Ná asɛm no nyinaa yɛ nsisi

Sɛnea Wobɛhu Adwumayɛ mu Nsisi Ansa na Ɛbɛbɔ Wo Biribiara

Ɛfiri aseɛ wɔ DM, email a ɛyɛ nwini, anaa ayɔnkofa a ɛyɛ papa dodo sɛ ɛbɛyɛ nokware. Wɔayɛ ɛnne nnyigyei no fɛfɛɛfɛ. Akontaabu no yɛ anigye. Wɔayɛ ntɛmpɛ no yiye sɛnea ɛbɛyɛ a wubetumi atwa w’atemmu a eye sen biara no ho. Afei, adapɛn anaa asram bi akyi no, nokware no si fam te sɛ birikisi: na ade no nyinaa yɛ nsisi. Sɛnea Federal Trade Commission kyerɛ no, nnwuma hweree bɛboro $10.3 ɔpepepem esiane nsisi nti wɔ afe 2023 nkutoo mu — ɛboro afe a etwaam no so 14%. Na ɛnonom yɛ nsɛm a wɔabɔ ho amanneɛ no ara kwa. Wɔ nnwuma nketewa wuranom a wɔyɛ adwuma a wonni nhyehyɛe a ɛfata fam no, ɔsɛe no betumi ayɛ nea ɛwɔ hɔ ankasa. Sɛnea nsisi yɛ adwuma no ntease, frankaa kɔkɔɔ a wubehu ntɛm, ne adwumayɛ nhyehyɛe a ɛma ɛyɛ den sɛ wobedi nsisi atia wo no nyɛ paranoia — ɛyɛ nkwagye.

Nnɛyi Adwumayɛ mu Nsisi ho Anatomy

Adwumayɛ mu nsisi akɔ akyiri asen Nigeria ɔheneba email no koraa. Ɛnnɛyi nsisifo yɛ ɔsatu ahorow a ɛyɛ nwonwa a wɔde suasua adwumayɛ a ɛfata wɔ ɔkwan a ɛyɛ hu so pɛpɛɛpɛ. Fake vendor invoices du formatted pɛpɛɛpɛ, reference ankasa adetɔ order nɔma scraped fi data breaches. Nsisi a wɔde yɛ wɔn ho sɛ wɔde deepfake audio di dwuma de yɛ CEO bi nne ho mfonini, na wɔkyerɛ sikasɛm kuw no sɛ wɔmfa sika nkɔ “akonta foforo” bi mu. Wɔ afe 2024 mu no, Hong Kong sikasɛm ho dwumayɛni bi de $25 ɔpepem kɔmaa obi foforo bere a ɔde video frɛ a ɔde nea ɛbɛdaa adi sɛ ɛyɛ ne mfɛfo adwumayɛfo deepfakes a AI na ɛyɛe koraa no kɔe akyi.

Asaawa a ɛtaa ba wɔ adwumayɛ mu nsisi biara mu ne sɛ wɔde nsonsonoeɛ bedi dwuma — nsonsonoeɛ a ɛwɔ akwan a wɔfa so di adanseɛ mu, nsonsonoeɛ a ɛwɔ nkitahodiɛ a ɛda akuo ahodoɔ ntam, ne nsonsonoeɛ a ɛwɔ nhyehyɛeɛ a nnwuma de di sika, apam, ne abusuabɔ akyi. Ɛho nhia sɛ nsisifo yɛ anifere sen wo. Ɛsɛ sɛ wɔhwehwɛ bere biako pɛ a wowɔ adagyew dodo, wowɔ ahotoso dodo, anaasɛ wonyɛ nhyehyɛe dodo sɛ wobɛhwɛ mprenu.

Nea ɛma nnɛyi nsisi yɛ asiane titiriw ne wɔn boasetɔ. Nsisifo pii de adapɛn pii nya ahotoso ansa na wɔatu akɔtra baabi foforo. Wɔde invoice nketewa a ɛfata a wotua a wontua hwee bɛmena, de nhyehyɛe bi asi hɔ. Afei nnaadaa invoice kɛse no ba, na esiane sɛ vendor din no "wɔ nhyehyɛe no mu" dedaw nti, ɛde po so hyɛn fa pene so. Sɛ wɔannya kyerɛwtohɔ a ɛwɔ mfinimfini ne akontabuo akwan a ɛfata a, saa nhyehyɛeɛ yi di nkonim mpɛn pii sene sɛdeɛ ɛsɛ sɛ ɛyɛ.

