Tech
How the fraud protection system is wrongly brandishing thousands of innocent banking customers
Hundreds of thousands of unsuspecting banking customers could be unknowingly slapped with a fraud marker without even knowing about it.
Financial crime expert Jeremy Asher reveals in his new comprehensive book about the devastating toll that ordinary and, crucially, innocent, people can suffer when wrongly labeled as being linked with fraud.
With university students returning to campuses this week, Asher warns that they are particularly vulnerable to fraud due to financial inexperience.
The rampant growth in fraud-related crime means that two in five criminal offenses are fraud-related, costing the UK economy billions each year.
In response, a public-private defense system has been developed, but a vital part of it involves issuing so-called fraud markers onto individuals and their accounts where a potentially fraudulent transaction or application has been made.
But ordinary banking customers risk being incorrectly labeled with fraud markers, and often only find out when problems with their accounts emerge or requests for loans or credit fail.
This punishment can occur even if a third-party makes an error on an individual’s behalf, or even if a criminal sets up a fake business using someone else’s real identity.
What’s more, trying to get fraud markers removed can push people to the brink, with some even considering ending their own lives.
Huge problem
Around 2 million fraud markers were in effect in 2022 via Cifas, the Credit Industry Fraud Avoidance System, one of the main systems through which fraud markers are delivered.
In-depth research by Asher reveals that in 2022 Cifas itself upheld nearly 17% of the 868 requests to remove its markers, which he believes could mean several hundred thousand markers have been “incorrectly loaded and are unfair.”
The impact on individuals can be significant, with Asher stating that many of his clients seldom discuss the issue publicly even if they have successfully had fraud markers removed.
That’s because of the social stigma they fear due to being the subject of a fraud marker.
Several case studies in Asher’s book bring to life the stress and hardship caused when fraud markers are incorrectly loaded against people.
Issues range from difficulties securing finance through to a heart-wrenching example of a female victim of domestic abuse, whose repeated efforts to prove her innocence continually fell on deaf ears.
“Her mental health declined and following a desperate call from her in which I was left in no doubt that she was about to attempt suicide I called the police who thankfully went to her immediate assistance,” Asher says.
“She did not have the stomach to take her appeal further.”
Easy come, difficult go
A significant issue with fraud markers is how easily they can be applied but how difficult, or sometimes even impossible, they are to have removed.
Asher states that many of the cases he takes on for people wrongly given fraud markers “would not have come to my attention had a criminal standard of proof been applied and thorough investigations taken place.”
He criticizes the move to lower the standard of proof that organizations need to jump, likening it to reducing it to a civil level even though the victim is essentially being accused of a criminal offense.
“[Fraud markers] are akin to the type of fixed penalty notices that are imposed in the criminal justice system, such as by the police in relation to minor motoring offenses,” Asher said.
“However, there are important distinctions, not least that fraud markers are issued without notice, they are secretive, and there is no right to judicial oversight at the time a marker is loaded.”
Asher notes that while a speeding driver can challenge the evidence, accept the proposed penalty, seek an alternative penalty (like a speed awareness course) or ask a court to decide their guilt, the recipient of a fraud marker is offered no such routes.
“The punishment aspect of fraud markers is through the subject being barred from obtaining mainstream credit and banking facilities or by having to pay a premium should they be lucky enough to find an organization willing to accept the higher risk posed,” Asher added.
Post Office parallels
Trying to appeal a fraud marker is ‘anything but straightforward,” according to Asher, who notes the injustices against ‘genuinely innocent’ people is likely to be wider than that caused by the Post Office Horizon scandal.
In an echo of the Post Office saga, organizations that load fraud markers are essentially the notional judge, jury and executioner.
“The concept of fair banking is more concerned with ensuring that the products and services offered by financial organizations are fair,” Asher states.
“As demonstrated, fraud markers are loaded and policed by private organizations, with some organizations paying little regard to common notions of justice and fairness.
“Their decisions can be unfair, cruel even. I am concerned at the level of injustice I see every day.”
The book contains information about how the various databases operate, and explains how and why they were developed to help combat the rise of fraud and money laundering in the UK.
More information:
Jeremy Asher, Fraud Markers, De-banking, and Financial Crime, (2025). DOI: 10.4324/9781003588542
Citation:
How the fraud protection system is wrongly brandishing thousands of innocent banking customers (2025, September 25)
retrieved 25 September 2025
from https://techxplore.com/news/2025-09-fraud-wrongly-brandishing-thousands-innocent.html
This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no
part may be reproduced without the written permission. The content is provided for information purposes only.
Tech
My Robot Vacuum Is My Only Friend
Every single day—weekend, weekday, rain or shine—whichever robot vacuum I’m currently testing starts running at 9 am. It’s always a good sign. I heave a sigh of relief and continue with whatever else I was doing, content that at least that f*cking chore in my house is getting done.
