{"id":12645,"date":"2024-08-22T17:34:24","date_gmt":"2024-08-22T14:34:24","guid":{"rendered":"https:\/\/www.kaspersky.com.tr\/blog\/?p=12645"},"modified":"2024-08-22T17:34:24","modified_gmt":"2024-08-22T14:34:24","slug":"how-deepfakes-threaten-kyc","status":"publish","type":"post","link":"https:\/\/www.kaspersky.com.tr\/blog\/how-deepfakes-threaten-kyc\/12645\/","title":{"rendered":"Doland\u0131r\u0131c\u0131lar deepfake kullanarak m\u00fc\u015fteri kimlik do\u011frulamas\u0131n\u0131 nas\u0131l atlat\u0131yor?"},"content":{"rendered":"

\u0130nsanl\u0131k, \u00fcretken yapay zekaya yat\u0131r\u0131lan y\u00fcz milyarlarca dolar\u0131<\/a> nas\u0131l telafi edece\u011fini bulmaya \u00e7al\u0131\u015f\u0131rken, siber su\u00e7lular bu teknolojiyi benimsemeye ba\u015flad\u0131 bile. \u00d6rne\u011fin, yapay zeka ile sanal para kat\u0131rlar\u0131<\/a> (\u00e7al\u0131nan fonlar\u0131 transfer etmek i\u00e7in kullan\u0131lan sahte hesaplar) yarat\u0131labilece\u011fini ke\u015ffettiler. Deepfake\u2019ler; su\u00e7lular\u0131n finans kurumlar\u0131 taraf\u0131ndan kullan\u0131lan m\u00fc\u015fteri kimlik do\u011frulama (KYC, M\u00fc\u015fterini Tan\u0131) prosed\u00fcrlerini ba\u015far\u0131l\u0131 bir \u015fekilde atlamalar\u0131na olanak tan\u0131yarak, canl\u0131 su\u00e7 ortaklar\u0131na olan ihtiyac\u0131 ortadan kald\u0131r\u0131yor. \u015eimdi ayr\u0131nt\u0131lara ge\u00e7elim.<\/p>\n

KYC nedir?<\/h2>\n

KYC prosed\u00fcr\u00fc; doland\u0131r\u0131c\u0131l\u0131k, kara para aklama, vergi ka\u00e7ak\u00e7\u0131l\u0131\u011f\u0131, ter\u00f6rizmin finansman\u0131 vb. bir\u00e7ok yasa d\u0131\u015f\u0131 finansal faaliyetle m\u00fccadele etmek i\u00e7in kullan\u0131lan, m\u00fc\u015fterinin kimli\u011fini do\u011frulamaya y\u00f6nelik bir finans sekt\u00f6r\u00fc uygulamas\u0131d\u0131r.<\/p>\n

Daha spesifik olarak KYC; genellikle tamamen uzaktan al\u0131nan hizmetler i\u00e7in; yani bir m\u00fc\u015fteri, finans kurumu \u00e7al\u0131\u015fanlar\u0131yla herhangi bir ki\u015fisel temas olmadan \u00e7evrimi\u00e7i \u015fekilde kay\u0131t ger\u00e7ekle\u015ftirdi\u011fi zaman uygulanan biyometrik kimlik do\u011frulama sistemlerini ifade eder.<\/p>\n

Bu prosed\u00fcr genellikle m\u00fc\u015fterinin belgelerinin foto\u011fraflar\u0131n\u0131 y\u00fcklemesini ve s\u0131kl\u0131kla da belgeleri tutarak bir selfie \u00e7ekmesini gerektirir. Hatta son zamanlarda, m\u00fc\u015fteriden ak\u0131ll\u0131 telefon kameras\u0131n\u0131 a\u00e7mas\u0131 ve talimatlar\u0131 izleyerek ba\u015f\u0131n\u0131 farkl\u0131 y\u00f6nlere \u00e7evirmesi istenilen ek bir g\u00fcvenlik \u00f6nlemi de pop\u00fcler hale gelmeye ba\u015flad\u0131.<\/p>\n

