#FactCheck - AI-Generated Image Falsely Shows Mohammed Siraj Offering Namaz During Net Practice

Introduction

AI has penetrated most industries and telecom is no exception. According to a survey by Nvidia, enhancing customer experiences is the biggest AI opportunity for the telecom industry, with 35% of respondents identifying customer experiences as their key AI success story. Further, the study found nearly 90% of telecom companies use AI, with 48% in the piloting phase and 41% actively deploying AI. Most telecom service providers (53%) agree or strongly agree that adopting AI would provide a competitive advantage. AI in telecom is primed to be the next big thing and Google has not ignored this opportunity. It is reported that Google will soon add “AI Replies” to the phone app’s call screening feature. 

How Does The ‘AI Call Screener’ Work?

With the busy lives people lead nowadays, Google has created a helpful tool to answer the challenge of responding to calls amidst busy schedules. Google Pixel smartphones are now fitted with a new feature that deploys AI-powered calling tools that can help with call screening, note-making during an important call, filtering and declining spam, and most importantly ending the frustration of being on hold.  

In the official Google Phone app, users can respond to a caller through “new AI-powered smart replies”. While “contextual call screen replies” are already part of the app,  this new feature allows users to not have to pick up the call themselves. 

• With this new feature,  Google Assistant will be able to respond to the call with a customised audio response.
• The Google Assistant, responding to the call, will ask the caller’s name and the purpose of the call. If they are calling about an appointment, for instance, Google will show the user suggested responses specific to that call, such as ‘Confirm’ or ‘Cancel appointment’.

Google will build on the call-screening feature by using a “multi-step, multi-turn conversational AI” to suggest replies more appropriate to the nature of the call. Google’s Gemini Nano AI model is set to power this new feature and enable it to handle phone calls and messages even if the phone is locked and respond even when the caller is silent.

Benefits of AI-Powered Call Screening

This AI-powered call screening feature offers multiple benefits:

1. The AI feature will enhance user convenience by reducing the disruptions caused by spam calls. This will, in turn, increase productivity.
2. It will increase call privacy and security by filtering high-risk calls, thereby protecting users from attempts of fraud and cyber crimes such as phishing.  
3. The new feature can potentially increase efficiency in business communications by screening for important calls, delegating routine inquiries and optimising customer service. 

Key Policy Considerations

Adhering to transparent, ethical, and inclusive policies while anticipating regulatory changes can establish Google as a responsible innovator in AI call management. Some key considerations for AI Call Screener from a policy perspective are:

1. The AI screen caller will process and transcribe sensitive voice data, therefore, the data handling policies for such need to be transparent to reassure users of regulatory compliance with various laws. 
2. AI has been at a crossroads in its ethical use and mitigation of bias. It will require the algorithms to be designed to avoid bias and reflect inclusivity in its understanding of language. 
3. The data that the screener will be using is further complicated by global and regional regulations such as data privacy regulations like the GDPR, DPDP Act, CCPA etc., for consent to record or transcribe calls while focussing on user rights and regulations. 

Conclusion: A Balanced Approach to AI in Telecommunications

Google’s AI Call Screener offers a glimpse into the future of automated call management, reshaping customer service and telemarketing by streamlining interactions and reducing spam. As this technology evolves, businesses may adopt similar tools, balancing customer engagement with fewer unwanted calls. The AI-driven screening will also impact call centres, shifting roles toward complex, human-centred interactions while automation handles routine calls. They could have a potential effect on support and managerial roles. Ultimately, as AI call management grows, responsible design and transparency will be in demand to ensure a seamless, beneficial experience for all users.

References

• https://resources.nvidia.com/en-us-ai-in-telco/state-of-ai-in-telco-2024-report
• https://store.google.com/intl/en/ideas/articles/pixel-call-assist-phone-screen/ 
• https://www.thehindu.com/sci-tech/technology/google-working-on-ai-replies-for-call-screening-feature/article68844973.ece
• https://indianexpress.com/article/technology/artificial-intelligence/google-ai-replies-call-screening-9659612/ 

‍

Introduction:

This report examines ongoing phishing scams targeting "State Bank of India (SBI)" customers, India's biggest public bank using fake SelfKYC APKs to trick people. The image plays a part in a phishing plan to get users to download bogus APK files by claiming they need to update or confirm their "Know Your Customer (KYC)" info.

