Advisory for APS School Students

Introduction

According to a new McAfee survey, 88% of American customers believe that cybercriminals will utilize artificial intelligence to "create compelling online scams" over the festive period. In the meanwhile, 31% believe it will be more difficult to determine whether messages from merchants or delivery services are genuine, while 57% believe phishing emails and texts will be more credible. The study, which was conducted in September 2023 in the United States, Australia, India, the United Kingdom, France, Germany, and Japan, yielded 7,100 responses. Some people may decide to cut back on their online shopping as a result of their worries about AI; among those surveyed, 19% stated they would do so this year. 

In 2024, McAfee predicts a rise in AI-driven scams on social media, with cybercriminals using advanced tools to create convincing fake content, exploiting celebrity and influencer identities. Deepfake technology may worsen cyberbullying, enabling the creation of realistic fake content. Charity fraud is expected to rise, leveraging AI to set up fake charity sites. AI's use by cybercriminals will accelerate the development of advanced malware, phishing, and voice/visual cloning scams targeting mobile devices. The 2024 Olympic Games are seen as a breeding ground for scams, with cybercriminals targeting fans for tickets, travel, and exclusive content.

AI Scams' Increase on Social Media

Cybercriminals plan to use strong artificial intelligence capabilities to control social media by 2024. These applications become networking goldmines because they make it possible to create realistic images, videos, and audio. Anticipate the exploitation of influencers and popular identities by cybercriminals. 

AI-powered Deepfakes and the Rise in Cyberbullying

The negative turn that cyberbullying might take in 2024 with the use of counterfeit technology is one trend to be concerned about. This cutting-edge technique is freely accessible to youngsters, who can use it to produce eerily convincing synthetic content that compromises victims' privacy, identities, and wellness.

In addition to sharing false information, cyberbullies have the ability to alter public photographs and re-share edited, detailed versions, which exacerbates the suffering done to children and their families. The study issues a warning, stating that deepfake technology would probably cause online harassment to take a negative turn. With this sophisticated tool, young adults may now generate frighteningly accurate synthetic content in addition to using it for fun. The increasing severity of these deceptive pictures and phrases can cause serious, long-lasting harm to children and their families, impairing their identity, privacy, and overall happiness.

Evolvement of GenAI Fraud in 2023

We simply cannot get enough of these persistent frauds and fake emails. People in general are now rather adept at [recognizing] those that are used extensively. But if they become more precise, such as by utilizing AI-generated audio to seem like a loved one's distress call or information that is highly personal to the person,  users should be much more cautious about them. The rise in popularity of generative AIs brings with it a new wrinkle, as hackers can utilize these systems to refine their attacks:

• Writing communications more skillfully in order to deceive consumers into sending sensitive information, clicking on a link, or uploading a file.
• Recreate emails and business websites as realistically as possible to prevent arousing concern in the minds of the perpetrators.
• People's faces and voices can be cloned, and deepfakes of sounds or images can be created that are undetectable to the target audience. a problem that has the potential to greatly influence schemes like CEO fraud.
• Because generative AIs can now hold conversations, and respond to victims efficiently.
• Conduct psychological manipulation initiatives more quickly, with less money spent, and with greater complexity and difficulty in detecting them. AI generative already in use in the market can write texts, clone voices, or generate images and program websites.

AI Hastens the Development of Malware and Scams

Even while artificial intelligence (AI) has many uses, cybercriminals are becoming more and more dangerous with it. Artificial intelligence facilitates the rapid creation of sophisticated malware, illicit web pages, and plausible phishing and smishing emails. As these risks become more accessible, mobile devices will be attacked more frequently, with a particular emphasis on audio and visual impersonation schemes.

Olympic Games: A Haven for Scammers

The 2024 Olympic Games are seen as a breeding ground for scams, with cybercriminals targeting fans for tickets, travel, and exclusive content. Cybercriminals are skilled at profiting from big occasions, and the buzz that will surround the 2024 Olympic Games around the world will make it an ideal time for scams. Con artists will take advantage of customers' excitement by focusing on followers who are ready to purchase tickets, arrange travel, obtain special content, and take part in giveaways. During this prominent event, vigilance is essential to avoid an invasion of one's personal records and financial data. 

Development of McAfee’s own bot to assist users in screening potential scammers and authenticators for messages they receive

Precisely such kind of technology is under the process of development by McAfee. It's critical to emphasize that solving the issue is a continuous process. AI is being manipulated by bad actors and thus, one of the tricksters can pull off is to exploit the fact that consumers fall for various ruses as parameters to train advanced algorithms. Thus, the con artists may make use of the gadgets, test them on big user bases, and improve with time.

