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Artificial Intelligence (AI) and AI-agents: A Game-Changer for Both Cybersecurity and Cybercrime (By Anna Collard)

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Artificial Intelligence

The broader an AI’s reach through integrations and automation, the greater the potential threat of it going rogue, making robust oversight, security measures, and ethical AI governance essential in mitigating these risks

JOHANNESBURG, South Africa, March 3, 2025/APO Group/ —By Anna Collard, SVP Content Strategy & Evangelist KnowBe4 Africa (www.KnowBe4.com).

Artificial Intelligence is no longer just a tool—it is a gamechanger in our lives, our work as well as in both cybersecurity and cybercrime. While businesses leverage AI to enhance defences, cybercriminals are weaponising AI to make these attacks more scalable and convincing​.

In 2025, researchers forecast that AI agents, or autonomous AI-driven systems capable of performing complex tasks with minimal human input, are revolutionising both cyberattacks and cybersecurity defences. While AI-powered chatbots have been around for a while, AI agents go beyond simple assistants, functioning as self-learning digital operatives that plan, execute, and adapt in real time. These advancements don’t just enhance cybercriminal tactics—they may fundamentally change the cybersecurity battlefield.

How Cybercriminals Are Weaponising AI: The New Threat Landscape

AI is transforming cybercrime, making attacks more scalable, efficient, and accessible. The WEF Artificial Intelligence and Cybersecurity Report (2025)  (https://apo-opa.co/3QO7O7H) highlights how AI has democratised cyber threats, enabling attackers to automate social engineering, expand phishing campaigns, and develop AI-driven malware​. Similarly, the Orange Cyberdefense Security Navigator 2025 (https://apo-opa.co/3FfJZ6c) warns of AI-powered cyber extortion, deepfake fraud, and adversarial AI techniques. And the 2025 State of Malware Report by Malwarebytes (https://apo-opa.co/43lwZpY) notes, while GenAI has enhanced cybercrime efficiency, it hasn’t yet introduced entirely new attack methods—attackers still rely on phishing, social engineering, and cyber extortion, now amplified by AI. However, this is set to change with the rise of AI agents—autonomous AI systems capable of planning, acting, and executing complex tasks—posing major implications for the future of cybercrime.

Here is a list of common (ab)use cases of AI by cybercriminals:

AI-Generated Phishing & Social Engineering

Generative AI and large language models (LLMs) enable cybercriminals to craft more believable and sophisticated phishing emails in multiple languages—without the usual red flags like poor grammar or spelling mistakes. AI-driven spear phishing now allows criminals to personalise scams at scale, automatically adjusting messages based on a target’s online activity. AI-powered Business Email Compromise (BEC) scams are increasing, as attackers use AI-generated phishing emails sent from compromised internal accounts to enhance credibility​. AI also automates the creation of fake phishing websites, watering hole attacks and chatbot scams, which are sold as AI-powered crimeware as a service’ offerings, further lowering the barrier to entry for cybercrime​.

Deepfake-Enhanced Fraud & Impersonation

Deepfake audio and video scams are being used to impersonate business executives, co-workers or family members to manipulate victims into transferring money or revealing sensitive data. The most famous 2024 incident was UK based engineering firm Arup (https://apo-opa.co/4h56I27) that lost $25 million after one of their Hong Kong based employees was tricked by deepfake executives in a video call. Attackers are also using deepfake voice technology to impersonate distressed relatives or executives, demanding urgent financial transactions.

Cognitive Attacks

Online manipulation—as defined by Susser et al. (2018) (https://apo-opa.co/4h8qxpw) —is “at its core, hidden influence — the covert subversion of another person’s decision-making power”. AI-driven cognitive attacks are rapidly expanding the scope of online manipulation, leveraging digital platforms and state-sponsored actors increasingly use generative AI to craft hyper-realistic fake content, subtly shaping public perception while evading detection. These tactics are deployed to influence elections, spread disinformation, and erode trust in democratic institutions. Unlike conventional cyberattacks, cognitive attacks don’t just compromise systems—they manipulate minds, subtly steering behaviours and beliefs over time without the target’s awareness. The integration of AI into disinformation campaigns dramatically increases the scale and precision of these threats, making them harder to detect and counter.

