{
  "id": 5287267,
  "title": "Santander refuerza el control para prevenir el fraude con IA en el 'Plan Amigo'",
  "url": "https://urgent.news/2026/09/02/santander-refuerza-el-control-para-prevenir-el-fraude-con-ia-en-el",
  "topic": "business",
  "section": "Business",
  "published": "2026-09-02T22:53:07.000Z",
  "source": {
    "name": "Expansion ES",
    "slug": "expansion-es",
    "url": "https://www.expansion.com/empresas/banca/2026/09/03/6a982bf7e5fdea70788b4588.html"
  },
  "original_language": "es",
  "account": "Santander is reinforcing controls to prevent fraud involving artificial intelligence in its Plan Amigo, according to recent reports. This loyalty scheme, prevalent in the banking sector over the past years, currently rewards customers with up to 800 euros for each friend or family member they bring to the bank. In return, those new customers can earn up to 840 euros. However, Santander has introduced a new requirement for the current edition of Plan Amigo, which will be active until the end of the year. Customers must now act responsibly and share the campaign's personalized code exclusively within their known network of interested individuals. The bank warns that mass and fraudulent sharing of the personalized code or the creation of collective spam outside of one's known network will lead to the automatic cancellation of the promotion. Santander also emphasizes that the use of mass messaging tools and impersonating the sharing of the promotion code by another person is strictly prohibited. Economic crime, particularly financial fraud, is currently experiencing rapid growth, driven by digitalization, the use of artificial intelligence, and social engineering techniques. Financial institutions, in line with increased supervision, are intensifying their controls on fraud due to its reputational risk and significant financial losses. Last year, external fraud was the second-largest source of losses and provisions for Santander, representing 18.1% of the group's total defaults, after client, product, and business provisions, with a 72.7% weight. Errors in processes were the third category of losses, accounting for 6.6%.",
  "summary": "Santander está adoptando medidas para prevenir fraudes generados con herramientas de IA en el Plan Amigo. Leer",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}