10/26/2026
The most expensive scam in American business isn't dramatic hacking. It's an email about bank details.
A supplier you've worked with for years says their account has changed. The email looks perfect right logo, right signature, right writing style, because AI now matches how people actually write. Sometimes there's even a confirmation call, using a cloned voice.
Over $3 billion in reported US losses last year.
And the control that stops nearly all of it costs nothing: any change to payment details gets verified by calling the number you already had on file. Not the one in the email.
Three rules make it stick it applies to everyone including the boss, the person who checks isn't the person who pays, and nobody is ever penalized for the delay.
If urgency can skip the check, there is no check.