Frankaa Kɔkɔɔ Anum a Ɛteɛm sɛ "Eyi Yɛ Nsisi"

Sɛ wuhu nsisi bi ansa na adu wo sikakorabea akontaabu mu a, ɛhwehwɛ sɛ wuhu nea ɛsɛ sɛ wohwehwɛ. Bere a nsisifo sesa wɔn akwan bere nyinaa no, nhyehyɛe ahorow bi da so ara yɛ pɛpɛɛpɛ ma ɛyɛ nwonwa wɔ nnwuma ne nsisi ahorow nyinaa mu.

• Manufactured urgency: "Saa apam yi twam wɔ nnɔnhwerew 24 mu" anaa "Fa deposit no wire nnɛ anaasɛ hwere apam no." Adwumayɛfoɔ a wɔyɛ adwuma wɔ mmara kwan so nhyɛ wo sɛ wobɛtwa w’ankasa wo pene nhyehyɛeɛ ho.
• Resistance to standard verification: Wɔrentumi mfa nkyerɛkyerɛmu mma, wɔremfa wɔn nsa nhyɛ wo standard contract ase, anaasɛ wɔrenpia wɔn akyi ntia nhwehwɛmu a ɛfata. Adetɔnfo ankasa hwɛ kwan.
• Nsɛm a ɛnhyia: Adwumakuw din a ɛwɔ invoice no so no ne nea ɛwɔ apam no so no nhyia. Email domain no yɛ nkyerɛwde biako fi adwumakuw ankasa no ho. Sikakorabea no ho nsɛm sesae "esiane akontaabu bi nti."
• Atua a ɛboro so ne sika a wɔsan de ma ho abisadeɛ: Adetɔfoɔ bi tua ka boro so "wɔ akwanhyia mu" na ɔka kyerɛ wo sɛ fa nsonsonoeɛ no san ma — classic check fraud a ɛma wokura adehwereɛ no mu berɛ a mfitiaseɛ sika a wɔtuaeɛ no bounces.
• ROI nsusuwii a ɛyɛ pɛpɛɛpɛ dodo: Ayɔnkofa anaa sika a wɔde bɛto mu biara a ɛhyɛ bɔ sɛ wobenya mfaso a wɔahyɛ ho bɔ a asiane biara nni ho no retɔn wo ayɛsɛm. Adwuma ankasa yɛ basabasa, na ahokafo anokwafo gye tom saa.

Nokware a ɛnyɛ dɛ ne sɛ akyiri yi wɔn a wɔayɛ wɔn basabasa no mu pii gye tom sɛ anyɛ yiye koraa no wɔhyɛɛ frankaa kɔkɔɔ yi biako nsow nanso wɔpoo. Aduru a wɔde ko tia no nyɛ nhumu kɛkɛ — ɛyɛ nhyehyɛe ahorow a wɔkyekye a ɛhyɛ anammɔn a wɔde di adanse kɔ wo adwumayɛ mu sɛnea ɛbɛyɛ a onipa biako bere tiaa mu mfomso wɔ atemmu mu no renyɛ adwumakuw no nyinaa asiane.

Nea enti a Nnwuma a Wɔanhyehyɛ no Yɛ Mmerewa De Botae

Nsisifo mfa wɔn ani nsi nnwuma so wɔ random. Wɔde wɔn ani si basabasayɛ so. Adwumakuw bi a ɛde ne sikasɛm di dwuma wɔ spreadsheet abiɛsa, inbox abien, ne mpaboa adaka a wɔde sika a wɔde gye sika so no yɛ nea ɛyɛ mmerɛw kɛse sen nea ɛwɔ adwumayɛbea ahorow a ɛwɔ mfinimfini, a wotumi bu ho akontaa. Bere a obiara ntumi nhwɛ ntɛm sɛ ebia invoice bi yɛ mmara kwan so, bere a wɔmfa akraman nkitahodi nkɔ nhyehyɛe a wɔkyɛ mu, ne bere a adwumayɛ kwan biara nni hɔ a wɔpene so ma sikatua a ɛboro aboboano pɔtee bi — nsisi di yiye wɔ saa mpaapaemu no mu.