When I first started testing robot vacuums eight years ago, it sometimes seemed like more trouble than it was worth. I cleaned up the floor. I meticulously maintained the different sensors. Now I just don’t care. (I mean, yes, I do care, robot vacuum manufacturers, I just care slightly less.) Even if it gets tripped up on my daughter’s latest knitting project, or it can’t mop the kitchen because I haven’t emptied the water tank. Just go, little soldier, go.
Robot vacuums are so much smarter now. They can navigate through many more surprising minefields of Lego bricks, stuffed animals, or piles of shoes than you might have expected even two or three years ago. As a working parent with two elementary-school-aged kids and a dog, I need all the help I can get. Maybe it will clean the whole house; maybe it will only clean up 50 or 65 percent of it. But as someone who is constantly fighting chaos, consistency is what counts.
It’s a Miss
It took a while for me to reach this Zen state (and also to collect enough robot vacuums to have an army running in every room and floor of my house). Based on my years of talking to many families (and trying to foist used robot vacuums on them), these are a few reasons why a robot vacuum might not be worth it for you.
- You live in a small space. If it only takes you an hour or so to vacuum, why bother?
- Your home has a complicated layout. A lot of 1970s homes have strange, complicated designs—a sunken living room, a playroom that’s up a few stairs, bedrooms upstairs. Although stair-climbing vacuums are on the way, for now, it’s not worth carrying a vacuum from room to room.
- You have rugs with weird tassels. The 1970s were bad for robot vacuums. Shag carpeting is also bad, as is a lot of low furniture.
- You hate maintenance. You really can’t stand emptying the fussy little dust bag or refilling the water container. I’m going to say here that you probably have other problems that need addressing before getting a robot vacuum.
Even I don’t rely solely on a robot vacuum to keep my house clean. I also have a Dyson stick vacuum, a carpet cleaner, and a regular broom and mop in a closet. If my kid spills a bunch of flour under the counter while she’s making pancakes, I’m not going to pull out my phone, open the app, and watch a robot vacuum slowly trundle over to spot-clean it.
It’s also not great for deep-cleaning. No matter how much a company hypes up a robot’s suction power, it will just never be as thorough as even the smallest hand vacuum. It’s just physics. A robot vacuum’s motor and battery are smaller.
Even the best navigation system cannot accommodate everything that happens in a crazy, dynamic environment with a bunch of gremlins and animals running around. If I have people coming over, I still have to walk around and do things like put away cushion forts and pick up the shreds of a log that my dog decided to pluck off the woodpile and bring into the house to gnaw in the warmth and comfort of the living room.
Tech
Your chatbot doesn’t love you: The ‘illusion’ of social AI
Every day, millions of people talk to chatbots and AI assistants such as ChatGPT, Replika and Gemini, but what kind of “relationships” are we really forming with them?
In a special issue of the journal New Media & Society, Dr. Iliana Depounti (Loughborough University) and Associate Professor Simone Natale (University of Turin) explore the rise of “artificial sociality”—technologies that simulate social behavior and emotional connection without actually possessing them.
Their article, “Decoding Artificial Sociality: Technologies, Dynamics, Implications,” reveals a number of issues associated with the rise of Large Language Models (LLMs) and AI chatbots.
It argues that the illusion of friendship or understanding created by AI is being deliberately cultivated by technology companies to increase user engagement, such as Spotify’s “AI DJ” with a friendly human voice and Replika’s “virtual companion” chatbots.
Dr. Depounti said, “Companion generative AI bots such as Replika or Character AI exemplify artificial sociality technologies.
“They are created to foster emotional projection, offering users intimacy and companionship through features like avatars, role-playing, customization and gamification—all with monetary benefits for the companies that design them.
“ChatGPT, too, uses artificial sociality techniques, from referring to itself as ‘I’ to adopting tones of authority, empathy or expertise.
“Though these systems simulate sociality rather than recreate it, their power lies in that simulation—in their ability to engage, persuade and emotionally move millions of users worldwide, raising deep ethical questions.”
The study shows how social cues are engineered into products to keep people interacting longer.
Other issues include:
- Machines only imitate social behavior, but users still project feelings, trust and empathy onto them.
- User data and emotional labor are exploited to train and “personalize” AI systems, raising ethical and environmental concerns about hidden human work and massive data-center energy use.
- Bias and stereotypes in AI systems mirror social inequalities, shaping how gender, class and race are represented in digital conversations.
- Users adapt to AI “companions” through what researchers call “re-domestication”—renegotiating relationships every time a chatbot’s personality or behavior changes.
- The line between authenticity and deception is becoming blurred as AI personalities are marketed as “friends,” “co-workers” or even “influencers.”
Dr. Natale said, “Artificial sociality is the new frontier of human–machine communication in our interactions with generative AI technologies.
“These systems don’t feel, but they are designed to make us feel, and that emotional projection has profound social, economic and ethical consequences. Artificial sociality technologies invite and encourage these projections.”
Behind these apparently effortless conversations, the researchers warn, lies a vast infrastructure of human and environmental cost.
AI models rely on huge datasets drawn from people’s online interactions and often from their conversations with the machines themselves.
