朱佳俐：AI假图背后的博弈侵蚀网购信任基石

Core Viewpoint - The ongoing conflict between "wool party" fraudsters and e-commerce merchants is damaging the integrity of the e-commerce ecosystem, leading to increased costs and a decline in consumer trust [1][2][3] Group 1: Impact on Consumers - Honest consumers are directly affected by the actions of fraudsters, facing unpleasant shopping experiences due to excessive return tags and hidden costs, which ultimately raise prices [1] - The rise in trust costs is evident as consumers encounter barriers that diminish their shopping satisfaction [1] Group 2: Merchant Challenges - Merchants are caught in a dilemma, losing approximately 5% of their sales to malicious refunds while being cautious not to implement overly strict return policies that could deter genuine customers [1] - The increasing operational costs due to fraud and the need to maintain customer experience are significant challenges for merchants [1][2] Group 3: E-commerce Trust System - The trust system in e-commerce is eroding as the tactics of fraudsters and defensive measures by merchants escalate, leading to higher transaction and platform governance costs [2] - Industry statistics indicate that e-commerce platforms spend over 10 billion annually on dispute resolution, highlighting the resource wastage and potential threat to the digital economy [2] Group 4: Solutions and Recommendations - To break the deadlock, a more robust credit system and a renewed sense of contract spirit in the digital age are necessary, emphasizing the real-world value of virtual transactions [2] - E-commerce platforms should collaborate with AI companies to develop detection tools for identifying fake images, such as embedding invisible digital watermarks [2][3] - Implementing a two-way evaluation mechanism for users with multiple malicious refunds can enhance credit records, as demonstrated by a platform's "Integrity Purchase" plan that simplifies return processes for honest buyers [3] - Differentiated return policies based on product characteristics should be established to protect consumer rights while preventing rule abuse [3] - Legal responsibilities for using AI to forge evidence should be clarified to increase penalties and deter illegal activities [3]