Susuw tebea ankasa ho hwɛ: aguadi adwumakuw bi a nnipa 12 na wɔwom nsa kaa email fii nea ɛte sɛ nea ɔyɛ wɔn adetɔfo kɛse no hɔ, a wɔsrɛɛ sɛ wɔnyɛ nsakrae wɔ sikatua ho nsɛm mu. Email no ne client no nne hyia, ɛde din kyerɛɛ adwuma bi a ɛreyɛ adwuma, na mpo ɛde invoice nɔma a ɛfata kaa ho. Adwumakuw no nhoma sohwɛfo no yɛɛ sikatua ho nsɛm foforo na ɔyɛɛ $47,000 ho adwuma wɔ akontaabu foforo no mu. Egyee adapɛn abiɛsa ansa na wɔrehu nsisi no — adapɛn abiɛsa a na adetɔfo ankasa no retwɛn nneɛma a wɔde bɛkɔ a "wɔatua ho ka" dedaw no. Na ɛnyɛ nkwaseasɛm na ɛde bae titiriw. Na ɛyɛ sɛ na adwumakuw no nni CRM biara a ɛde nkitahodi bata afɛfo kyerɛwtohɔ ahorow a wɔagye atom ho, na nni nkɔnsɔnkɔnsɔn a wɔpene so ma sikakorabea nsɛm mu nsakrae, ne nhyehyɛe biara a ɛkyerɛ sɛ nneɛma a ɛnteɛ.

Eha ne baabi a adwumayɛ nhyehyɛe bɛyɛ adwinnade a wɔde siw nsisi ano, ɛnyɛ agodie a ɛma wotumi yɛ adwuma yiye kɛkɛ. Sɛ wo invoicing, client management, ne sikasɛm ho kyerɛwtohɔ te wɔ platform a ɛyɛ biako te sɛ Mewayz so a, asɛm biara wɔ context. Wubetumi atwa invoice bi ahyia ntɛm ara atia nkitahodi a wɔakyerɛw so, ahwɛ sɛ adetɔnfo ho nsɛm atoto onboarding kyerɛwtohɔ ahorow ho, na woahyɛ sikatua abisade biara a ɛne nhyehyɛe a wɔde asi hɔ no nhyia no frankaa — ne nyinaa a woremma adwumayɛ a ɛfata no nkɔ fam.

Adwuma a Ɛko Tia Nsisi a Wɔbɛkyekye

Nsisi a wosiw ano nyɛ adwinnade anaa nhyehyɛe biako. Ɛyɛ amammerɛ a nhyehyɛe ahorow gyina akyi. Nnwuma a wɔntaa ntɔ nsisi mu no nyɛ adwumayɛfo a wɔyɛ paranoid geniuses — wɔakyekye adwumayɛ nhyehyɛe ahorow a ɛma nsisi yɛ den wɔ nhyehyɛe mu ara kwa. Sɛnea ɛno te wɔ nneyɛe mu ni.

Nea edi kan no, fa wo kyerɛwtohɔ ahorow no hyɛ mfinimfini. Ɛsɛ sɛ adetɔfoɔ, adetɔnfoɔ, adwumayɛfoɔ, ne ɔhokafoɔ biara wɔ hɔ sɛ kyerɛwtohɔ a wɔagye atom wɔ wo CRM mu a ɛwɔ nkitahodiɛ abakɔsɛm a wɔakyerɛw, apam a wɔde wɔn nsa ahyɛ aseɛ, ne sikatua ho nsɛm a wɔasi so dua. Sɛ obi bisa nsakraeɛ wɔ saa nsɛm no mu biara mu a, ɛsɛ sɛ wo kuo no nya adansedie nhyehyɛeɛ a wɔakyerɛw — te sɛ telefon nɔma a wɔadi kan agye atom a wobɛfrɛ, ɛnyɛ deɛ ɛwɔ email a ɛyɛ adwenem naayɛ no mu. Sɛ nhwɛsoɔ no, Mewayz CRM module no kyekyere nkitahodie, apam, ne invoicing bata client record baako mu, na ɛma ɛda adi ntɛm ara berɛ a biribi ne abakɔsɛm a wɔde asi hɔ nhyia.