Bu y\u00f6ntem bazen i\u015flemleri do\u011frulamak i\u00e7in kullan\u0131lsa da, genellikle bir \u015fekilde \u00e7al\u0131nm\u0131\u015f olabilecek statik foto\u011fraflar kullan\u0131larak kimlik do\u011frulama yap\u0131lmas\u0131na kar\u015f\u0131 koruma sa\u011flamak amac\u0131yla tasarlanm\u0131\u015ft\u0131r. Sorun \u015fu ki, su\u00e7lular bu korumay\u0131 nas\u0131l a\u015facaklar\u0131n\u0131 \u00e7oktan bulmu\u015f durumdalar: Deepfake!<\/p>\n

Doland\u0131r\u0131c\u0131l\u0131k i\u00e7in yapay zeka ara\u00e7lar\u0131<\/h2>\n

Deepfake alg\u0131lama giri\u015fimi Sensity\u2019den uzmanlar, k\u0131sa bir s\u00fcre \u00f6nce siber su\u00e7lular\u0131n yapay zeka taraf\u0131ndan olu\u015fturulan i\u00e7eri\u011fi k\u00f6t\u00fc niyetli olarak kullanmalar\u0131n\u0131n en yayg\u0131n yollar\u0131ndan baz\u0131lar\u0131n\u0131 a\u00e7\u0131klayan bir y\u0131ll\u0131k rapor<\/a> yay\u0131nlad\u0131.<\/p>\n

D\u00fcnya genelindeki yapay zeka i\u00e7erik olu\u015fturma ara\u00e7lar\u0131n\u0131n toplam say\u0131s\u0131n\u0131n yay\u0131nland\u0131\u011f\u0131 bu raporda uzmanlar; g\u00f6r\u00fcnt\u00fc olu\u015fturmak i\u00e7in 10.206 ara\u00e7, videolardaki y\u00fczleri de\u011fi\u015ftirmek ve dijital avatarlar olu\u015fturmak i\u00e7in 2298 ara\u00e7 ve ses olu\u015fturmak veya klonlamak i\u00e7in 1018 ara\u00e7 sayd\u0131.<\/p>\n

Raporda ayr\u0131ca KYC\u2019yi atlamak i\u00e7in \u00f6zel olarak tasarlanm\u0131\u015f ve say\u0131s\u0131 47\u2019ye kadar \u00e7\u0131kan ara\u00e7lara da dikkat \u00e7ekiliyor. Bu ara\u00e7lar, siber su\u00e7lular\u0131n m\u00fc\u015fteri kimlik do\u011frulamas\u0131n\u0131 ba\u015far\u0131yla ge\u00e7ebilen dijital klonlar olu\u015fturmas\u0131na olanak tan\u0131makta. Sonu\u00e7 olarak, doland\u0131r\u0131c\u0131lar; bankalar, kripto para borsalar\u0131, \u00f6deme sistemleri vb. finansal kurumlarda uzaktan hesap a\u00e7abiliyorlar.<\/p>\n

<\/a>

Deepfake\u2019ler d\u00fcnya \u00e7ap\u0131nda KYC prosed\u00fcrlerini atlamak i\u00e7in kullan\u0131lmaktad\u0131r (bu sald\u0131r\u0131lar\u0131n en s\u0131k ger\u00e7ekle\u015fti\u011fi b\u00f6lgeler haritada k\u0131rm\u0131z\u0131 ile vurgulanm\u0131\u015ft\u0131r). Kaynak<\/a><\/p><\/div>\n

Bu hesaplar daha sonra \u00e7e\u015fitli su\u00e7 faaliyetleri i\u00e7in \u2013 \u00f6zellikle direkt finansal doland\u0131r\u0131c\u0131l\u0131k ve yasa d\u0131\u015f\u0131 operasyonlardan elde edilen k\u00e2rlar\u0131n aklanmas\u0131 i\u00e7in \u2013 kullan\u0131l\u0131yor.<\/p>\n