The Security Risks of LLM Adoption

Beyond misuse by threat actors, business adoption of AI-chatbots and LLMs introduces their own significant security risks—especially when untested AI interfaces connect the open internet to critical backend systems or sensitive data. Poorly integrated AI systems can be exploited by adversaries and enable new attack vectors, including prompt injection, content evasion, and denial-of-service attacks. Multimodal AI expands these risks further, allowing hidden malicious commands in images or audio to manipulate outputs.

Additionally, bias within LLMs poses another challenge, as these models learn from vast datasets that may contain skewed, outdated, or harmful biases. This can lead to misleading outputs, discriminatory decision-making, or security misjudgments, potentially exacerbating vulnerabilities rather than mitigating them. As LLM adoption grows, rigorous security testing, bias auditing, and risk assessment are essential to prevent exploitation and ensure trustworthy, unbiased AI-driven decision-making.

When AI Goes Rogue: The Dangers of Autonomous Agents

The integration of AI into disinformation campaigns dramatically increases the scale and precision of these threats, making them harder to detect and counter

With AI systems now capable of self-replication, as demonstrated in a recent study (https://apo-opa.co/4i7HgdN), the risk of uncontrolled AI propagation or rogue AI—AI systems that act against the interests of their creators, users, or humanity at large – is growing. Security and AI researchers have raised concerns that these rogue systems can arise either accidentally or maliciously, particularly when autonomous AI agents are granted access to data, APIs, and external integrations. The broader an AI’s reach through integrations and automation, the greater the potential threat of it going rogue, making robust oversight, security measures, and ethical AI governance essential in mitigating these risks.

The future of AI Agents for Automation in Cybercrime

A more disruptive shift in cybercrime can and will come from AI Agents, which transform AI from a passive assistant into an autonomous actor capable of planning and executing complex attacks. Google, Amazon, Meta, Microsoft, and Salesforce are already developing Agentic AI for business use, but in the hands of cybercriminals, its implications are alarming. These AI agents can be used to autonomously scan for vulnerabilities, exploit security weaknesses, and execute cyberattacks at scale. They can also allow attackers to scrape massive amounts of personal data from social media platforms and automatically compose and send fake executive requests to employees or analyse divorce records across multiple countries to identify individuals for AI-driven romance scams, orchestrated by an AI agent. These AI-driven fraud tactics don’t just scale attacks—they make them more personalised and harder to detect. Unlike current GenAI threats, Agentic AI has the potential to automate entire cybercrime operations, significantly amplifying the risk​.

How Defenders Can Use AI & AI Agents

Organisations cannot afford to remain passive in the face of AI-driven threats and security professionals need to remain abreast of the latest development. Here are some of the opportunities in using AI to defend against AI:

AI-Powered Threat Detection and Response:

Security teams can deploy AI and AI-agents to monitor networks in real time, identify anomalies, and respond to threats faster than human analysts can. AI-driven security platforms can automatically correlate vast amounts of data to detect subtle attack patterns that might otherwise go unnoticed, create dynamic threat modelling, real-time network behaviour analysis, and deep anomaly detection​. For example, as outlined by researchers of Orange Cyber Defense (https://apo-opa.co/3FfJZ6c), AI-assisted threat detection is crucial as attackers  increasingly use “Living off the Land” (LOL) techniques that mimic normal user behaviour, making it harder for detection teams to separate real threats from benign activity. By analysing repetitive requests and unusual traffic patterns, AI-driven systems can quickly identify anomalies and trigger real-time alerts, allowing for faster defensive responses.

However, despite the potential of AI-agents, human analysts still remain critical, as their intuition and adaptability are essential for recognising nuanced attack patterns and leverage real incident and organisational insights to prioritise resources effectively.

Automated Phishing and Fraud Prevention:

AI-powered email security solutions can analyse linguistic patterns, and metadata to identify AI-generated phishing attempts before they reach employees, by analysing writing patterns and behavioural anomalies. AI can also flag unusual sender behaviour and improve detection of BEC attacks​. Similarly, detection algorithms can help verify the authenticity of communications and prevent impersonation scams. AI-powered biometric and audio analysis tools detect deepfake media by identifying voice and video inconsistencies. *However, real-time deepfake detection remains a challenge, as technology continues to evolve.