Nea ɛtɔ so mmienu, fa adwuma a wɔpene so di dwuma ma sikasɛm mu nkitahodie. Ɛnsɛ sɛ onipa biako biara tumi ma kwan ma wotua sika a ɛboro anohyeto a wɔakyerɛ so a ɔmfa ne nsa nhyɛ ase mprenu so. Eyi nyɛ ahotoso a wonni ho asɛm — ɛfa huammɔdi nsɛntitiriw biako a wobeyi afi hɔ ho. Nneɛma a wɔde tua ho ka a wɔde wɔn ankasa yɛ a ɛhwehwɛ sɛ wɔkra nneɛma a wɔde tɔ nneɛma a ɛne ne ho hyia, adetɔnfo kyerɛwtohɔ a wɔagye atom, ne anammɔn pii a wɔpene so no brɛ sika a wɔde tua ho ka no ho nsisi ase kɛse. Nnwumakuw a wɔde Mewayz invoicing ne payroll modules di dwuma no nya mfaso fi audit trails a wɔasisi a ɛkyerɛw adeyɛ biara, na ɛma nsakrae a wɔmma ho kwan no da adi ntɛm ara.

a wɔde ahyɛ mu

"Kasasin a ne bo yɛ den sen biara wɔ adwumayɛ mu ne: 'Yɛayɛ no saa kwan yi so bere nyinaa.' Nsisi biara de adeyɛ bi a na obi ho tɔ no dodo sɛ obegye ho kyim no di dwuma. Nnwuma a ɛda so te ase no ne wɔn a wobu wɔn adwumayɛ nhyehyɛe sɛ ahobammɔ a ɛte ase — wɔsan hwɛ mu bere nyinaa, wɔyɛ no foforo daa, na wɔmfa nyɛ hwee da."

Nea Ɛsɛ sɛ Woyɛ Bere a Wɔasisi Wo Dedaw

Sɛ wuhu sɛ wɔasisi wo a, ahoɔhare ho hia sen aniwu. Nnɔnhwerew 24 kosi 48 a edi kan no ho hia kɛse ma hokwan biara a ɛwɔ hɔ sɛ wobenya sika. Di wo sikakorabea ho nkɔmmɔ ntɛm ara na bɔ mmɔden sɛ wobɛsan afrɛ waya anaasɛ wobɛdan sika a woatua. Fa amanneɛbɔ kɔma FBI Intanɛt so Nsɛmmɔnedi Ho Anwiinwii Asoɛe (IC3) ne wo mpɔtam hɔ mmarahyɛfo. Sɛ nsisi no fa adwuma ankasa a wɔyɛ wɔn ho sɛ wɔyɛ ho a, bɔ saa adwuma no amanneɛ sɛnea ɛbɛyɛ a wobetumi abɔ afoforo a wobetumi ayɛ wɔn basabasa no kɔkɔ.

Twerɛ biribiara. Siesie email, nkrasɛm, sika a wɔde tua ho ka, ne nnwuma ho kyerɛwtohɔ a ɛfa nsisi no ho nyinaa so. Eyi ne baabi a sɛ wowɔ adwumayɛbea a ɛwɔ mfinimfini a, ɛma wonya mfaso wɔ nokwasɛm no akyi mpo — sɛ wɔahyehyɛ wo nkitahodi ne sikasɛm ho kyerɛwtohɔ ahorow na wotumi hwehwɛ mu a, wubetumi ayɛ nsisi ho amanneɛbɔ a edi mũ wɔ nnɔnhwerew mu sen adapɛn pii. Kyerɛwtohɔ a apete wɔ nnwinnade pii so ma nhwehwɛmu yɛ brɛoo na ɛnyɛ den sɛ wɔbɛsan anya ahoɔden.

Afei yɛ nokwaredi mu post-mortem. Kyerɛ adeyɛ a entumi nyɛ yiye ankasa. So na ɛyɛ nokware a wɔankyerɛ? Anamɔn a wɔpene so a ɛyera? Adetɔnfo kyerɛwtohɔ a ne bere atwam? Fa asɛm a esii no di dwuma de hyɛ wo nhyehyɛe ahorow no mu den. Nnwuma pii a wonya nkwa wɔ nsisi mu no fi adi denneennen esiane ɛyaw no kanyan wɔn ma wosiesiee adwumayɛ mu nsonsonoe a na wɔabu wɔn ani agu so mfe pii nti pɛpɛɛpɛ.

