Technology
Your bank wants your voice. Just say no.
You already gave your bank your address, date of birth, Social Security number and your mother’s maiden name. Now, they want your voice.
Banks say it’s an extra layer of biometric protection against fraud and cybercrime. But with the rise of hackers stealing voice data for deepfakes, is it worth the risk?
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IT NEVER ENDS! WHAT TO DO AFTER A DATA BREACH
The identity arms race
No matter how much money you have in the bank, a hacker or scammer wants it — and they’re always one step ahead.
If you’re skeptical of your bank having your voice data on record, you’re not crazy — you’re smart. A voice can be cloned using AI with as little as 10 seconds of audio and a few bucks.
Asking your bank to opt you out of voice authentication is an easy way to secure yourself against potential AI cloning scams. (Photo by Sean Gallup/Getty Images)
Call your bank’s customer service line and ask to opt out of voice authentication. It takes two minutes. If you can do it now, great. If you can’t, I highly recommend you set a reminder to do it later. This is important.
Pro tip: Scammers have been known to plant fake numbers in search results. Don’t just Google search the name of your bank and call that number. Go directly to your bank’s website or call the number on the back of your debit or credit card.
YOUR KIDS MAY BE TREATING VIDEO GAMES LIKE BANKS AND PLAYING WITH REAL MONEY. THE GOVERNMENT HAS QUESTIONS
Go a step further
Because you’re smart, you use strong unique passwords, you enable 2FA, you don’t bank on public Wi-Fi, and you always monitor your accounts. (More on all that below if you need help.)
Other, more secure banking authentication features that don’t require your voice are available and easily accessible. (Photo by Robert Alexander/Getty Images)
But it might be worth a phone call or trip to your local bank branch to ask if they offer extra security features. Popular options include:
Secure keys: This physical or digital device generates one-time passcodes that are usually only good for 30 seconds for safer online banking.
Banking alerts: Set up text or email notifications for real-time account activities, such as large transactions or account changes. It’s a bit of a pain when you have to approve all your charges, but it has saved me from scams and phony charges.
Account lockout features: Many banks offer options to automatically lock your account after a certain number of failed online login attempts.
Advanced access: This is enhanced security for certain activities using additional verification steps. For example, Morgan Stanley asks me for a one-time passcode if I log in at a new location.
OWN A HOME? SHOPPING OR SELLING? YOU’RE A SCAM TARGET
Get your banking security up to par
Maybe you need to get the basics in order first. That’s OK, and it’s definitely not too late to take a couple smart steps.
- Turn on two-factor authentication so only you can access your accounts.
With 2FA enabled, a secondary form of verification is required to prove your identity instead of just entering your username and password to log in to an account.
The second form of verification can be something only you know (an answer to a question), something you have (your device), or who you are (a fingerprint, voice pattern or facial scan). You enter the temporary code, and voila — you’re in.
My pick: An authenticator app. Biometrics (your face or fingerprint scan) are a close runner-up. A text code is the most hackable.
- Only log onto your bank from a network you can trust.
Looking at you, random coffee shop Wi-Fi. Public Wi-Fi networks do little to nothing to protect your privacy. Cybercriminals know this and use free Wi-Fi networks to find victims. Malware, phony hotspots, unsecured networks and nefarious passers-by might all be able to cut in, compromising your data and account.
If you connect to public Wi-Fi without taking precautions, thieves can steal login credentials to any account you sign into while on the network, including your bank accounts.
If you connect to public Wi-Fi, don’t do it without a VPN. (Photo by Saqib Majeed/SOPA Images/LightRocket via Getty Images)
If you must connect to free public Wi-Fi, don’t do it without a virtual private network (VPN). A VPN allows you to browse the internet while encrypting your sensitive information. This helps hide your online credentials and IP address.
I use ExpressVPN, a sponsor of my national radio show.
Now, help me get the word out. Share this story with friends and family to keep them safe before the tsunami of voice-cloning scams hits. They’re coming.
