Given all the negative comments here - what is anyone's alternate solution for AI-driven fraudulent activity?

CAPTCHAs are increasingly ineffective. Services are either going to go offline or implement some kind of system like this. PII like credit cards or SSNs aren't enough because those are regularly stolen.

So where do things go? Fewer services and infinite fraud?

Yes, fewer services and infinite fraud is substantially better to me than the web being controlled by Google even more than it already is.

> Given all the negative comments here - what is anyone's alternate solution for AI-driven fraudulent activity?

A combination of "regulate AI" and "The optimal amount of fraud is not zero". https://www.bitsaboutmoney.com/archive/optimal-amount-of-fra...

Why do you continue to extend the benefit of the doubt to your former employer when they have shown themselves to be untrustworthy again and again?

CAPTCHA is sort of a flawed concept in the first place. a machine to test if another agent is a machine. But I figure the future of this is give the test, but discard the answer, the truth is in how it is answered, behavioral analyses, see if their access patterns are human or machine like. A simple version of which is how fast they type, or speed items are clicked. A surveillance process that really creeps me out. I am undecided if it creeps me out more or less than fully automated agents spewing shit over the open web.

As a footnote i found googles recaptcha bitterly ironic, it was painted it in bright colors "this data assists in book scanning" or "this help our self driving cars recognize stop signs" but really designed to train models to do exactly what it's trying to prevent them from doing. and making life hell for the humans along the way. The modern single click version is doing behavioral analyses.

This doesn’t even solve the problem thanks to device farms. There’s not really a solution for this short of aiming a camera at someone’s retina 24/7 plus a fully locked down hardware path. And even that would surely be compromised given enough incentives.

People are just going to have to find a new way to monetize. Maybe more things will become paywalled, or sponsored long-term like old TV shows. Again, there’s no good way to solve this, and the “solutions” on offer just contribute to the surveillance state without solving the problem.

I don't know which activity you're referring to, but why are you trying to discriminate between humans and bots? Because bots don't pay? So demand payment.. Demand like payment per account creation, then set appropriate rate limits per account.

Captchas were never effective. It’s an arms race to the bottom.