A new report by Visa has identified AI-powered scams as the biggest threat to digital payments, with criminals increasingly exploiting human trust rather than technical systems.

• Nearly $1 billion (Sh160 billion) was linked to scam-related activity from July to December 2025.
• Visa, identified this trend that is also affecting Kenya's rapidly expanding digital financial services sector.
• The shift highlights a growing vulnerability in human trust, amplified by AI tools making scams more convincing and scalable.