ESMA – AI and Online Financial Fraud and Scams
Released on 15 December 2025, the ESMA factsheet explains how artificial intelligence is reshaping the fraud landscape through: - audio and video deepfakes, - voice cloning, - highly personalised phishing, - fake websites and documents that closely replicate legitimate institutions.
About the author
Cécile Henry
Regulatory and compliance expert at Seqlense. Cécile authors every Seqlense Note — bringing hands-on experience and a pragmatic approach to regulatory analysis, with a focus on real operational impact rather than abstract theory. Her work covers French, Luxembourg and Belgian regulators, EU frameworks (MiCA, DORA, AML), and the operational reality of compliance in financial services and crypto.
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