A Muslim approach to AI "enhanced" fraud and scams

 From a Muslim perspective, AI and fraud are addressed under the broader Qur’anic and Prophetic commands about truthfulness, justice, and accountability to Allah, which make deception and exploitation absolutely forbidden and require that knowledge and technology serve human welfare, not harm it. AI is viewed as a permissible tool if used ethically, but its design and use must avoid lying, fraud, and oppression, and must reflect the values of honesty, fairness, and mercy.islamreligion+3

Core teachings on fraud and deception

The Qur’an strongly condemns fraud, especially cheating people in transactions and measurements, and warns of severe punishment for those who deceive others. Surah Al Mutaffifin begins, “Woe to those who give less [than due], who, when they take a measure from people, take in full, but when they give by measure or weight to them, they cause loss,” making fraud a major moral offense tied to denying the Day of Judgment. Classical discussions explain that “tatfif” (short measuring) includes all forms of cheating, misrepresentation, and taking more than one’s due.alquranclasses+3

The Prophet Muhammad is reported to have said, “He who cheats us is not one of us,” making deceit and fraud totally incompatible with true faith and character. Other narrations prohibit practices like artificial price inflation (najsh) and deceptive sales methods, emphasizing that honest trade and clear disclosure are expected of a sincere Muslim.islamawareness+3

Honesty, trust, and accountability

Islam teaches that a genuine Muslim is honest and upright in financial dealings, fulfills promises, and shuns fraud, false testimony, and unjust gain such as usury and graft. Tafsir literature on verses such as Qur’an 2:188 warns against consuming others’ wealth unjustly, through corruption, misrepresentation, or ambiguous contracts that lead to disputes. The emphasis is that Allah is always a witness, and every person will be held to account (ḥisāb) for how they earned and used wealth.maqasid+3

This means:

  • No use of any tool, including digital systems, to hide the truth, forge documents, or mislead others for gain.islamicencyclopedia.wordpress+1
  • Clear, transparent terms in agreements so that neither side is misled or pressured into unfair conditions.previous.quran
  • Viewing honesty not as optional virtue but as part of the believer’s identity and a condition for success in the Hereafter.islamkashmir+1

Islamic framing of AI and technology

Contemporary Muslim scholarship generally holds that new technologies like AI are permissible in principle, as long as their uses do not contradict clear Islamic prohibitions. Articles on AI and Islamic ethics stress that knowledge is not neutral: it must be tied to virtuous action, and any technology should aim at justice, welfare (maṣlaḥah), and mercy (raḥmah), not manipulation or corruption.islamexplained+3

From this angle:

  • AI should be aligned with the purposes of Shariah—protecting religion, life, intellect, lineage, and property—rather than undermining them.iqra+1
  • Systems that foster misinformation, deception, or hidden agendas violate the Qur’anic command to uphold truth and clarity.edelman+1
  • Developers and institutions bear moral responsibility for how AI affects real people, not just technical responsibility.yaqeeninstitute+1

Guarding against fraud and AI driven deception

Islamic teaching does not only forbid committing fraud; it encourages blocking the means to harm (sadd al dharā’iʿ) by preventing situations that invite deception. Modern Islamic analyses propose using this principle to regulate and test AI systems carefully before deployment, especially those that can impersonate humans or generate realistic but false content. This cautious, incremental approach aims to reduce abuse, such as scams, deepfakes, and manipulative profiling.maqasid+1

Practical implications include:

  • Designing AI to be transparent and auditable so that its decisions and outputs can be checked and corrected.maqasid
  • Putting safeguards against using AI for identity theft, fake religious guidance, financial scams, or doctored media that slanders people.edelman+1
  • Educating users, especially vulnerable groups, about the reality of AI generated deception so they can protect themselves and their property.diplomacy+1

Living with taqwa in a high tech world

Ultimately, the Muslim response centers on taqwa (God consciousness): remembering that Allah sees all, that every action is recorded, and that real success is in the Hereafter, not in clever gains through deceit. Islamic writers on AI emphasize that Muslims should seek beneficial knowledge, act with responsibility, and view technology as a means to serve creation and uphold justice, not as an end in itself. In daily life, that means combining technical literacy about AI with spiritual vigilance, honest conduct, and a firm refusal to participate in or profit from any form of fraud, whether analog or digital.islamreligion+4

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Resources: 

1. https://www.islamreligion.com/en/articles/11344/chapter-83-al-mutaffifin-those-who-deal-in-fraud

2. https://alquranclasses.com/fraud-holy-quran/

3. https://maqasid.org/blog/advanced-ai-and-the-moral-challenge-an-islamic-perspective/

4. https://islamexplained.info/2025/09/26/islam-on-artificial-intelligence/

5. https://qurangallery.app/topics/fraud-islam-tatfif-quran-7-85

6. https://podme.com/no/episode/3208426/

7. https://www.islamawareness.net/Honesty/honesty_article001.html

8. https://www.islamawareness.net/Honesty/honesty_article002.html

9. https://islambasics.com/chapter/prohibition-of-deceiving-others/

10. https://islamicencyclopedia.wordpress.com/tag/prohibited-in-islam/

11. http://islamkashmir.org/book/do-you-know-what-islam-is/ch-9/lesson-7-honesty-in-monetary-dealings.html

12. https://previous.quran.com/2:188/tafsirs/en-tafsir-maarif-ul-quran?locale=en

13. https://www.diplomacy.edu/blog/ai-in-islamic-and-arab-thinking-traditions/

14. https://iqra.study/navigating-the-intersection-of-ai-and-islamic-ethics-opportunities-challenges-and-collaborative-pathways/

15. https://www.edelman.com/apac/insights/gen-ai-islamic-perspective-reality-deception

16. https://yaqeeninstitute.org/read/post/how-yaqeen-institute-approaches-ai-integrating-technology-with-islamic-ethics

17. https://www.facebook.com/groups/344842331673798/posts/478082941683069/

18. https://www.islamicity.org/hadith/search/index.php?q=10933&sss=1

19. https://www.facebook.com/groups/1272540949815834/posts/2259288901141029/

20. https://www.internetmosque.net/quran/quraneng/83_w.html

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