User Education & AI-Powered Security Awareness Training:

AI-powered platforms (e.g., KnowBe4’s AIDA) deliver personalised security awareness training, simulating AI-generated attacks to educate users on evolving threats, helping train employees to recognise deceptive AI-generated content​ and strengthen their individual susceptility factors and vulnerabilities.

Adversarial AI Countermeasures:

Just as cybercriminals use AI to bypass security, defenders can employ adversarial AI techniques, for example deploying deception technologies—such as AI-generated honeypots—to mislead and track attackers, as well as continuously training defensive AI models to recognise and counteract evolving attack patterns.

Using AI to Fight AI-Driven Misinformation and Scams:

AI-powered tools can detect synthetic text and deepfake misinformation, assisting fact-checking and source validation. Fraud detection models can analyse news sources, financial transactions, and AI-generated media to flag manipulation attempts​. Counter-attacks, like shown by research project Countercloud (https://apo-opa.co/3Xp1RSs) or O2 Telecoms AI agent “Daisy” (https://apo-opa.co/4h15eGp) show how AI based bots and deepfake real-time voice chatbots can be used to counter disinformation campaigns as well as scammers by engaging them in endless conversations to waste their time and reducing their ability to target real victims​.

In a future where both attackers and defenders use AI, defenders need to be aware of how adversarial AI operates and how AI can be used to defend against their attacks. In this fast-paced environment, organisations need to guard against their greatest enemy: their own complacency, while at the same time considering AI-driven security solutions thoughtfully and deliberately. Rather than rushing to adopt the next shiny AI security tool, decision makers should carefully evaluate AI-powered defences to ensure they match the sophistication of emerging AI threats. Hastily deploying AI without strategic risk assessment could introduce new vulnerabilities, making a mindful, measured approach essential in securing the future of cybersecurity.

To stay ahead in this AI-powered digital arms race, organisations should:

✅Monitor both the threat and AI landscape to stay abreast of latest developments on both sides.

✅ Train employees frequently on latest AI-driven threats, including deepfakes and AI-generated phishing.
✅ Deploy AI for proactive cyber defense, including threat intelligence and incident response.
✅ Continuously test your own AI models against adversarial attacks to ensure resilience.

Distributed by APO Group on behalf of KnowBe4

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Africa Launches the First Pan-African Pact for Insurance Inclusion

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400 decision-makers gathered in Cotonou to accelerate access to insurance and contribute to doubling insurance penetration by 2040

DAKAR, Senegal, June 23, 2026/APO Group/ –Faced with a major paradox representing nearly 19% of the world’s population while accounting for less than 1% of global insurance premiums African insurance stakeholders are mobilizing.

 

From July 6 to 8, 2026, the Federation of African National Insurance Companies (FANAF) will organize the General Assembly on Insurance for All at the Sofitel Hotel in Cotonou, Benin, a major pan-African gathering dedicated to inclusive insurance.

The event will bring together nearly 400 African decision-makers from governments, regulatory and supervisory authorities, insurance and reinsurance companies, financial institutions, development banks, technical and financial partners, as well as professional organizations from across the continent.

The ambition is clear: to foster a shared vision and concrete commitments aimed at accelerating access to insurance for African populations while strengthening the sector’s contribution to the continent’s economic and social development priorities.

The discussions will culminate in the adoption of the Pan-African Pact for Insurance Inclusion and a 2026–2030 Strategic Action Plan, designed to structure collective action around an ambitious objective: contributing to the doubling of insurance penetration across the FANAF region by 2040.

An Economic, Social and Development Imperative

Within the CIMA zone, insurance penetration remains below 1% of GDP, compared to more than 6% globally.

As a result, millions of households, farmers, entrepreneurs, SMEs and informal sector actors remain deprived of essential protection mechanisms against health, climate, economic and social risks.

For FANAF, this reality now constitutes a major development challenge.

Africa cannot build sustainable growth without strengthening protection mechanisms for its populations, businesses and investments

“Africa cannot build sustainable growth without strengthening protection mechanisms for its populations, businesses and investments. The Cotonou General Assembly must mark the starting point of a new continental ambition for African insurance and its role in the continent’s economic transformation,” said Mamadou Koné, President of FANAF.

