Murray Patt, our founder, explains why business owners should embrace AI…but remain alert to the growing risks that come with it.

 

2026: The year AI scams became harder to spot

As we’ve already highlighted several times this year in our regular blogs and J Life column, artificial intelligence is transforming the way businesses operate. From content creation and customer service to administration, AI is helping companies work more efficiently than ever before.

However, business owners should also be aware of the risks emerging alongside it.

One of the biggest challenges is that AI is making scams more convincing.

Fraudulent emails, fake invoices, deep fake videos and phishing attempts are no longer full of spelling mistakes and obvious warning signs. AI can generate professional-looking messages in seconds, mimicking the tone, style and branding of trusted organisations. For many business owners, distinguishing between a genuine message and a fraudulent one has become increasingly difficult.

Beware of HMRC impersonation scams

We are already seeing increasingly sophisticated scams claiming to be from HMRC, Companies House, banks and software providers.

These emails often create a sense of urgency, suggesting immediate action is required to avoid penalties, account restrictions or missed payments.

Before clicking links, downloading attachments or entering information, take a step back and verify the source independently. If an email claims to be from HMRC, visit the official website directly or speak to your accountant before acting.

A few moments of caution can prevent significant financial loss.

Think carefully before uploading data

Many AI platforms require users to upload documents, spreadsheets or business information in order to generate responses.

While these tools are useful, business owners should think carefully before uploading confidential information, data, financial records or commercially sensitive material.

Understanding where your data goes, how it is retained and who may have access to it is hugely important.

If in doubt, anonymise information wherever possible and avoid sharing anything that could create a confidentiality issue.

AI is a tool – not a substitute for judgement

AI can be extremely persuasive, even when it is wrong. It can confidently present inaccurate facts, outdated regulations or misleading conclusions.

Important decisions should always be verified using trusted sources and real-world checks.

Stay curious, but stay cautious

Used properly, AI can supercharge your business output but as with any powerful technology, it should be approached with care.

People who benefit most from AI in 2026 are not those who blindly trust every output. They are the ones who combine the speed of technology with common sense, professional advice and good judgement.

AI can be a remarkable assistant. Just remember that responsibility still sits with the person using it.