\n\t\t\t\t\t\t\t55\u00b0\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t<p class=\"deals-top__more\">\n\t\t\t\t<a href=\"https:\/\/netguide.io\/deals\/\">Alle Deals ansehen \u2192<\/a>\n\t\t\t<\/p>\n\t\t\t<\/aside>\n<\/div>\n<p>Se cree que el n\u00famero de casos no denunciados es considerable: seg\u00fan el estudio, menos del 5% de las v\u00edctimas de fraude que denuncian el incidente a las autoridades en absoluto. Una encuesta de KPMG indica que el 62% de los directivos bancarios ahora clasifican a fondo entre sus mayores riesgos de seguridad. Los investigadores de Deloitte tambi\u00e9n advierten que las p\u00e9rdidas anuales del fraude financiero impulsado por AI en EE.UU. podr\u00edan aumentar hasta $40 mil millones en 2027.<\/p>\n<h2>Android Troyanos Hijack Contrase\u00f1as de un tiempo<\/h2>\n<p>Junto con el enga\u00f1o basado en AI, los smartphones se est\u00e1n convirtiendo en un objetivo cada vez m\u00e1s prominente. Los informes de la primavera 2026 muestran un aumento del 56 por ciento en los pantalones bancarios Android para el a\u00f1o 2025. El n\u00famero de paquetes maliciosos de instalaci\u00f3n incluso salt\u00f3 en un 271%. Los investigadores de seguridad se centran especialmente en <code>Mamont<\/code> y <code>Creduz<\/code> Familias de malware.<\/p>\n<p>Los atacantes distribuyen principalmente su malware a dispositivos m\u00f3viles disfrazados como aplicaciones de utilidad diaria o recompensa. Una vez instalados, los programas exigen permisos extensos. Al hacerlo, el malware puede interceptar contrase\u00f1as \u00fanicas (OTPs) para transacciones y secuestrar aut\u00f3nomamente sesiones bancarias activas en l\u00ednea.<\/p>\n<h2>Altos costos para el sector financiero<\/h2>\n<p>La infraestructura de las instituciones tambi\u00e9n est\u00e1 bajo asedio. Seg\u00fan un estudio de IBM publicado a mediados de 2026, una brecha de datos cost\u00f3 a la industria financiera un promedio de 5,56 millones de d\u00f3lares en 2025, aproximadamente un 25% por encima del promedio de la industria cruzada. Aunque el tiempo general para identificar incidentes disminuy\u00f3 gracias a sistemas de inteligencia artificial defensiva, los atacantes ahora despliegan herramientas de inteligencia artificial en torno al 16% de todos los ataques.<\/p>\n<h2>C\u00f3mo los consumidores pueden protegerlos<\/h2>\n<p>Dado que los delincuentes dependen cada vez m\u00e1s de los dispositivos m\u00f3viles y la investigaci\u00f3n de identidad, los clientes bancarios deben seguir las principales pr\u00e1cticas de seguridad:<\/p>\n<ul>\n<li><strong>Autores de revisi\u00f3n:<\/strong> No otorgar acceso a aplicaciones reci\u00e9n instaladas a los servicios de SMS, notificaciones o accesibilidad a menos que sea estrictamente necesario para la funcionalidad prevista de la aplicaci\u00f3n.<\/li>\n<li><strong>Ejercicio de precauci\u00f3n con las aplicaciones de recompensa y utilidad:<\/strong> Descarga aplicaciones m\u00f3viles s\u00f3lo de fuentes de confianza y evitar paquetes de instalaci\u00f3n sospechosos.<\/li>\n<li><strong>Ser esc\u00e9ptico de las verificaciones basadas en el tel\u00e9fono:<\/strong> Debido a que los atacantes pueden clonar de manera convincente voces, las solicitudes de transacci\u00f3n sospechosas siempre deben ser verificadas a trav\u00e9s de un canal de comunicaci\u00f3n oficial y separado con el banco.<\/li>\n<\/ul>\n<p><em>Fuentes: <a href=\"https:\/\/borncity.com\/news\/banken-unter-cyberdruck-deepfake-betrug-verursacht-37-milliarden-dollar\/\" rel=\"nofollow noopener\" target=\"_blank\">Borncity.com<\/a><\/em><\/p>\n<div id=\"netgu-3928138605\" class=\"netgu-after-content netgu-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6258556257245998\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-6258556257245998\" \ndata-ad-slot=\"4559785002\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Los criminales est\u00e1n sifonizando miles de millones del sector financiero usando simulaciones de IA y malware m\u00f3vil. Los troyanos de Android interceptan contrase\u00f1as, mientras que los sistemas de verificaci\u00f3n m\u00e1s inteligentes.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_affilinode_tracking":"","_affilinode_autolink_off":false,"_affilinode_rating":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[],"tags":[],"class_list":["post-7321","post","type-post","status-publish","format-standard","hentry"],"brizy_media":[],"_links":{"self":[{"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/posts\/7321","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/comments?post=7321"}],"version-history":[{"count":1,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/posts\/7321\/revisions"}],"predecessor-version":[{"id":7322,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/posts\/7321\/revisions\/7322"}],"wp:attachment":[{"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/media?parent=7321"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/categories?post=7321"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/tags?post=7321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}