AI-Powered Nsisi a Ɛkɔ soro — ne AI-Powered Defense

Nsisi tebea no resakra ntɛmntɛm bere a nyansa a wɔde ayɛ nneɛma ma nsisi yɛ nea wogye di kɛse na ɛyɛ den sɛ wobehu no. Mprempren phishing email ahorow a AI ayɛ no twa kasa mmara ne ɛnne nhwehwɛmu a kan no na ɛyɛ frankaa kɔkɔɔ a wotumi de ho to so no so. Deepfake mfiridwuma tumi clone nne ahorow fi sikani kakraa bi pɛ a wɔde tie mu — a ɛkyerɛ sɛ telefon so adansedi nyɛ nea atuo tumi gyina ano bio. Adwumayɛ email compromise (BEC) ntua a AI na ɛma ahoɔden no kɔɔ soro 1,760% wɔ afe 2022 ne 2025 ntam, sɛnea kɔmputa so ahobammɔ ho nhwehwɛmufo a wɔwɔ SlashNext.

Ɛsɛ sɛ defensive response no nso de mfiridwuma di dwuma. Automated anomaly detection wɔ sikasɛm mu nkitahodi mu, AI-aboa a wɔde di adetɔnfo ho adansedi ho adanse, ne bere ankasa mu kɔkɔbɔ ahorow a ɛfa akontaabu dwumadi a ɛyɛ soronko ho rebɛyɛ pon so stake ama nnwuma akɛse biara. Platforms a ɛka adwumayɛ dwumadi ahorow pii bom — CRM, invoicing, HR, analytics — wɔ nhyehyɛe biako mu no wɔ mfaso a efi awosu mu wɔ ha efisɛ wobetumi cross-reference data points a siled nnwinnade kɛkɛ ntumi. Sɛ wo analytics module no tumi flag sɛ "vendor" a ɔde invoice kɔe no nni kyerɛwtohɔ a ɛne no hyia wɔ wo CRM anaa contract management system no mu a, ɛno yɛ systemic defense a spreadsheet biara ntumi nyɛ bio.

Gye Di, nanso Hwɛ — Afei Hwɛ Bio

Ade a ɛyɛ den sen biara wɔ nsisi ano a wosiw mu ne sɛ wubegye atom sɛ ebetumi ato wo. Nhwehwɛmu kyerɛ bere nyinaa sɛ adwuma nketewa wuranom bɛboro 60% gye di sɛ ɛnyɛ nea ɛbɛyɛ yiye sɛ wɔde nsisi bɛto wɔn ani so — na atoro ahotoso ne nea ɛma wɔyɛ mmerɛw pɛpɛɛpɛ. Nsisi nyɛ nyiyim wɔ adwumakuw kɛse, nnwuma, anaa nyansa mu. Wɔnam ahosiesie so na ɛyɛ nyiyim.

Adwuma a wobɛkyekyere a ɛko tia nsisi no nyɛ sɛ wobɛtra ehu mu. Ɛfa ahotoso a wɔagye atom a wɔde besi anifuraefo ahotoso ananmu ho. Ɛfa nim a wubehu sɛ invoice biara a ɛwɔ wo system no mu no bata apam ankasa ho, wɔde adetɔnfo biara akɔ boarded denam standard process so, na sika biara a wotua a ɛboro threshold bi nya aniwa a ɛto so abien. Eyinom nyɛ adwumayɛfo a wɔyɛ adesoa — sɛ wonya nnwinnade a ɛfata a, ɛyɛ adwumayɛ a wɔde wɔn ankasa yɛ a egye sikani na ɛkora mpempem pii so.