Beyond Insurance: A Driver of Continental Transformation

For FANAF, insurance is no longer merely a risk coverage mechanism. It is also a strategic lever for economic resilience, savings mobilization, investment security, SME financing, support for climate transitions and the strengthening of financial inclusion.

Through this General Assembly, FANAF seeks to reposition insurance as a key stakeholder in Africa’s economic, social and financial transformation.

A Pact to Accelerate Action

The conclusions of the General Assembly will lead to the adoption of the Pan-African Pact for Insurance Inclusion, a reference framework intended to mobilize governments, regulators, market players, financial institutions and development partners around shared objectives.

The Pact will be accompanied by a 2026–2030 Strategic Action Plan defining priority intervention areas, coordination mechanisms and monitoring arrangements for the commitments undertaken.

A broad mobilization of public, private and financial partners will support its implementation in order to translate commitments into tangible results for African populations and economies.

Cotonou 2026: Building a Shared Vision

Beyond the insurance sector, the General Assembly aims to create an unprecedented platform for dialogue between governments, regulators, investors, financial institutions, technical partners and market actors in order to identify the levers needed to accelerate insurance inclusion across the continent.

Holding this event in Benin reflects the country’s broader economic and financial transformation momentum and illustrates the collective determination of African stakeholders to develop solutions tailored to the continent’s realities.

Through this initiative, FANAF intends to make Cotonou 2026 a defining moment for the future of African insurance and the starting point of a lasting continental mobilization in favor of insurance inclusion.

Distributed by APO Group on behalf of Fédération des Sociétés d’Assurances de Droit National Africaines (FANAF).

 

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Flat6Labs and International Finance Corporation (IFC) Launch StartAlgeria, a Capacity-Building Program Designed to Empower the Organizations Progressing Algeria’s Startup Ecosystem

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StartAlgeria comes at a key moment for Algeria’s entrepreneurship landscape, shifting the focus toward improving how the ESOs operate by providing them with international best practices

ALGIERS, Algeria, June 23, 2026/APO Group/ –Flat6Labs (www.Flat6Labs.com) and IFC in collaboration with the Ministry of Knowledge Economy, Startups and Micro-Enterprises are launching StartAlgeria, a capacity-building program that puts Entrepreneur Support Organizations (ESOs) at the forefront of Algeria’s ecosystem future. The program is designed to equip Algerian ESOs reinforcing pre-seed and seed-stage startups with the expertise, frameworks, and networks needed to contribute to a stronger, more competitive entrepreneurship ecosystem in Algeria and expand into global markets.

 

StartAlgeria comes at a key moment for Algeria’s entrepreneurship landscape, shifting the focus toward improving how the ESOs operate by providing them with international best practices adapted to each organization’s needs, a community-driven approach that focuses on peer learning, and facilitating connections with investors, policymakers, and key stakeholders.

Algeria’s entrepreneurial community is among the most dynamic and vibrant in the region, and the potential is not just real, it is ready to scale

StartAlgeria will pilot a first cohort focusing on incubators in the capital, Algiers. Following a call for application, the selected ESOs will go through a structured program comprising workshops and masterclasses covering key areas such as startup selection, program design and delivery, and investment readiness. In addition to the core program, participating ESOs will benefit from 6months of post-program mentorship, focusing on areas such as fundraising strategy, partnership development, financial sustainability, and program improvement. This sustained engagement’s goal is to provide a lasting impact in how Algerian ESOs operate and what they’re able to offer the startups they champion.

Yehia Houry, CEO of Flat6Labs, shares “Algeria’s startup ecosystem is demonstrating remarkable potential and a rapidly growing level of maturity, driven by an ambitious new generation of founders, increasing institutional support, and a strong national commitment to innovation and entrepreneurship. The opportunity today lies in further empowering entrepreneurship support organizations to match this momentum by strengthening their ability to identify and nurture high-potential startups, deliver impactful and results-driven programs, and create stronger connections between entrepreneurs and sources of capital. With the right support structures in place, Algeria is well positioned to become one of the leading innovation hubs in the region.”

