CommBank unleashes ‘bot army' with Aussie accents to trap scammers
Listening to Linda Williams complain about her day while talking to a call centre operator as she fumbles around to find her credit card, it sounds like she's falling hook, line and sinker for an obvious scam.
The person on the other end of the line, who purports to be from a retailer's fraud department and initially addresses Williams as 'Madam', tells her that suspicious activity has been detected on her account – a Macbook Pro was purchased for $780, to be delivered to a Thailand address.
In an alarmed tone, Williams tells the operator that she lives in Sydney and never ordered the computer. The caller then informs Williams she can cancel the order, but that she'll need her credit card details to do so.
'All right gimme a sec, ah, sorry mate, let me try to, I think it's in my wallet, but it's been a crazy day and I'm not even sure I can do things right today,' Williams says. Moments later, she reads out her card details.
However, the scammer will never get any money out of her.
Williams can't be defrauded, because she doesn't exist.
She's an artificial intelligence-powered bot, part of a new army of fake personas with convincing voices and backstories as vulnerable Australians that will go into battle with criminals seeking to swindle people out of their money.
Williams' call was just one of what will be roughly 10,000 daily phone calls, and about 2500 text exchanges that the 'bot army' – which is an initiative from Commonwealth Bank and Macquarie University-born artificial intelligence firm Apate.ai – will conduct.

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West Australian
3 hours ago
- West Australian
From wages and parental leave to battery rebates, here's what's changing for new financial year
Minimum wage, superannuation and parental leave are all set for a shake-up next week as the new financial year is ushered in next week. From how you get paid to how much you'll be charged for electricity, there are plenty of changes in store and PerthNow spoke to two financial experts to break down what it will mean for you. From July 1, those on the national minimum wage will have their pay boosted by 3.5 per cent. The wage will be lifted to $24.95 per hour or $948 per week. About 2.9 million people will benefit from the boost. In Western Australia employees over the age of 21 will see a 3.75 per cent increase to the minimum wage, equivalent to $953.00 per week. Canstar data insights director Sally Tindall said the increase would be welcome but was unlikely to help everyone in need. 'This is a really important increase for those workers on the minimum wage and award wages,' she said. 'The cost-of-living crunch has really hit those on the lowest incomes the hardest, and this increase will help those people keep up with additional expenses. 'It's not a silver bullet ... this increase is incredibly welcomed but for some people it won't go far enough in helping them make the dollars and cents add up month after month.' Along with a pay increase for those making the least, all workers will now have more paid into their super accounts. From July 1, the mandatory minimum payment rate will be upped from 11.5 per cent to 12 per cent. The increase caps off the gradual rise in the super guarantee which has resulted in incremental rises from 9 per cent in 2013. Ms Tindall said the changes would be especially good news for younger people. 'More money will be going into people's super accounts, which means it will take the pressure off Australians when they hit retirement, knowing that they have a decent amount of money in super,' she said. 'It will impact younger Australians the most because they will be on that 12 per cent guarantee for a long period of time and see that nest egg grow. 'Not just from their employers contributions over time but also hopefully from the returns that are generated within the super fund over that time as well.' Expectant parents will be eligible for up to 24 weeks or 120 work days paid leave., if their child is born or adopted from July 1. It is an increase from the previous 110 days, and is part of a four-year move to boost the number of days to 130 by mid-2026. Secondary carers will now have 15 days of paid parental leave reserved for them as part of the total 120, up from 10. Both parents will also be able to take up to 20 days at the same time, up from 10. Those taking parental leave will also now be paid superannuation during their time off for the first time, equal to the superannuation guarantee rate. personal finance expert Sarah Megginson said families were benefitting from multiple changes. 'With the new hourly rate of minimum wage up ... that of course, impacts things like paid parental leave,' she said. 'If you're eligible for paid parental leave, it means that you'll be getting $948 per week for almost six months and you can share that between both parents.' It's not all good news come July 1. From next week West Australian households can expect to be slugged an extra 2.5 per cent for their utility bills. The change was confirmed in the 2025-26 State Budget which indicated that average household would pay nearly by nearly $100 more a year for their water and power. Motor vehicle charges, such as a registration fees and the cost of a driver's license, will increase by a total of 3.3 per cent. The Emergency Services Levy — an annual charge paid by all property owners — will also increase by 5 per cent. Ms Megginson said those doing it tough would not be looking forward to increased bills once again. 'Our bills have just been going up and up and up for many, many years and no one really has the appetite to hear they're going up again,' she said. 'But on July 1 we will see an increase to energy prices and it's not insubstantial. it's a pretty decent price hike and it depends where you live.' West Aussies are set to benefit from two battery rebates at once with the combining of State and Federal initiatives. Synergy customers will be able to claim up to $5000 for a rebate on their battery purchase while Horizon Power customers can claim up to $7500. For households with a combined salary of less than $210,000 they can also access no-interest loans of up to $10,000 with a repayment period of up to 10 years. Ms Tindall said while not everyone could afford to make the investment, the rebates were still likely to boost uptake. 'These battery incentives will help increase the take up of solar batteries and with the State Government combining with the Federal Government I do expect that that will see as a decent boost in WA,' she said. 'It is limited to people who can afford the cost of the battery, even with the rebate, and that to many families will be a difficult expense to have to stump up even with the rebates.'


