This post was originally published on The FinTech Times
Starling Bank launched an AI-powered tool within its app to help customers spot the warning signs of purchase scams. The new tool, ‘Scam Intelligence’, is the first of its kind offered by a UK bank and allows customers to upload images of items, marketplace ads, and messages from sellers for analysis.
The feature, which is built with Google’s Gemini models in collaboration with Google Cloud, analyses the content for signs of fraud and provides personalised guidance to the customer in seconds. The tool is available starting today for all personal, joint, and business account customers.
How the AI tool works
The ‘Scam Intelligence’ tool is designed to intercept Authorised Push Payment (APP) fraud, which accounted for £450million of the £1.17billion lost to fraud in the UK in 2024.
Customers can upload an image of an item or listing from an online marketplace, or a screenshot of a text or message from a potential scammer asking for a money transfer. The tool uses Google’s Gemini models to understand the context of the images and text. Starling’s own proprietary systems then provide a risk assessment.
For example, if a customer uploads an ad for a bike on Facebook Marketplace, the tool might warn them that the price
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