Conclusion

According to the McAfee report, 88% of American customers are consistently concerned about AI-driven internet frauds that target them around the holidays. Social networking poses a growing threat to users' privacy. By 2024, hackers hope to take advantage of AI skills and use deepfake technology to exacerbate harassment. By mimicking voices and faces for intricate schemes, generative AI advances complex fraud. The surge in charitable fraud affects both social and financial aspects, and the 2024 Olympic Games could serve as a haven for scammers. The creation of McAfee's screening bot highlights the ongoing struggle against developing AI threats and highlights the need for continuous modification and increased user comprehension in order to combat increasingly complex cyber deception.

References

• https://www.fonearena.com/blog/412579/deepfake-surge-ai-scams-2024.html
• https://cxotoday.com/press-release/mcafee-reveals-2024-cybersecurity-predictions-advancement-of-ai-shapes-the-future-of-online-scams/#:~:text=McAfee%20Corp.%2C%20a%20global%20leader,and%20increasingly%20sophisticated%20cyber%20scams.
• https://timesofindia.indiatimes.com/gadgets-news/deep-fakes-ai-scams-and-other-tools-cybercriminals-could-use-to-steal-your-money-and-personal-details-in-2024/articleshow/106126288.cms
• https://digiday.com/media-buying/mcafees-cto-on-ai-and-the-cat-and-mouse-game-with-holiday-scams/

Introduction

The debate between free speech and social responsibility is one of the oldest, long-running debates in history. Free speech is considered to be at the heart of every democracy. It is considered the “mother” of all other freedoms, enshrined in Article 19(1)(a) of the Indian Constitution under Part III: Fundamental Rights. It takes various shapes and forms according to the sociopolitical context of society. Evelyn Beatrice Hall, a prominent English writer of the 19th century, laid the foundation of every democracy when she wrote in her book, "I disapprove of what you say, but I willdefend to the death your right to say it." The drastic misuse of social media to disseminate propaganda and fakenews makes it a marketplace of half-baked truth, becoming the antithesis ofwhat early philosophers dreamed of for a democratic modern age. Losethe ethics, and there you have it, the modern conceptualisation of freedom ofspeech and expression in the digital age. The right to freedom of speech andexpression is one of the most fundamental rights, but its exercise is notunfettered, and certain limits are placed upon this right under Art. 19 (2).Every right comes with a corresponding duty, and the exercise of such freedomalso puts the citizenry under the responsibility not to violate the rights ofothers and not to use the media to demean any other person.

SocialMedia: The New Public Square or a Weaponised Echo Chamber

InIndia, Art. 19(1)(a) of the constitution guarantees the right to freedom ofspeech and expression, but it is not absolute. Under Art. 19(2), this right issubject to reasonable restrictions in the interest of public order, decency,morality, and national security. This is construed as a freedom for everyindividual to freely express their opinions, but not to incite violence, spreadfalsehoods, or harm others’ dignity. Unfortunately, the boundaries betweenthese are increasingly blurred.

Thedissemination of unfiltered media and the strangulation of innocence by pushingoften vulgar and obscene content down the throats of individuals, withoutverifying the age and gender profile of the social media user, is a big farcein the name of free speech and a conscious attempt by the intermediaries andsocial media platforms such as Facebook, Instagram, Threads, etc., to wriggleout of their responsibility. A prime example is when Meta’s Mark Zuckerberg, on7th January 2025, gave a statement asserting less intervention into what peoplefind on its social media platforms as the new “best practice”. While lessinterference would have worked in a generation that merely operated on thediffering, dissenting, and raw ideas bred by the minds of differentindividuals, it is not the case for this day and age. There has been asignificant rise in cases where social media platforms have been used as abattleground for disputes, spreading communal violence, misinformation, anddisinformation.

Thereis no debate about the fact that social media platforms have fostered a globalexpression, making the world a global village, bringing everyone together. Onthe other hand, the platforms have become the epicentre of computer-basedcrimes, where children and teenagers often become prey to these crimes,cyberbullying, and cyberstalking.  

Rising Importance of Platform Accountability

Themost pertinent question that is to be asked with a conscious mind is whether anunregulated media is a reflection of Freedom of Speech, a right given to us byour constitution under Article. 19(1)(a), or whether free speech is just a garbby big stakeholders, and we are all victims of an impending infodemic andvictims of AI algorithms, because, as per the reports that surfaced during theCovid-19 pandemic, India saw a dramatic 214% rise in false information. Anotherreport by the UNESCO-Ipsos survey revealed that 85% of Indian respondentsencounter online hate speech, with around 64% pointing to social media as aprimary source.

