{"id":4197,"date":"2026-07-15T12:22:29","date_gmt":"2026-07-15T10:22:29","guid":{"rendered":"https:\/\/www.plus.hr\/blog\/?p=4197"},"modified":"2026-11-06T08:45:08","modified_gmt":"2026-11-06T07:45:08","slug":"ai-phishing-u-2026-kako-umjetna-inteligencija-mijenja-online-prevare","status":"publish","type":"post","link":"https:\/\/www.plus.hr\/blog\/2026\/07\/15\/ai-phishing-u-2026-kako-umjetna-inteligencija-mijenja-online-prevare\/","title":{"rendered":"AI phishing u 2026: Kako umjetna inteligencija mijenja online prevare"},"content":{"rendered":"<p>Generalno gledaju\u0107i, phishing napadi koriste obmanjuju\u0107e poruke koje su na izgled do\u0161le iz pouzdanih izvora kako bi prevario \u017ertve da otkriju osjetljive podatke poput podataka za prijave, lozinki ili karti\u010dnih podataka.<\/p>\n<p>Napada\u010di koriste sofisticirane metode, uklju\u010duju\u0107i la\u017ene domene, la\u017ene web stranice, a u dana\u0161nje vrijeme i AI kako bi izvr\u0161ili napade putem e-maila, SMS-a, telefonskih poziva i dru\u0161tvenih mre\u017ea.<\/p>\n<p>Phishing je oduvijek bio jedan od naj\u010de\u0161\u0107ih i najopasnijih oblika kiberneti\u010dkog kriminala, no s pojavom umjetne inteligencije (engl. AI), phishing prevare postaju pametnije, br\u017ee i te\u017ee ih je otkriti nego prije. U dana\u0161nje vrijeme napada\u010di koriste alate umjetne inteligencije kako bi izradili uvjerljive e-mail poruke, klonirali web stranice pa \u010dak i generirali ljudske glasove s namjerom otkrivanja osjetljivih informacija.<\/p>\n<p>Ovaj \u010dlanak opisuje nastanak phishinga, kako rast umjetne inteligencije mijenja oblik prijetnji te na koji na\u010din mo\u017eete za\u0161titi sebe i svoju organizaciju od phishing napada.<\/p>\n<p>&nbsp;<\/p>\n<h2>Phishing napadi &#8211; nekada i sada<\/h2>\n<p>Tradicionalne phishing prijevare zapo\u010dele su generi\u010dkim masovnim email porukama koje su \u010desto bile jako lo\u0161e napisane. Naj\u010de\u0161\u0107i naslovi phishing poruka osmi\u0161ljeni su tako da izazovu hitnost, strah ili znati\u017eelju, a \u010desto se maskiraju u obavijesti poznatih institucija. Tako smo se znali susretati s nekoliko vrsta phishinga koji bi se mogli kategorizirati u nekoliko kategorija:<\/p>\n<ul>\n<li>Banke i druge financijske institucije:, npr. &#8220;Upozorenje: Neovla\u0161teni pristup va\u0161em bankovnom ra\u010dunu.<\/li>\n<li>Dostava paketa i kurirska slu\u017eba, npr. \u201cA\u017eurirajte svoju adresu u roku 24 h&#8230;\u201d<\/li>\n<li>Ra\u010duni, pretplate i poslovni servisi, npr. \u201cObavijest o isteku pretplate: [naziv usluge]\u201d<\/li>\n<li>Sigurnost i kra\u0111a identiteta, npr. &#8220;Molimo potvrdite svoju lozinku radi sigurnosnih razloga\u201d<\/li>\n<li>Nagrade i financijski dobitci, npr. \u201c\u010cestitamo! Osvojili ste vrijednu nagradu. Preuzmite je ovdje.&#8221;<\/li>\n<\/ul>\n<p>Nekada su se phishing poruke oslanjale na koli\u010dinu, a ne na sofisticiranost te ih je ve\u0107ina korisnika lako uo\u010dila zbog o\u010ditih gramati\u010dkih pogre\u0161aka, sumnjivih poveznica i neobi\u010dnih email adresa po\u0161iljatelja.<\/p>\n<p>S vremenom su napada\u010di usavr\u0161ili taktike te su po\u010deli koristiti ciljane napade (engl. Spear phishing) koji su usmjereni na to\u010dno odre\u0111enu osobu ili tvrtku te vrstu napada koji je ciljao rukovode\u0107e osobe (engl. Whale phishing) u tvrtkama kako bi otkrili \u0161to vi\u0161e povjerljivih poslovnih informacija.<\/p>\n<p>Danas je uz pomo\u0107 umjetne inteligencije i strojnog u\u010denja phishing dosegnuo potpuno novu razinu preciznosti te phishing poruke mogu biti personalizirane, napisane dobrim jezikom i dizajnirane tako da izbjegnu \u010dak i naprednije filtere ne\u017eeljene po\u0161te.<\/p>\n<p>&nbsp;<\/p>\n<h2>Kako AI transformira phishing napade<\/h2>\n<p>U dana\u0161njem svijetu umjetna inteligencija zna\u010dajno je promijenila pravila igre u podru\u010dju phishing napada. Umjetna inteligencija omogu\u0107uje napada\u010dima brzu analizu podataka, personalizaciju poruka te stvaranje realisti\u010dnog sadr\u017eaja tako \u0161to nude mo\u0107ne alata za:<\/p>\n<ul>\n<li>Prikupljanje podataka gdje napada\u010di koriste umjetnu inteligenciju za prikupljanje podataka s dru\u0161tvenih mre\u017eai drugih mjesta, a alatima za strojno u\u010denje obra\u0111uju te podatke kako bi razumjeli ulogu i interese osobe.<\/li>\n<li>Hiperpersonalizaciju to zna\u010di da se e-mail poruke prilago\u0111avaju primatelju, npr. nedavne kupnje, nadolaze\u0107i poslovnog dogovori i sl.