"The growth of digital payments helped millions of legitimate businesses move online fast and gave people a convenient, safe way to shop from home. But the same tools that help a real merchant launch quickly also made it simpler for criminals to set up fake storefronts. Technology like generative AI has made it even harder for consumers to detect them, thanks to deepfake videos from non-existent satisfied customers, rafts of testimonials generated from a single prompt and professional-grade websites and ads."