Forgeries & Verified Data Transfer

The advancement of artificial intelligence has lowered the threshold for creating convincing forgeries of documents. Today, I read Luiza Jarovsky’s newsletter, which warned about using AI to forge receipts, giving me the idea for this post. Counterfeit invoices, receipts, and bank statements can closely mimic an institution’s branding, appearance, and structure. Their visual credibility can be enough to bypass manual verification checks.

Fraud prevention methods are often slow, increasing labor costs and the risk of false positives, which further consumes resources and burdens legitimate users. This systemic weakness to fraud must be addressed urgently.

As a solution, I propose a model where the user authorizes their bank or payment service provider to send transaction data directly to a designated recipient, such as the tax authority, employer, or benefits agency. Each recipient would be registered in the system with a unique identifier code or technical address. When the user selects both the transaction and the recipient, the data is transmitted securely without the possibility of intervention or alteration.

This reduces the risk of forgery and replaces the current inefficient process.

When authorized institutions exchange information in a closed and verified manner, data protection principles and built-in privacy (privacy by design) are addressed more effectively than in the current system. Users need not store, manage, or send sensitive documents through various portals or programs, making this model more user-friendly than today’s fragmented solutions.

Because AI is advancing quickly, fragmented countermeasures no longer suffice. In the worst case, organized groups could exploit these vulnerabilities. Document-based practices must be replaced by secure, consent-based data sharing among trusted systems, where trust and security remain at the core of the digital environment.

Warmly,

Riikka