While the focus on platform accountability is critical, it is equally important to recognise that the right to free speech is not absolute. Therefore, users also bear a constitutional responsibility while exercising this right. Free expression in a democratic society must be accompanied by civic digital behaviour, which includes refraining from spreading hate speech, misinformation, or engaging in harmful conduct online. The most recent example of this is the case of Ranveer Gautam Allahabadia vs. UOI (popularly known as “Latent Case”); the court came down heavily on the hosts and makers of the show and made its position crystal clear by stating, “there is nothinglike a fundamental right on platter...the fundamental rights are all followedby a duty...unless those people understand duty, there is no [...] deal withthat kind of elements...if somebody wants to enjoy fundamental rights, thiscountry gives a guarantee to enjoy, but guarantee is with a duty so thatguarantee will involve performing that duty also” .

The Way Forward: CyberPeace Suggests

In order to realise the benefits and derive the true benefits from the rights we are provided, especially the one in discussion, i.e., Freedom of Speech and Expression, the government and the designated intermediaries and regulators have to prepare both roadmaps, one for “Platform Accountability” and one for "User Accountability”, wherein the regulators with a reasonable foresight should conduct Algorithm Risk Audits which is a technique to make algorithms and there effects on content feeds visible. It can be an effective tool and an objective manner to compare how algorithms are automatically pushing different content to different users in an unfair or unbalanced way. As for user accountability, “Digital Literacy” is the way forward, ensuring that social media remains a marketplace of ideas and does not become a minefield of misfires.

Introduction:

With improved capabilities and evasion strategies, the Vultur banking Trojan has reappeared and is a serious danger to Android users. The virus now employs numerous encrypted payloads, encrypted communication, and poses as legitimate apps. It is transmitted by trojanized dropper programs on the Google Play Store. Vultur targets victims via phone calls and SMS messages. With the help of this updated version of Vultur, attackers may take total control of compromised devices. They can perform a variety of remote control operations like install, remove, upload, and download files, halt the execution of programs, and circumvent the lock screen. The virus is now far more hazardous than it was previously because of its improved capacity to remotely access and manipulate machines.

Overview: 

The Android banking malware Vultur is well-known for its ability to record screens. It was first identified by ThreatFabric in March 2021 and targets banking apps for remote control and keylogging.

The malicious apps were hosted on the Google Play Store by the Brunhilda dropper-framework, which was used for its distribution. Initial versions of the program used reputable remote access tools such as ngrok and AlphaVNC.

Hybrid attacks have been used in recent operations to disseminate the Brunhilda dropper via phone calls and SMS. The dropper uses a number of payloads to distribute an upgraded version of Vultur.

41 new Firebase Cloud Messaging (FCM) commands and seven new Command-and-Control (C2) methods are included in the most recent version of Vultur. 

With the help of Android's Accessibility Services, these enhancements concentrate on remote access functionality that improves the malware's capacity to communicate with the victim's screen.

Modus operandi of Attack:

Hybrid Attack Method:

• Utilizes a phone call, two SMS messages, and trick users into installing malware.

• First SMS tricks victims into calling a certain number by claiming to have made significant, unlawful transactions, which gives the impression of urgency.

• Although there was no transaction in reality, the urgency motivates victims to act quickly.

Trozonized MacAfee App:

• The victims are told to install a trojanized version of the McAfee Security program from a given link during the phone call.

• This app looks harmless and has features similar to the original McAfee Security app, but it's actually the Brunhilda dropper.

• The victims are misled into assuming that the security software they are installing is authentic.

Execution of Vultur Payloads:

• Three payloads connected to Vultur are decrypted and executed via the Brunhilda dropper.

• Threat actors can carry out a variety of malicious operations, including keylogging and screen recording, on the victim's mobile device thanks to these payloads, which grant them total access over it.

• The infected device of the victim allows the threat actors to launch additional assaults or obtain private data.

Indication of the attack:

The symptoms of a Vultur banking Trojan infection include:

• Remote Access: This malware gives the hacker the ability to remotely use the infected device via clicking, scrolling, and swiping through Android's accessibility services.

• File Management: Through this, the malware is able to copy, share, remove, create, and locate files from devices it has infected.