Dijital klon ma\u011fazas\u0131<\/h2>\n

K\u0131sa bir s\u00fcre \u00f6nce 404 Media<\/em>, KYC\u2019yi atlatmak i\u00e7in insanlar\u0131n foto\u011fraf ve videolar\u0131n\u0131 satan bir yeralt\u0131 web sitesi hakk\u0131nda haber<\/a> yapt\u0131. Gazetecilere g\u00f6re dijital kopya ticareti yapanlar; gelir d\u00fczeyi d\u00fc\u015f\u00fck \u00fclkelerden g\u00f6n\u00fcll\u00fcler bularak ve \u00e7ekim i\u00e7in onlara nispeten k\u00fc\u00e7\u00fck miktarlarda (5-20 dolar) \u00f6deme yaparak, bu t\u00fcr i\u00e7eriklerden olu\u015fan b\u00fcy\u00fck koleksiyonlar olu\u015fturuyorlar.<\/p>\n

Elde edilen i\u00e7erik daha sonra ilgilenen herkese sat\u0131l\u0131yor. Koleksiyonlar olduk\u00e7a geni\u015f ve farkl\u0131 ya\u015f, cinsiyet ve etnik k\u00f6kenlerden insanlar\u0131 i\u00e7eriyor. Sitenin hizmetleri olduk\u00e7a ucuz; \u00f6rne\u011fin, gazetecilerin sat\u0131n ald\u0131\u011f\u0131 set sadece 30 dolar. Setlerde farkl\u0131 giysiler i\u00e7indeki foto\u011fraf ve videolar\u0131n yan\u0131 s\u0131ra elinde beyaz bir kart ve bo\u015f bir k\u00e2\u011f\u0131t bulunan ve kimlik ya da ba\u015fka bir belgeyle de\u011fi\u015ftirilebilen g\u00f6r\u00fcnt\u00fcler de yer al\u0131yor.<\/p>\n

\"KYC'yi<\/a>

KYC\u2019yi atlatmak ad\u0131na foto\u011fraf ve video i\u00e7eri\u011fi satan doland\u0131r\u0131c\u0131lar i\u00e7in \u00e7evrimi\u00e7i bir ma\u011faza. Kaynak<\/a><\/p><\/div>\n

Hizmet son derece m\u00fc\u015fteri odakl\u0131. Web sitesinde minnettar al\u0131c\u0131lar\u0131n yorumlar\u0131 yer al\u0131yor ve hatta en az say\u0131da sat\u0131n al\u0131nan foto\u011fraf ve videolar i\u00e7in \u00f6zel bir i\u015faret bulunuyor. Bu t\u00fcr \u201ctaze klonlar\u0131n\u201d doland\u0131r\u0131c\u0131l\u0131k kar\u015f\u0131t\u0131 sistem kontrollerini ba\u015far\u0131yla ge\u00e7me olas\u0131l\u0131\u011f\u0131 daha y\u00fcksek.<\/p>\n

Site y\u00f6neticileri, haz\u0131r dijital kimliklerin yan\u0131 s\u0131ra \u2013 talep \u00fczerine ve muhtemelen daha ciddi paralar kar\u015f\u0131l\u0131\u011f\u0131nda \u2013 al\u0131c\u0131 i\u00e7in \u00f6zel olarak olu\u015fturulmu\u015f i\u00e7erik setleri de sunuyor.<\/p>\n

Yapay zeka taraf\u0131ndan \u00fcretilen sahte belgeler<\/h2>\n

Ayn\u0131 yay\u0131n organ\u0131ndan gazeteciler, yapay zeka kullan\u0131larak olu\u015fturulan sahte belgelerin ger\u00e7ek\u00e7i foto\u011fraflar\u0131n\u0131 satma konusunda uzmanla\u015fm\u0131\u015f bir web sitesi de ke\u015ffetti<\/a>.<\/p>\n

\"Sahte<\/a>

KYC\u2019yi atlatmak ad\u0131na foto\u011fraf ve video i\u00e7eri\u011fi satan doland\u0131r\u0131c\u0131lar i\u00e7in \u00e7evrimi\u00e7i bir ma\u011faza. Kaynak<\/a><\/p><\/div>\n