Perth Now
3 hours ago
- Perth Now
Five huge changes to WA household budgets coming this week
Minimum wage, superannuation and parental leave are all set for a shake-up next week as the new financial year is ushered in next week. From how you get paid to how much you'll be charged for electricity, there are plenty of changes in store and PerthNow spoke to two financial experts to break down what it will mean for you. From July 1, those on the national minimum wage will have their pay boosted by 3.5 per cent. The wage will be lifted to $24.95 per hour or $948 per week. About 2.9 million people will benefit from the boost. In Western Australia employees over the age of 21 will see a 3.75 per cent increase to the minimum wage, equivalent to $953.00 per week. Canstar data insights director Sally Tindall said the increase would be welcome but was unlikely to help everyone in need. 'This is a really important increase for those workers on the minimum wage and award wages,' she said. 'The cost-of-living crunch has really hit those on the lowest incomes the hardest, and this increase will help those people keep up with additional expenses. 'It's not a silver bullet ... this increase is incredibly welcomed but for some people it won't go far enough in helping them make the dollars and cents add up month after month.' Canstar data insights director Sally Tindall said a number of changes on July 1 would help household's bottom line. Credit: Supplied Along with a pay increase for those making the least, all workers will now have more paid into their super accounts. From July 1, the mandatory minimum payment rate will be upped from 11.5 per cent to 12 per cent. The increase caps off the gradual rise in the super guarantee which has resulted in incremental rises from 9 per cent in 2013. Ms Tindall said the changes would be especially good news for younger people. 'More money will be going into people's super accounts, which means it will take the pressure off Australians when they hit retirement, knowing that they have a decent amount of money in super,' she said. 'It will impact younger Australians the most because they will be on that 12 per cent guarantee for a long period of time and see that nest egg grow. 'Not just from their employers contributions over time but also hopefully from the returns that are generated within the super fund over that time as well.' Expectant parents will be eligible for up to 24 weeks or 120 work days paid leave., if their child is born or adopted from July 1. It is an increase from the previous 110 days, and is part of a four-year move to boost the number of days to 130 by mid-2026. Secondary carers will now have 15 days of paid parental leave reserved for them as part of the total 120, up from 10. Both parents will also be able to take up to 20 days at the same time, up from 10. Those taking parental leave will also now be paid superannuation during their time off for the first time, equal to the superannuation guarantee rate. personal finance expert Sarah Megginson said families were benefitting from multiple changes. 'With the new hourly rate of minimum wage up ... that of course, impacts things like paid parental leave,' she said. 'If you're eligible for paid parental leave, it means that you'll be getting $948 per week for almost six months and you can share that between both parents.' personal finance expert Sarah Megginson. Credit: Supplied It's not all good news come July 1. From next week West Australian households can expect to be slugged an extra 2.5 per cent for their utility bills. The change was confirmed in the 2025-26 State Budget which indicated that average household would pay nearly by nearly $100 more a year for their water and power. Motor vehicle charges, such as a registration fees and the cost of a driver's license, will increase by a total of 3.3 per cent. The Emergency Services Levy — an annual charge paid by all property owners — will also increase by 5 per cent. Ms Megginson said those doing it tough would not be looking forward to increased bills once again. 'Our bills have just been going up and up and up for many, many years and no one really has the appetite to hear they're going up again,' she said. 'But on July 1 we will see an increase to energy prices and it's not insubstantial. it's a pretty decent price hike and it depends where you live.' West Aussies are set to benefit from two battery rebates at once with the combining of State and Federal initiatives. Synergy customers will be able to claim up to $5000 for a rebate on their battery purchase while Horizon Power customers can claim up to $7500. For households with a combined salary of less than $210,000 they can also access no-interest loans of up to $10,000 with a repayment period of up to 10 years. Ms Tindall said while not everyone could afford to make the investment, the rebates were still likely to boost uptake. 'These battery incentives will help increase the take up of solar batteries and with the State Government combining with the Federal Government I do expect that that will see as a decent boost in WA,' she said. 'It is limited to people who can afford the cost of the battery, even with the rebate, and that to many families will be a difficult expense to have to stump up even with the rebates.'


