LATIDIA · Ciberseguridad

¿Pueden los procesadores y aseguradores de préstamos detectar estados de cuenta editados por IA? Un estudio empírico

arXiv: 2610.30758v1Announce Type: cross Resumen: La edición asistida por IA puede producir documentos de préstamo que conservan los diseños familiares del emisor mientras cambian la identidad del solicitante. Investigamos si experimentó underwri

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arXiv:2610.30758v1 Announce Type: cross Abstract: AI-assisted editing can produce loan documents that preserve familiar issuer layouts while changing the applicant's identity. We investigated whether experienced underwriters and loan processors identify such forgeries in first-pass, document-only review. Three practitioners recruited through Upwork each received one applicant package drawn from 134 forged PDFs derived from 47 genuine financial documents supplied with full consent. The edits preserved amounts, dates and balances; identifier inconsistencies introduced by the pipeline were knowingly retained before distribution. Reviewers were not told that files had been altered and returned 132 file-level judgements. Checking their explanations against the originals yielded 14 edit-supported concerns (10.6%): 12 Suspicious judgements and two Insufficient