“Algeria’s entrepreneurial community is among the most dynamic and vibrant in the region, and the potential is not just real, it is ready to scale. Through StartAlgeria, we are committed to ensuring that the organizations standing behind founders are equipped with the tools, frameworks, and expertise to take them from early ideas to investment-ready ventures. This program is a direct expression of IFC’s long-term confidence in Algeria’s private sector and in the ecosystem’s capacity to produce the next generation of high-impact companies.” underscored Cemile Hacibeyoglu Ceren, WBG Resident Representative in Algeria.

“The launch of StartAlgeria marks an important step in reinforcing Algeria’s startup support ecosystem. By strengthening the capabilities of Entrepreneur Support Organizations, we are investing in the long-term growth, resilience, and international competitiveness of Algerian startups. This initiative reflects our shared ambition to build a dynamic innovation-driven economy and create new opportunities for entrepreneurs across the country,” said H.E Mr. Noureddine Ouadah, Minister of Knowledge Economy, Startups and Micro-Enterprises.

This IFC program is implemented in partnership with the Government of the Netherlands.

Distributed by APO Group on behalf of Flat6Labs.

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Hong Kong unlocks new opportunities with Central Asia

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HONG KONG SAR – Media OutReach Newswire – 23 June 2026 – Led by Chief Executive of the Hong Kong Special Administrative Region (HKSAR), John Lee, a high-level delegation visit to Kazakhstan and Uzbekistan (May 31 – June 5) is already paying dividends, forging fresh opportunities to deepen ties between Central Asia, Hong Kong and the Chinese Mainland.

The business delegation comprised over 70 representatives from Hong Kong and Mainland enterprises of various sectors.

During the visit, 96 bilateral memoranda of understanding and agreements were reached, including a total of 15 co-operation documents at the government level between Kazakhstan and Uzbekistan respectively.

“The examples of agreements and co-operation are just so abundant that they range from the service sector to heavy industries such as mining and infrastructure development,” Mr Lee said. “I think the sky is the limit.”

The multiple outcomes achieved during the trip demonstrate Hong Kong’s role as a functional platform for the Belt and Road (B&R) Initiative, as the city actively plays its roles as a “super connector” and “super value-adder” to promote broader and deeper co-operation between the two places and establish a hub-to-hub co-operation model.

“Kazakhstan is an important commercial and logistics hub connecting China and Europe. It is also the place where the Belt and Road Initiative was first proposed, and is Hong Kong’s largest trading partner in Central Asia. There are broad prospects for further co-operation,” Mr Lee said, adding that a lot of B&R projects are also being pursued in Uzbekistan.

“For example, Uzbekistan sits in the heart of the corridor of Asia and Europe, so logistical development, railway development, and also how we can complement and supplement each other in cargo handling will be an area for a very wide range of co-operation.”

The Chief Executive also encouraged companies in Central Asia to leverage Hong Kong’s advantages under the “one country, two systems” principle.

“Under this unique principle, Hong Kong has its own economic, social, legal, legislative and judicial systems. We are the only common law jurisdiction in China. We have our own currency, with no capital or foreign exchange controls. We are, as well, a separate customs territory,” Mr Lee said.

Building on the positive outcomes from the delegation’s mission to Central Asia, Mr Lee welcomed the Deputy Prime Minister of Kazakhstan, Kanat Bozumbayev, to Hong Kong (June 10) and they both attended the Alatau City Investment Round Table (June 11).

Speaking at the event, Mr Lee said Hong Kong could contribute to the future success of Kazakhstan’s innovative, high-tech Alatau City in three concrete ways: as a gateway to global capital; a gateway to the Chinese Mainland and the Greater Bay Area; and as a partner in talent and technology.

“We share a development vision with Alatau City and Kazakhstan,” Mr Lee said, “Today, right here, right now, is a golden opportunity to bring our two economies closer together.”

He looked forward to Hong Kong and Kazakhstan achieving complementary advantages and co-ordinated development across different sectors and welcomed enterprises in Kazakhstan to make good use of Hong Kong’s premier financial and innovation and technology platforms, as well as its world-leading professional services, to explore more business opportunities.

 

 

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