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Technology
Meta expands nuclear power ambitions to include Bill Gates’ startup
These AI projects include Prometheus, the first of several supercluster computing systems, which is expected to come online in New Albany, Ohio, sometime this year. Meta is funding the construction of new nuclear reactors as part of the agreements, the first of which may come online “as early as 2030.” These announcements are part of Meta’s ongoing goal to support its future AI operations with nuclear energy, having previously signed a deal with Constellation to revive an aging nuclear power plant last year.
Financial information for the agreements hasn’t been released, but Meta says that it will “pay the full costs for energy used by our data centers so consumers don’t bear these expenses.”
“Our agreements with Vistra, TerraPower, Oklo, and Constellation make Meta one of the most significant corporate purchasers of nuclear energy in American history,” Meta’s chief global affairs officer, Joel Kaplan, said in the announcement. “State-of-the-art data centers and AI infrastructure are essential to securing America’s position as a global leader in AI.”
Technology
Why January is the best time to remove personal data online
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January feels like a reset. A new calendar. New goals. New habits. While you clean out your inbox, organize paperwork or set resolutions, however, scammers also hit reset, and they start with your personal data.
That is because January is one of the most important months for online privacy. This is when data brokers refresh profiles and scammers rebuild their target lists.
As a result, the longer your information stays online, the more complete and valuable your profile becomes. To help address this, institutions like the U.S. Department of the Treasury have released advisories urging people to stay vigilant and avoid data-related scams.
For that reason, taking action early in the year can significantly reduce scam attempts, lower identity theft risks, and limit unwanted exposure for the rest of the year.
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January is when data brokers refresh profiles and scammers rebuild target lists, making early action critical for online privacy. (iStock)
STOP DATA BROKERS FROM SELLING YOUR INFORMATION ONLINE
Why personal data does not expire and keeps compounding online
Many people assume old information eventually becomes useless. Unfortunately, that’s not how data brokers work.
Data brokers don’t just store a snapshot of who you are today. They build living profiles that grow over time, pulling from:
- Public records (property sales, court filings, voter registrations)
- Retail purchases and loyalty programs
- App usage and location data
- Past addresses, phone numbers, and relatives
- Marketing databases and online activity.
Each year adds another layer. A new address. A changed phone number. A family connection. A retirement milestone. On its own, one data point doesn’t mean much. But together, they create a detailed identity profile that scammers can use to convincingly impersonate you. That’s why waiting makes things worse, not better.
Why scammers ‘rebuild’ targets at the start of the year
Scammers don’t randomly target people. They work from lists. At the beginning of the year, those lists get refreshed.
Why January matters so much:
- Data brokers update and resell profiles after year-end records close
- New public filings from the previous year become searchable
- Marketing databases reset campaigns and audience segments
- Scam networks repackage data into “fresh” target lists.
Think of it like the upcoming spring cleaning, except it’s criminals organizing identities to exploit for the next 12 months.
If your data is still widely exposed in January, you’re far more likely to:
Once your profile is flagged as responsive or profitable, it often stays in circulation.
As personal information accumulates across databases, digital profiles grow more detailed and more valuable to scammers over time. (Kurt “CyberGuy” Knutsson)
Why taking action in January protects you all year long
Removing your data early isn’t just about stopping scams today; it’s about cutting off the supply chain that fuels them. When your information is removed from data broker databases:
- It’s harder for scammers to find accurate contact details
- Phishing messages become less convincing
- Impersonation attempts fail more often
- Your identity becomes less valuable to resell.
This has a compounding benefit in the opposite direction. The fewer lists you appear on in January, the fewer times your data gets reused, resold, and recycled throughout the year. That’s why I consistently recommend addressing data exposure before problems start, not after.
Why retirees and families feel the impact first
January is especially important for retirees and families because they’re more likely to become targets of fraud, scams, and other crimes.
