Google DeepMind 4 min

Google DeepMind and Singapore Government collaborate to build fine-tuned AI model for scam detection

🔗 https://deepmind.google/blog/on-device-ai-scam-detection-mddi/

📌 【Google DeepMind】新加坡打造裝置端詐騙偵測 AI

TL;DR:DeepMind 與新加坡政府微調 Gemma 模型,在手機上即時偵測詐騙且不上雲。

🎣 詐騙已佔新加坡所有報案犯罪的一半以上,而且越來越難防:攻擊者不再靠粗糙的釣魚訊息,而是先用一段看似正常的對話建立信任,再伺機要錢。Google DeepMind 選擇用一個反直覺的方式應對——讓 AI 偵測模型完全跑在手機裡,連政府和 Google 自己都看不到對話內容。

🤔 詐騙手法已經進化成社會工程

根據 Google DeepMind 的部落格,投資詐騙、假工作邀約、冒充公職人員等詐騙類型,佔新加坡報案犯罪的一半以上,自 2019 年以來造成超過新加坡幣 40 億元的損失。這類利用對話逐步操控受害者的社會工程手法,如今佔所有詐騙損失的比例最高達 80%。作為 Google DeepMind 與新加坡政府「National AI Partnership」的一環,DeepMind 與新加坡政府科技局(GovTech Singapore)合作,微調出一套具隱私保護特性、可在裝置端運行的詐騙偵測模型。

🧩 為什麼要搬到裝置端

通用型模型往往難以辨識在地化的詐騙話術,這是促使團隊微調模型的原因。團隊以 Google 的輕量模型 Gemma 為基礎,用在地詐騙對話進行微調,涵蓋冒充公家機構、銀行、地方人物,以及當下流行的區域詐騙手法,讓模型能分辨「一般閒聊」與「真正的操控意圖」。與傳統依賴伺服器端雲端掃描訊息的威脅偵測方式不同,這套模型直接在裝置上處理對話資料,能更快分析對話模式、在使用者金錢或帳密曝險之前發出警示。導入會與新加坡政府分階段合作推行,且模型只會在使用者同意、並依照所屬應用程式使用條款的前提下,存取裝置端的對話內容;由於模型完全在裝置上運行,新加坡政府與 Google 都無法透過此部署存取使用者的對話。GovTech Singapore 信任與安全總監 Mark Chen 表示,打擊詐騙不該以犧牲個人隱私為代價,與 Google DeepMind 合作把進階 AI 防護直接帶到公民的裝置上,讓團隊能即時攔截高度針對性的在地詐騙嘗試,同時保持個人通訊的私密性。

📊 兩階段的運算管線

在現代智慧型手機上跑一個複雜的詐騙分類模型並不容易,電池續航是主要考量。團隊因此設計了兩階段管線:第一階段由一個輕量、低耗能的分類器篩選收到的訊息,專注於抓出潛在威脅;第二階段則由微調後的 Gemma 模型對更大範圍的對話片段做情境分析,確認是真正的威脅還是誤判。當模型偵測到帶有操控性的對話模式時,會直接在使用者裝置上觸發即時警示,提醒使用者在分享敏感資訊或資金前先暫停並保持警覺。

⚠️ 開發過程的治理機制

這項合作在新加坡國際網路週(SICW 2026)上公開,團隊強調整個開發過程遵循嚴格治理:微調作業在 GovTech Singapore 自行管理維護的 GCP 環境(「Sovereign Sandbox」)中進行,訓練資料保持隔離;訓練資料嚴格排除任何私人或可識別個人身分的資訊,僅使用源自詐騙報告與情資來源的匿名化資料集;模型也針對合成對話與在地語料做壓力測試,以涵蓋多樣的詐騙類型與不斷演變的冒充手法。

🎯 實務啟示

這個案例示範了一種「模型能力下放到終端」的務實路線:當隱私與安全防護看起來互斥時,用小型微調模型 + 裝置端推論的架構,是個值得參考的折衷方案,尤其適合做端對端加密通訊平臺上的風險偵測。對正在評估輕量模型微調專案的團隊,這也是一個 Gemma 這類開源權重模型在真實政府級場景落地的具體範例。Google DeepMind 表示未來會分享更多合作細節,並評估將類似技術部署到其他國家的可能性。

