Cloned Banks
Evolution of the Scam
We are no longer just fighting a video or a voice clip. We are fighting Agentic AI. These are capable of reasoning and taking action.
Terry Lawrence
January 18, 2026
We are no longer just fighting a video or a voice clip. We are fighting Agentic AI. These are capable of reasoning and taking action.
Cybercrime is a streamlined, industrialized business. Scammers use a sophisticated suite of tools—many of them repurposed legitimate software—to identify, manipulate, and exploit victims at scale.
To protect yourself, it helps to understand the “tech stack” behind the fraud.
Our fascination with clones is ultimately a mirror held up to our own humanity. We fall for them because we are desperate for connection, but we reject them because we are even more desperate to remain unique.
savings-hsbc.com (Clone of FCA authorised firm) – Website is now offline.