Bu t\u00fcr doland\u0131r\u0131c\u0131l\u0131klarla ilgilenen bir \u015firket uzman\u0131, bu t\u00fcr baz\u0131 hizmetlerin hem sahte belgeler hem de onlar\u0131n sahte sahiplerinin foto\u011fraf ve videolar\u0131n\u0131 i\u00e7eren kullan\u0131ma haz\u0131r setler sundu\u011funu belirtiyor.<\/p>\n

Dolay\u0131s\u0131yla, yapay zeka ara\u00e7lar\u0131 ve bu t\u00fcr i\u00e7erik koleksiyonlar\u0131 doland\u0131r\u0131c\u0131lar\u0131n i\u015fini \u00e7ok daha kolayla\u015ft\u0131r\u0131yor. Sadece birka\u00e7 y\u0131l \u00f6nce, para kat\u0131rlar\u0131; yani kirli paray\u0131 do\u011frudan idare eden, hesap a\u00e7an ve havale ya da nakit \u00e7ekme i\u015flemleri yapan ger\u00e7ek ki\u015filer, su\u00e7 operasyonlar\u0131n\u0131n en zay\u0131f halkas\u0131yd\u0131.<\/p>\n

Art\u0131k bu t\u00fcr \u201cfiziksel\u201d kat\u0131rlar h\u0131zla gereksiz hale geliyor. Su\u00e7lular\u0131n art\u0131k kolluk kuvvetlerine kar\u015f\u0131 savunmas\u0131z olan g\u00fcvenilmez \u201czay\u0131f halkalar\u201d ile etkile\u015fime girmesine gerek kalm\u0131yor. Burada mesele, ayn\u0131 ama\u00e7lar i\u00e7in belirli say\u0131da dijital klon olu\u015fturmak ve ard\u0131ndan hesap a\u00e7man\u0131za ve i\u015flemleri tamamen uzaktan ger\u00e7ekle\u015ftirmenize olanak tan\u0131yan finansal hizmetleri hedeflemek.<\/p>\n

Peki, bundan sonra ne olacak?<\/h2>\n

Gelecekte, mevcut KYC prosed\u00fcrlerinin atlanmas\u0131n\u0131n kolayla\u015fmas\u0131 muhtemelen iki sonuca yol a\u00e7acakt\u0131r. Bunlardan birincisi; finans kurulu\u015flar\u0131n\u0131n, yapay zeka taklitlerinin belirtilerini tespit etmeye dayal\u0131 olarak uzaktaki m\u00fc\u015fteriler taraf\u0131ndan sa\u011flanan foto\u011fraf ve videolar\u0131 do\u011frulamak i\u00e7in getirece\u011fi ek mekanizmalar olacakt\u0131r.<\/p>\n

\u0130kincisi ise, d\u00fczenleyicilerin muhtemelen tamamen uzak finansal operasyonlar i\u00e7in gereklilikleri \u00e7ok daha s\u0131k\u0131 hale getirmeleri olacakt\u0131r. Bu durum, \u00e7evrimi\u00e7i finansal hizmetlerin art\u0131k al\u0131\u015ft\u0131\u011f\u0131m\u0131z basitli\u011fi ve rahatl\u0131\u011f\u0131n\u0131n yapay zeka taraf\u0131ndan tehdit edilmesi olas\u0131l\u0131\u011f\u0131n\u0131 art\u0131racakt\u0131r.<\/p>\n

Ne yaz\u0131k ki sorun burada da bitmiyor. Uzmanlar\u0131n da belirtti\u011fi gibi; foto\u011fraf, video ve ses i\u00e7eri\u011fi olu\u015fturmaya y\u00f6nelik yapay zeka ara\u00e7lar\u0131n\u0131n yayg\u0131nla\u015fmas\u0131, insanlar aras\u0131ndaki dijital etkile\u015fimlere olan g\u00fcveni temelden zedeliyor. Yapay zeka yarat\u0131mlar\u0131n\u0131n kalitesi artt\u0131k\u00e7a, ak\u0131ll\u0131 telefonlar\u0131m\u0131zda ve bilgisayarlar\u0131m\u0131zda g\u00f6rd\u00fcklerimize inanmak da giderek zorla\u015f\u0131yor.<\/p>\n\n","protected":false},"excerpt":{"rendered":"