🔗 來源

#GoogleDeepMind #Gemma #OnDeviceAI #ScamDetection #AISafety #Privacy #Singapore #GovTech #EdgeAI #ResponsibleAI

原始資料 Google DeepMind · 收集於 2026-10-14
來源原標題
Google DeepMind and Singapore Government collaborate to build fine-tuned AI model for scam detection
機構
Google DeepMind
原始連結
https://deepmind.google/blog/on-device-ai-scam-detection-mddi/

摘要原文

October 14, 2026 Responsibility & Safety Google DeepMind and Singapore Government collaborate to build fine-tuned AI model for scam detection JJ Geewax and Miguel de Andrés Collaborating with the Government Technology Agency of Singapore (GovTech Singapore) to protect users without compromising privacy. Scams, such as investment fraud, fake job offers, and impersonation of public officials make up over half of Singapore’s reported crimes, and account for more than S$4 billion in losses since 2019 . At the same time, scam tactics have shifted from simple phishing to complex social engineering, whereby attackers manipulate victims with convincing conversations before requesting money. Such scams now account for up to 80% of all losses. To address this, Google DeepMind and the Government Technology Agency of Singapore (GovTech Singapore) have been working together as part of our National AI Partnership with the Singapore Government. Together, we've fine-tuned a privacy-preserving, on-device scam detection model. On-device AI protection without compromising privacy Generic models often struggle with local deception techniques, making scam detection harder. To address this, Google’s lightweight Gemma model was fine-tuned on local scam conversations. These ranged from impersonations of public institutions, banks, and local figures, to trending regional schemes. This ensures the fine-tuned model will be able to distinguish benign social chatter from genuine manipulation when deployed in applications installed by citizens. Unlike traditional threat detection, which relies on server-side scanning of messages in the cloud, this model can process conversation data directly on-device. When integrated into applications, this will allow faster analysis of conversation patterns to detect manipulative intent and help citizens act before financial or credential exposure can occur. The roll out of the model within applications will be carefully phased and developed in partnership with the Singapore Government. When deployed, the model will only be able to access on-device conversations with the user's consent, in accordance with the terms of use of that application. As the model runs entirely on-device, neither the Singapore Government nor Google, will be able to access users’ conversations through its deployment. Fighting scams shouldn't mean sacrificing personal privacy. Working with Google DeepMind, we're bringing advanced AI protection directly onto citizens' devices. This allows us to catch highly targeted, local scam attempts in real time while keeping personal communications private. Mark Chen Director, Trust and Safety, GovTech Singapore Under the hood: local context and edge efficiency When the model detects manipulative conversational patterns, it triggers a real-time warning directly on the user's device advising them to pause and exercise caution before sharing sensitive information or funds. Running a complex scam classifier model on modern smartphones is no easy task, with battery efficiency being a critical area of concern. To do this, we're relying on a two-stage pipeline: Stage 1: A lightweight, efficient classifier screens inbound messages, using minimal power, focused on catching potential threats. Stage 2: In-context analysis with our fine-tuned Gemma model, where we analyze a larger snapshot of the conversation to confirm a threat or discard a false alarm. Built on strict governance Presented at Singapore International Cyber Week (SICW 2026), this collaboration provides a model for messaging platforms balancing user protection with end-to-end encryption. Strict governance was maintained throughout development: Sovereign Sandbox: Fine-tuning took place within GovTech Singapore's managed and maintained GCP environment, keeping training data isolated. No Citizen Data: Training strictly excluded private or personally identifiable information, utilising anonymised datasets derived from scam reports and intelligence feeds. Stress-Testing: The model was tested against synthetic dialogues and local corpora to cover diverse scam categories and evolving impersonation tactics. The future of on-device safety The project demonstrates how AI can help counter criminality without compromising safety or privacy. It also shows how governments and model providers can work together to build tech for public good. With this lightweight, on-device model, we've proven the ability for local, real-time scam detection while ensuring chat interactions remain secure. We look forward to sharing more soon on our collaboration with the Singapore government, as well as exploring the potential for similar technology to be deployed in other countries.

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