• App Blocking: For instance; the malicious software can be programmed to stop the victims from opening a certain bunch of apps.

• Custom Notifications: Attackers can embed the malware with the functionality of displaying the customized notifications in the taskbar.

• Keyguard Disabling: The malware may be designed to turn off Screen Lock Guard feature so the lock screen security measure can be easily bypassed.

• Encrypted C2 Communication: The malware chooses AES data encryption, with Base64 text encoding to provide hidden traces for C2 communication.

• Payload Decryption: The malware uses native code, mostly written in C as well as C++, to decode the goods, thus, making a process of reversing more complicated.

• Spying on Financial Apps: The malware uses screen-streaming and keylogging as ways of acquiring facts about the victim’s mobile banking applications.

Indicator of Compromise:

File hash (SHA-256)

• edef007f1ca60fdf75a7d5c5ffe09f1fc3fb560153633ec18c5ddb46cc75ea21
• 89625cf2caed9028b41121c4589d9e35fa7981a2381aa293d4979b36cf5c8ff2
• 1fc81b03703d64339d1417a079720bf0480fece3d017c303d88d18c70c7aabc3
• 4fed4a42aadea8b3e937856318f9fbd056e2f46c19a6316df0660921dd5ba6c5
• 001fd4af41df8883957c515703e9b6b08e36fde3fd1d127b283ee75a32d575fc
• fc8c69bddd40a24d6d28fbf0c0d43a1a57067b19e6c3cc07e2664ef4879c221b
• 7337a79d832a57531b20b09c2fc17b4257a6d4e93fcaeb961eb7c6a95b071a06
• 7f1a344d8141e75c69a3c5cf61197f1d4b5038053fd777a68589ecdb29168e0c
• 26f9e19c2a82d2ed4d940c2ec535ff2aba8583ae3867502899a7790fe3628400
• 2a97ed20f1ae2ea5ef2b162d61279b2f9b68eba7cf27920e2a82a115fd68e31f
• c0f3cb3d837d39aa3abccada0b4ecdb840621a8539519c104b27e2a646d7d50d
• 92af567452ecd02e48a2ebc762a318ce526ab28e192e89407cac9df3c317e78d
• fa6111216966a98561a2af9e4ac97db036bcd551635be5b230995faad40b7607
• dc4f24f07d99e4e34d1f50de0535f88ea52cc62bfb520452bdd730b94d6d8c0e
• 627529bb010b98511cfa1ad1aaa08760b158f4733e2bbccfd54050838c7b7fa3
• f5ce27a49eaf59292f11af07851383e7d721a4d60019f3aceb8ca914259056af
• 5d86c9afd1d33e4affa9ba61225aded26ecaeb01755eeb861bb4db9bbb39191c
• 5724589c46f3e469dc9f048e1e2601b8d7d1bafcc54e3d9460bc0adeeada022d
• 7f1a344d8141e75c69a3c5cf61197f1d4b5038053fd777a68589ecdb29168e0c
• fd3b36455e58ba3531e8cce0326cce782723cc5d1cc0998b775e07e6c2622160
• 819044d01e8726a47fc5970efc80ceddea0ac9bf7c1c5d08b293f0ae571369a9
• 0f2f8adce0f1e1971cba5851e383846b68e5504679d916d7dad10133cc965851
• fb1e68ee3509993d0fe767b0372752d2fec8f5b0bf03d5c10a30b042a830ae1a
• d3dc4e22611ed20d700b6dd292ffddbc595c42453f18879f2ae4693a4d4d925a
• f4d7e9ec4eda034c29b8d73d479084658858f56e67909c2ffedf9223d7ca9bd2
• 7ca6989ccfb0ad0571aef7b263125410a5037976f41e17ee7c022097f827bd74
• c646c8e6a632e23a9c2e60590f012c7b5cb40340194cb0a597161676961b4de0

Command and Control Servers

• safetyfactor[.]online
• cloudmiracle[.]store
• flandria171[.]appspot[.]com (FCM)
• newyan-1e09d[.]appspot[.]com (FCM)

Droppers distribution URL’s

• mcafee[.]960232[.]com
• mcafee[.]353934[.]com
• mcafee[.]908713[.]com
• mcafee[.]784503[.]com
• mcafee[.]053105[.]com
• mcafee[.]092877[.]com
• mcafee[.]582630[.]com
• mcafee[.]581574[.]com
• mcafee[.]582342[.]com
• mcafee[.]593942[.]com
• mcafee[.]930204[.]com

Steps to be taken when your device is compromised?.