West Australian
6 hours ago
- West Australian
Janine Leafe: Are you a FIFO worker? Here's your essential tax-time tool kit
As the end of the financial year rolls in, most Australians start sifting through receipts and cringing at the thought of tax time. But for WA's fly-in, fly-out workforce, EOFY isn't just about ticking the tax-return box — it's a golden opportunity to assess your financial strategy and set yourself up for long-term security. With high earning potential, complex income structures, time away from home, and often a lack of routine financial planning, it's essential to approach EOFY with a clear plan for the next 12 months. Here's a practical EOFY checklist designed to help FIFO workers make the most of their money: Most FIFO workers earn above-average incomes, which can push them into higher tax brackets. That's why it's crucial to gather income information such as PAYG summaries, interest statements, dividends and rental income if applicable. If you've worked multiple contracts or sites throughout the year, don't forget to declare all sources. The Australian Taxation Office is increasingly emphasising data-matching, so accuracy is your best ally. Working remotely often means hefty out-of-pocket costs. Depending on your role and circumstances, you may be entitled to claim expenses such as: Remember, the ATO has tightened its rules regarding deduction claims, so keeping solid records like receipts and logbooks is key. I'd suggest using a tool to collate all the receipts throughout the financial year, such as the free app ReceiptHub for any employment-related expenses. You can also Google a list of possible deductions for your role/industry to make sure you haven't missed anything. Some FIFO employees receive LAFHA as part of their package. This can help offset additional costs incurred while working away, such as meals and accommodation. But it's not always tax-free, and eligibility varies, so check with your employer and tax agent to make sure it's correctly reported. Many FIFO workers don't realise they could be eligible to boost their retirement savings and reduce taxable income through voluntary contributions. If you haven't hit your concessional contribution cap $30,000 this financial year, there might be room to top up. Engage a financial adviser or accountant for advice on this and how much is required to reach this target. According to the ATO website, personal contributions may be tax-deductible, and if your partner earns less than $40,000, spouse contributions can offer extra tax benefits. This is dependent on your savings position and maximised by those with significant savings balances. Here's where I lean in as a mortgage broker. EOFY is the perfect time to take a closer look at your existing loans, whether it's your mortgage, investment property finance, or even personal loans. With interest rates fluctuating, even a small rate change can lead to big savings across a high-value loan. For FIFO clients, I often recommend offset accounts or redraw features to keep cash flow flexible between swings and rosters. Have a plan. As a FIFO worker, you're sacrificing time at home, often in tough conditions, to build a better future. So make EOFY your reset button. Those who fail to plan, plan to fail. It begins with a step-by-step approach. Pay off small debts, as personal debt quickly diminishes cash flow. Pay down your owner-occupied mortgage to a reasonable level that could be maintained if you left FIFO employment to work locally. Then use any additional cash flow to invest and/or save. Navigating income tax, investment strategy, and home loan reviews is a full-time job. Seek a combination of independent advice from a good accountant, financial adviser, and mortgage broker to help you act on smart strategies. Many FIFO workers don't work weekday office hours, but FIFO finance specialists offer after-hours consultations and digital meetings to help you stay on top of your finances. Your position is unique, so please don't take financial advice from your colleagues on site. Context is everything. And remember, engaging in independent and collaborative advice from your broker, accountant and financial planner increases the likeliness of achieving your goals and sets you up for financial success. Janine Leafe is a FIFO finance specialist and director of Fluoro Finance