Artificial intelligence has changed the economics of cybercrime. Attacks that once required hours of research, specialized expertise, and high-value targets can now be launched against small businesses, community bank customers, and local institutions at an unprecedented scale. Join banking CTO John Kowal as he explores how AI is fueling more convincing impersonation scams, accelerating fraud, and creating new risks for banks and their customers. You'll leave with practical insights into what financial institutions should be doing today to prepare for a future where sophisticated attacks are no longer reserved for the largest targets.