La IA y la paradoja de su uso dual en el fraude financiero: navegando entre la ofensiva y la defensa en la era digital
DOI:
https://doi.org/10.51247/st.v8i4.666Palabras clave:
Inteligencia Artificial (IA), Paradoja de uso dual, Fraude financiero, Detección de fraude, IA defensiva, IA ofensivaResumen
Este estudio aborda la paradoja de uso dual de la inteligencia artificial (IA) en el fraude financiero digital, mostrando cómo las mismas tecnologías pueden tanto fortalecer los sistemas defensivos como habilitar ataques cada vez más adaptativos. La investigación adopta una metodología cualitativa–conceptual, orientada al desarrollo de un marco teórico que capture esta paradoja y resalte la brecha de asimetría de la IA entre las capacidades ofensivas y defensivas. La evidencia indica que esta brecha se está ampliando debido a modelos de detección reactivos, limitaciones en el acceso a los datos y una fragmentación en el intercambio de inteligencia. Aunque las soluciones aplicadas (p. ej., Mastercard Decision Intelligence Pro; SymphonyAI Sensa Copilot) reportan mejoras en la precisión de detección y en la eficiencia investigativa, su efectividad parece estar restringida por limitaciones regulatorias, institucionales y de datos. El estudio propone un marco que integre arquitecturas híbridas de IA, redes de inteligencia interinstitucionales, investigación en IA adversaria y medidas regulatorias específicas para la IA.
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Derechos de autor 2025 Siham Rahmani
Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial-CompartirIgual 4.0.