Nnwuma a ɛkɔ so bere tenten no ne nea ɛfa adwumayɛ mu kateeyɛ ho sɛ akansi mu mfaso. Wɔtu ntɛmntɛm, nanso wɔtu wɔ asase a ɛyɛ den so. Wɔwɔ wɔn ahokafo mu ahotoso, nanso wɔnam nhyehyɛe ahorow so hwɛ sɛ ɛyɛ nokware. Na sɛ offer a edi hɔ a eye dodo sɛ ɛbɛyɛ nokware no si wɔn inbox mu — na ɛbɛyɛ — wɔwɔ infrastructure a wɔde bɛkyere ansa na akyere wɔn.

Nsɛmmisa a Wɔtaa Bisa

Dɛn ne nsɛnkyerɛnne a ɛtaa ba a ɛkyerɛ sɛ adwumayɛ mu nsisi?

Frankaa kɔkɔɔ akɛseɛ no bi ne nneɛma a wɔammisa a wɔde sanba a ɛnyɛ nokware, akwan a ɛyɛ nhyɛsoɔ kɛseɛ a ɛhwehwɛ sɛ wɔsi gyinaeɛ ntɛm ara, abisadeɛ a wɔbisa sɛ wɔtua ka ansa na wɔde boɔ biara ama, ne nsɛm a wɔde gyina hɔ ma anaa adwumayɛ ho abakɔsɛm a wɔtumi di ho adanseɛ a ɛnni. Mpɛn pii no, nsisifo de ntɛmpɛ ba na wɔasiw wo kwan sɛ wobɛyɛ nhwehwɛmu a ɛfata. Bere nyinaa hwɛ sɛ adansedi nkrataa no yɛ nokware, hwɛ nhwehwɛmu ahorow mu, na bisa afotufo a wogye wɔn di ansa na wode sika ahyɛ wo nsa anaasɛ wo ne nnipa a wunnim wɔn ayɛ apam.

Ɛbɛyɛ dɛn na nnwuma nketewa atumi abɔ wɔn ho ban afi nsisi ho?

Fi ase denam wo dwumadi ahorow a wode bɛhyɛ mfinimfini sɛnea ɛbɛyɛ a biribiara renkɔ mpaapaemu no mu. Fa adwumayɛ kwan a wɔahyehyɛ te sɛ Mewayz — 207-module adwumayɛ OS a efi ase fi $19/mo — di dwuma de hwɛ apam, nkitahodi, ne sikasɛm so wɔ beae biako. Fa adansedi nhyehyɛe ahorow di dwuma ma ahokafo foforo, fa email so nkyɛ adansedi nkrataa a ɛho hia da, na hwɛ asɛm biara ho kyerɛwtohɔ a ɛkɔ akyiri so. Nnwuma a wɔahyehyɛ no yɛ ade a ɛyɛ den koraa ma nsisifo.

Sɛ wuhu sɛ wɔasisi w’adwuma a, dɛn na ɛsɛ sɛ woyɛ?

Yɛ ade ntɛm ara. Kyerɛw nkitahodi, asɛm a wodi, ne adanse biara a ɛfa nsisi no ho. Bɔ nsisi no ho amanneɛ kyerɛ FTC, wo sikakorabea, ne mpɔtam hɔ mmarahyɛfoɔ. Sɛ wɔde credit card anaa wire transfer na ɛtuaa ka a, kɔ wo sikakorabea hɔ na bɔ mmɔden sɛ wobɛsan agye sika anaasɛ wobɛsan agye. Bɔ wo kuw ne w’afɛfo kɔkɔ sɛ ebia wɔn data bɛsɛe a, na kɔ mmaranimfo nkyɛn nkɔhwehwɛ mmara kwan so ano aduru.

So adwumayɛ sohwɛ nnwinnade betumi aboa ma wɔasiw nsisi ano?

Ɛyɛ saa koraa. Sɛ wo dwumadi ahorow no apete wɔ nnwinnade a wɔatwa mu a, ɛnyɛ den sɛ nnaadaa dwumadi bɛkɔ so a obiara renhu. Ne nyinaa-wɔ-biako platform te sɛ Mewayz wɔ app.mewayz.com ka CRM, invoicing, apam, ne nkitahodi bom, na ɛma wohu ade yiye wɔ adwumayɛ nkitahodi biara mu. Saa nnoɔma a ɛda adi yi ma ɛyɛ den kɛseɛ ma nsisifoɔ sɛ wɔde nsonsonoeɛ a ɛwɔ w’adwuma mu no bedi dwuma.