<\/li>\n<li>Generiranje realisti\u010dnog sadr\u017eaja pri \u010demu jezi\u010dne mogu\u0107nosti umjetne inteligencije omogu\u0107uju gramati\u010dki to\u010dne poruke tako \u0161to opona\u0161aju stilove pisanja te stvaraju uvjerljiv tekst i slike koji pobolj\u0161avaju kvalitetu phishing poruka.<\/li>\n<li>Generiranje krivotvorenih multimedijskih sadr\u017eaja (engl. Deepfake) \u0161to napada\u010dima omogu\u0107uje generiranje video i audio sadr\u017eaja kojima predstavljaju rukovoditelje, dostavlja\u010de i sl. kako bi \u017ertvu uvjerili da poduzme odre\u0111enu radnju u korist napada\u010da.<\/li>\n<li>Automatizaciju procesa, koji su nekada trajali po nekoliko sati, danas umjetna inteligencija obavi \u010dak i u nekoliko minuta pri \u010demu znatno olak\u0161ava generiranje velikog broja phishing napada uz minimalan napor.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Kako otkriti AI-Phishing prije nego bude prekasno?<\/h2>\n<p>Kao \u0161to smo mogli pro\u010ditati, phishing napadi su umjetnom inteligencijom jako uznapredovali pa nam samo otkrivanje zahtjeva ve\u0107u budnost i kriti\u010dko razmi\u0161ljanje. U nastavku slijedi nekoliko stvari na koje bismo trebali obratiti pozornost:<\/p>\n<ul>\n<li>Neo\u010dekivana hitnost ili emocionalni okida\u010di. Napada\u010di stvaraju osje\u0107aj hitnosti, npr. \u201cVa\u0161 ra\u010dun \u0107e biti deaktiviran\u201d<\/li>\n<li>Nedosljednost u stilu i tonu. Umjetna inteligencija dosta \u010desto koristi formalni jezik pa se mo\u017ee raspoznati u odnosu na pisanje nekog stvarnog kontakta.<\/li>\n<li>Neuskla\u0111eni URLovi i e-mail adresa. Phishing se naj\u010de\u0161\u0107e \u0161alje s nepoznatih email adresa koje se mogu otkriti u zaglavlju e-mail poruke. Tako\u0111er, poveznice koje se koriste u mailovima nisu povezane s brendom\u00a0 na koji se phishing poziva.<\/li>\n<li>Zahtjevi za povjerljivim informacijama. Legitimne organizacije ne tra\u017ee povjerljive podatke (lozinke, PIN) putem e-mailova, telefona ili drugih kanala komunikacije.<\/li>\n<li>Glasovi ili videozapisi generirani AI-om. Multimedijalni sadr\u017eaj generiran umjetnom inteligencijom mo\u017ee izgledati neprirodno pa je svakako bitno izo\u0161triti vid i provjeriti legitimnost sadr\u017eaja s pomo\u0107u drugih izvora.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Mjere opreza od AI-Phishinga<\/h2>\n<p>Jako je va\u017eno naglasiti kako u doba umjetne inteligencije treba biti jako oprezan te kada zaprimite sumnjivu e-mail poruku:<\/p>\n<ol>\n<li>Vi\u0161e puta provjerite adrese i URL-ove po\u0161iljatelja. Ako postoji sumnja, izravno se obratite po\u0161iljatelju putem slu\u017ebenih kanala.<\/li>\n<li>Koristite dvostruku autentifikaciju za prijave na mailove, servise i gdje god postoji ta mogu\u0107nost.<\/li>\n<li>Redovito a\u017eurirajte svoje programe i alate sa kojima radite.<\/li>\n<li>Ograni\u010dite dijeljenje na dru\u0161tvenim mre\u017eama.<\/li>\n<li>Unutar organizacije provoditi redovite obuke zaposlenika o va\u017enosti i dizanju svijesti o sigurnosti.<\/li>\n<\/ol>\n<p>Iako umjetna inteligencija napada\u010dima omogu\u0107uje sofisticiranije metode prijevare, informiranost, oprez i edukacija i dalje ostaju najva\u017enija linija obrane. Upravo zato je va\u017eno razvijati sigurnosnu svijest i kriti\u010dko razmi\u0161ljanje pri svakodnevnom kori\u0161tenju digitalnih alata.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Generalno gledaju\u0107i, phishing napadi koriste obmanjuju\u0107e poruke koje su na izgled do\u0161le iz pouzdanih izvora kako bi prevario \u017ertve da otkriju osjetljive podatke poput podataka za prijave, lozinki ili karti\u010dnih podataka. Napada\u010di koriste sofisticirane metode, uklju\u010duju\u0107i la\u017ene domene, la\u017ene web stranice, a u dana\u0161nje vrijeme i AI kako bi izvr\u0161ili napade putem e-maila, SMS-a, telefonskih [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3897,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[39,185,201,235],"class_list":["post-4197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sigurnost","tag-ai","tag-phishing","tag-prevara","tag-sigurnost"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AI phishing u 2026.: kako prepoznati nove prevare - Plus Hosting<\/title>\n<meta name=\"description\" content=\"Napada\u010di koriste AI za uvjerljive e-mailove, la\u017ene stranice i klonirane glasove. 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