Retirees often have:
- Long addresses and employment histories
- Stable credit profiles
- Fewer active credit applications
- Public retirement and property records
Families add another layer of risk:
- Relatives are linked together in broker profiles
- One exposed family member can expose others
- Shared addresses and phone plans increase visibility
Scammers know this. That’s why households with established financial histories are prioritized early in the year.
Why quick fixes don’t work
Many people try to “start fresh” in January by:
Those steps help, but they don’t remove your data from broker databases. Credit monitoring services alert you after something goes wrong. Password changes don’t affect public profiles. And unsubscribing doesn’t stop data resale. If your personal information is still sitting in hundreds of databases, scammers can find you.
The January privacy reset that actually works
If you want fewer scam attempts for the rest of the year, the most effective step is removing your personal data at the source.
You can do this in one of two ways. You can submit removal requests yourself, or you can use a professional data removal service to handle the process for you.
Removing your data yourself
Manually removing your data means identifying dozens or even hundreds of data broker websites, finding their opt-out forms and submitting removal requests one by one. You also need to verify your identity, track responses and repeat the process whenever your information reappears.
This approach works, but it requires time, organization, and ongoing follow-up.
Using a data removal service
A data removal service handles this process on your behalf. These services typically:
- Send legal data removal requests to large networks of data brokers
- Monitor for reposted information and submit follow-up removals
- Continue tracking your exposure throughout the year
- Manage a process that most people cannot realistically maintain on their own
Removing your data at the start of the year helps reduce scam attempts, phishing messages and identity theft risks all year long. (iStock)
Because these services handle sensitive personal information, it is important to choose one that follows strict security standards and uses verified removal methods.
While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.
RETIREES LOSE MILLIONS TO FAKE HOLIDAY CHARITIES AS SCAMMERS EXPLOIT SEASONAL GENEROSITY
Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.
Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.
Kurt’s key takeaways
Scammers don’t wait for mistakes. They wait for exposed data. January is when profiles are refreshed, lists are rebuilt, and targets are chosen for the year ahead. The longer your personal information stays online, the more complete-and dangerous-your digital profile becomes. The good news? You can stop the cycle. Removing your data now reduces scam attempts, protects your identity, and gives you a quieter, safer year ahead. If you’re going to make one privacy move this year, make it early-and make it count.
Have you ever been surprised by how much of your personal information was already online? Let us know by writing to us at Cyberguy.com.
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Technology
Xbox’s Towerborne is switching from a free-to-play game to a paid one
Towerborne, a side-scrolling action RPG published by Xbox Game Studios that has been available in early access, will officially launch on February 26th. But instead of launching as a free-to-play, always-on online game as originally planned, Towerborne is instead going to be a paid game that you can play offline.
“You will own the complete experience permanently, with offline play and online co-op,” Trisha Stouffer, CEO and president of Towerborne developer Stoic, says in an Xbox Wire blog post. “This change required deep structural rebuilding over the past year, transforming systems originally designed around constant connectivity. The result is a stronger, more accessible, and more player-friendly version of Towerborne — one we’re incredibly proud to bring to launch.”
“After listening to our community during Early Access and Game Preview, we learned players wanted a complete, polished experience without ongoing monetization mechanics,” according to an FAQ. “Moving to a premium model lets us deliver the full game upfront—no live-service grind, no pay-to-win systems—just the best version of Towerborne.”
With the popular live service games like Fortnite and Roblox getting harder to usurp, Towerborne’s switch to a premium, offline-playable experience could make it more enticing for players who don’t want to jump into another time-sucking forever game. It makes Towerborne more appealing to me, at least.
With the 1.0 release of the game, Towerborne will have a “complete” story, new bosses, and a “reworked” difficulty system. You’ll also be able to acquire all in-game cosmetics for free through gameplay, with “no more cosmetic purchasing.” Players who are already part of early access will still be able to play the game.
Towerborne will launch on February 26th on Xbox Series X / S, Xbox on PC, Game Pass, Steam, and PS5. The standard edition will cost $24.99, while the deluxe edition will cost $29.99.
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