• Change the password: Vultur revealed multiple cases where threat actors can gain access to your financial and private information. To safeguard your account, reset passwords on other devices and create secure, unique passwords during the time. Instead of simply storing your password, a reputed password manager is the most secure way of storing information.

• Keep an eye on your transactions and accounts: It is advised that you regularly monitor your online accounts for any unusual or illegal activity. Keep a watch out for any irregularities, and report anything suspicious to the provider or authorities straight immediately.. Also check your credit reports and scores attentively to make sure that your identity or cards are not compromised.

• Make sure you are using identity theft protection: Many pieces of information about your identity are stored in an Android device. Cyber criminals can easily get hold of this data and make major damage to you, including stealing your money and identity. For your own protection, some of the identity theft protection services that monitor all your personal information and notify you on any unusual activity and, as well, helps you to freeze your accounts would be beneficial.

• Immediately get in touch with your banks and credit card companies: Your personal information such as credit card or bank details is of high risk to be exposed to hackers who could use them to make transactions without you knowing. You should inform your credit card and the lending bank about the situation as soon as possible. They would help you if your cards were used for fraudulent charges and your card be either frozen or canceled. Besides, they can get new cards issued.

• Make your contacts alert regarding the fraud you faced: Threat actors may access your social media or email accounts to send phishing messages or spam to people in your contact list, if they gain access to them. Moreover, they may masquerade as you and try to extort cash from you or disclose your personal information. Distributing a message to your contacts stating that they shouldn’t open or reply to any messages that look like they are not from you and look very strange or suspicious, will be a great idea.

• Make a backup and wipe all your device content in factory settings: You can always factory reset your device to ensure it is free of viruses and spyware. In other words, it will refresh Android and leave behind all your data and settings. Back up all the critical data prior to processing it and assure that everything is restored from a trustworthy source only.

Preventive measures to be taken:

• Avoid calling back to the hacker: If a hacker texts you claiming to have approved a sizable bank transaction, refrain from picking up the phone. You can always check by making a call to your own financial intuition. However, never pick up on an unknown number that someone else sends you.

• Avoid sideloading apps and shortened URLs: Try to avoid sideloading apps. That's the moment when you install apps from unofficial sources. Users may be tricked into downloading malware using short URLs.

• Be careful granting permissions: Be cautious when allowing permissions for apps. Think about whether an app really needs access to specific data or device functions.

• Limit the apps you have on your phone: On your phone, having plenty of apps might sometimes make it easier to become infected with malware. Over time, these apps may allow harmful code to enter your system, and the more programs you have to update and monitor, the greater the risk to your Android device. This is how to remove pointless apps from your Android device.

• Download apps from reputable sources: Additionally, make sure the programs you download are from reputable and authorized developers. Do your homework and read reviews before you install.

• Keep your Android device updated: With the help of software and security upgrades, your phone can automatically maintain security. Remember to install them.

• Have good antivirus software on all your devices: The best defense against malware on all of your devices is to install antivirus software. By blocking you from clicking on potentially dangerous links, antivirus software can keep malware off your devices and keep hackers from accessing your personal data.

Conclusion:

Vultur is a terrifying banking Trojan with a great deal of sophistication. It's unsettling that hackers can take complete control of your Android device, which emphasizes how crucial it is that you take precautions. It all starts with a text message in these attacks. You must take the time to independently contact your banking institution to check whether there are any issues. You may prevent having your entire device compromised and your personal information exposed by simply investing an additional few minutes.

Reference:

• https://research.nccgroup.com/2024/03/28/android-malware-vultur-expands-its-wingspan/
• https://www.threatfabric.com/blogs/vultur-v-for-vnc\
• https://www.tomsguide.com/computing/malware-adware/this-nasty-android-banking-trojan-lets-hackers-completely-hijack-your-phone-how-to-stay-safe
• https://thehackernews.com/2024/04/vultur-android-banking-trojan-returns.html?m=1
• https://www.smallbiztechnology.com/archive/2024/04/vultur-trojan-heightens-android-app-security-risks.html/
• https://securityaffairs.com/161320/malware/vultur-banking-trojan-android.html
• https://www.malwarebytes.com/blog/detections/android-trojan-spy-vultur
• https://www.scmagazine.com/brief/updated-vultur-android-banking-trojan-emerges
• https://innovatecybersecurity.com/security-threat-advisory/windows-server-updates-blamed-for-domain-controller-crashes-kb5035855-and-kb5035857/

‍