Doland\u0131r\u0131c\u0131lar, M\u00fc\u015fterini Tan\u0131 (KYC) prosed\u00fcrlerini atlamak ve kara para aklama hesaplar\u0131 a\u00e7mak i\u00e7in yapay zeka taraf\u0131ndan \u00fcretilen dijital klonlar\u0131 kullan\u0131yor.<\/p>\n","protected":false},"author":2726,"featured_media":12646,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1351,995],"tags":[978,2143,2655,612,781,744,2426,1575,2751,2749,1610,2750,2623,537,878,1424],"class_list":{"0":"post-12645","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-threats","8":"category-technology","9":"tag-bankalar","10":"tag-deepfake","11":"tag-deepfakeler","12":"tag-dolandiricilik","13":"tag-finans","14":"tag-guvenlik","15":"tag-kara-para-aklama","16":"tag-kimlik-dogrulama","17":"tag-kimlik-tespiti","18":"tag-kyc","19":"tag-makine-ogrenimi","20":"tag-para-katirlari","21":"tag-sinir-aglari","22":"tag-tehditler","23":"tag-teknoloji","24":"tag-yapay-zeka"},"hreflang":[{"hreflang":"tr","url":"https:\/\/www.kaspersky.com.tr\/blog\/how-deepfakes-threaten-kyc\/12645\/"},{"hreflang":"en-in","url":"https:\/\/www.kaspersky.co.in\/blog\/how-deepfakes-threaten-kyc\/27880\/"},{"hreflang":"en-ae","url":"https:\/\/me-en.kaspersky.com\/blog\/how-deepfakes-threaten-kyc\/23176\/"},{"hreflang":"ar","url":"https:\/\/me.kaspersky.com\/blog\/how-deepfakes-threaten-kyc\/12021\/"},{"hreflang":"en-gb","url":"https:\/\/www.kaspersky.co.uk\/blog\/how-deepfakes-threaten-kyc\/28057\/"},{"hreflang":"es-mx","url":"https:\/\/latam.kaspersky.com\/blog\/how-deepfakes-threaten-kyc\/27610\/"},{"hreflang":"es","url":"https:\/\/www.kaspersky.es\/blog\/how-deepfakes-threaten-kyc\/30292\/"},{"hreflang":"it","url":"https:\/\/www.kaspersky.it\/blog\/how-deepfakes-threaten-kyc\/29150\/"},{"hreflang":"ru","url":"https:\/\/www.kaspersky.ru\/blog\/how-deepfakes-threaten-kyc\/38051\/"},{"hreflang":"x-default","url":"https:\/\/www.kaspersky.com\/blog\/how-deepfakes-threaten-kyc\/51987\/"},{"hreflang":"fr","url":"https:\/\/www.kaspersky.fr\/blog\/how-deepfakes-threaten-kyc\/22112\/"},{"hreflang":"de","url":"https:\/\/www.kaspersky.de\/blog\/how-deepfakes-threaten-kyc\/31542\/"},{"hreflang":"ja","url":"https:\/\/blog.kaspersky.co.jp\/how-deepfakes-threaten-kyc\/36997\/"},{"hreflang":"ru-kz","url":"https:\/\/blog.kaspersky.kz\/how-deepfakes-threaten-kyc\/28194\/"},{"hreflang":"en-au","url":"https:\/\/www.kaspersky.com.au\/blog\/how-deepfakes-threaten-kyc\/33988\/"},{"hreflang":"en-za","url":"https:\/\/www.kaspersky.co.za\/blog\/how-deepfakes-threaten-kyc\/33653\/"}],"acf":[],"banners":"","maintag":{"url":"https:\/\/www.kaspersky.com.tr\/blog\/tag\/deepfakeler\/","name":"deepfake'ler"},"_links":{"self":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/12645","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/users\/2726"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=12645"}],"version-history":[{"count":4,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/12645\/revisions"}],"predecessor-version":[{"id":12653,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/12645\/revisions\/12653"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media\/12646"}],"wp:attachment":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=12645"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=12645"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=12645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}