This data is then used to “train” chatbots to sound more human—sometimes with users unknowingly performing unpaid emotional or linguistic labor.
At the same time, the servers powering generative AI consume enormous amounts of electricity and water.
The authors highlight a $500 billion investment by major tech firms in new data centers to meet AI demand, describing it as part of an “extractive” system that turns human communication into corporate assets.
More information:
Iliana Depounti et al, Decoding Artificial Sociality: Technologies, Dynamics, Implications, New Media & Society (2025). DOI: 10.1177/14614448251359217
Citation:
Your chatbot doesn’t love you: The ‘illusion’ of social AI (2025, November 12)
retrieved 12 November 2025
from https://techxplore.com/news/2025-11-chatbot-doesnt-illusion-social-ai.html
This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no
part may be reproduced without the written permission. The content is provided for information purposes only.
Tech
Top HBO Max Promo Codes for November 2025
HBO Max is not just for The Sopranos anymore (but it is the only place to stream The Sopranos). Subscription video service HBO Max not only has The Sopranos, but other content from the best entertainment libraries, including: Warner Bros., Discovery Channel, CNN, Cartoon Network, Adult Swim, Animal Planet, and other brands.
We at WIRED also watch a lot of content—obviously, because we are always testing TVs, soundbars, and streaming devices—and regularly round up our newest favorites from HBO Max so that you’ll know what to watch once you nab an HBO Max promo code. Whether you’re wanting to watch an HBO original series like Succession or a smash hit movie like Barbie, HBO Max has the content you’re looking for, and WIRED has the perfect promo codes to help you save on these sometimes-pricey subscription plans.
50% Off HBO Max Promo Code for Students
Students rejoice, you don’t have to try to mooch off your friends’ parents’ HBO Max subscriptions anymore when you want to rewatch Euphoria for the 15th time (…not speaking from personal experience or anything). HBO Max is offering a Student Discount, where you can save and get 50% off subscriptions with a promo code. This means the price is only $5 a month. This discounted plan is eligible for The HBO Max Basic With Ads monthly plan, so you’ll get unlimited access to all of HBO, hit series, movies, news, sports, and more on up to two devices at once.
Save 35% by Bundling HBO Max, Disney+ and Hulu
This deal is honestly one of the best I’ve ever seen, and I’ve been thinking of switching as well, because with this Magic Bundle, you can get HBO Max, Disney+, and Hulu for just $17 a month. (which is crazy because I pay that much alone for my Hulu! Again, I’m convincing myself while writing this that I should switch to this plan.) This crazy good deal is for those three streaming services with ads, but you’ll be saving 35% on the original price. If you’re impatient like me, you can get the same deal without ads for $30 a month, which is definitely higher than with ads but you’re still saving almost $19 a month with this Evergreen deal.
HBO Max Deals: Save up to $41
Like other streaming services, HBO Max has different tiers at different prices for streaming, so you can choose which one fits you (or your “household;” wink) best. Basic with ads allows you to stream on two devices at once in full HD for $10 a month. Standard is midrange, where you get everything from the previous basic plus 30 available downloads so you can watch on the go, for $17 a month. If you are impatient and a movie/TV buff, you might want to choose the premium, where you can stream on four devices at once, have 4k Ultra HD video quality, Dolby Atmos immersive audio, and 100 downloads to watch on the go for $21 a month.
HBO Max November 2025 New Shows and Films
HBO Max is known for being one of the most heralded platforms in entertainment. These new shows and films on HBO Max are sure to be a hit too. We’re most excited for Task, a new series set in the working-class suburbs of Philadelphia, where an FBI agent heads a task force aiming to end the violent robberies led by an unsuspecting family man. There’s also a new GOT-spin off series, A Knight of the Seven Kingdoms, premiering January 18. Taking place a century before the events of Game of Thrones, set in an age when the Targaryen line still holds the Iron Throne and the last dragon has not yet passed from living memory. There’s also Chair Company from the oddball mind of Tim Robinson, and IT: Welcome to Derry, a spin off set in the IT universe for fans of horror.
Stream Sports Games for Free With Your HBO Max Subscription
As an added bonus, you can also stream live sports through the B/R Sports add-on at no extra cost. This includes super popular events from the NBA, NHL, March Madness, MLB, U.S. Soccer, Bellator, and premier cycling events. Act soon though, because after the promo period, the add-on will be available for $10 a month.
Watch Your Favorite Shows on HBO Max for Free
Because HBO knows how tempting (and sexy) teasing can be, folks can sample episodes of new and fan-favorite original steamy series, like Euphoria, Industry, or The Idol for free without a subscription. When you inevitably get hooked (too soon after the Euphoria reference?) on that sweet, sweet content, you’ll need an HBO Max subscription to stream the full library. To continue to tease, you can stream nearly endless options, like House of the Dragon from the wildly popular Game of Thrones series, Dune, and my personal faves: The Last of Us, The Penguin, and Hacks, right now. Hurry, you don’t want to miss out on the shows everyone is talking about around the proverbial water cooler.
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