When customers are deceivers

AI-generated images are being used to fabricate evidence and secure fraudulent refunds across various industries. Food delivery platforms like Zomato and Swiggy Instamart are grappling with false complaints driven by manipulated claims of damaged or contaminated orders. Deepinder Goyal, co-founder of Zomato, noted that users have increasingly turned to digitally altering food images before filing complaints. The problem is not isolated, with manipulated visuals commonly used to falsely suggest poor delivery quality. The financial impact is substantial, with Indian banks reporting 13,469 cases of card and internet-based fraud in FY 2024-25, amounting to `5.2 billion in losses. Insurers in the UK have also reported a rise in AI-generated claims, with Admiral recording a 71% rise in fraud during 2025.