Fake Claim:

A picture making the rounds on social media comes with an APK file. It shows a phishing message that says the user's SBI YONO account will stop working because of their "Old PAN card." It then tells the user to install the "WBI APK" APK (Android Application Package) to check documents and keep their account open. This message is fake and aims to get people to download a harmful app.

Key Characteristics of the Scam:

• The messages "URGENTLY REQUIRED" and "Your account will be blocked today" show how scammers try to scare people into acting fast without thinking.
• PAN Card Reference: Crooks often use PAN card verification and KYC updates as a trick because these are normal for Indian bank customers.
• Risky APK Downloads: The message pushes people to get APK files, which can be dangerous. APKs from places other than the Google Play Store often have harmful software.
• Copying the Brand: The message looks a lot like SBI's real words and logos to seem legit.
• Shady Source: You can't find the APK they mention on Google Play or SBI's website, which means you should ignore the app right away.

Modus Operandi:

• Delivery Mechanism: Typically, users of messaging services like "WhatsApp," "SMS," or "email" receive identical messages with an APK link, which is how the scam is distributed.
• APK Installation: The phony APK frequently asks for a lot of rights once it is  installed, including access to "SMS," "contacts," "calls," and "banking apps."
• Data Theft: Once installed, the program may have the ability to steal card numbers, personal information, OTPs, and banking credentials.
• Remote Access: These APKs may occasionally allow cybercriminals to remotely take control of the victim's device in order to carry out fraudulent financial activities.

While the user installs the application on their device the following interface opens: 

‍

‍

It asks the user to allow the following:

• SMS is used to send and receive info from the bank.
• User details such as Username, Password, Mobile Number, and Captcha. 

Technical Findings of the Application:

Static Analysis:

• File Name: SBI SELF KYC_015850.apk
• Package Name: com.mark.dot.comsbione.krishn
• Scan Date: Sept. 25, 2024, 6:45 a.m.
• App Security Score: 52/100 (MEDIUM RISK)
• Grade: B

File Information:

• File Name: SBI SELF KYC_015850.apk
• Size: 2.88MB
• MD5: 55fdb5ff999656ddbfa0284d0707d9ef
• SHA1: 8821ee6475576beb86d271bc15882247f1e83630
• SHA256: 54bab6a7a0b111763c726e161aa8a6eb43d10b76bb1c19728ace50e5afa40448

App Information:

• App Name: SBl Bank
• Package Name:: com.mark.dot.comsbione.krishn
• Main Activity: com.mark.dot.comsbione.krishn.MainActivity
• Target SDK: 34
• Min SDK: 24
• Max SDK:
• Android Version Name:: 1.0
• Android Version Code:: 1

App Components:

• Activities: 8
• Services: 2
• Receivers: 2
• Providers: 1
• Exported Activities: 0
• Exported Services: 1
• Exported Receivers: 2
• Exported Providers:: 0

Certificate Information:

• Binary is signed
• v1 signature: False
• v2 signature: True
• v3 signature: False
• v4 signature: False
• X.509 Subject: CN=PANDEY, OU=PANDEY, O=PANDEY, L=NK, ST=NK, C=91
• Signature Algorithm: rsassa_pkcs1v15
• Valid From: 20240904 07:38:35+00:00
• Valid To: 20490829 07:38:35+00:00
• Issuer: CN=PANDEY, OU=PANDEY, O=PANDEY, L=NK, ST=NK, C=91
• Serial Number: 0x1
• Hash Algorithm: sha256
• md5: 4536ca31b69fb68a34c6440072fca8b5
• sha1: 6f8825341186f39cfb864ba0044c034efb7cb8f4
• sha256: 6bc865a3f1371978e512fa4545850826bc29fa1d79cdedf69723b1e44bf3e23f
• sha512:05254668e1c12a2455c3224ef49a585b599d00796fab91b6f94d0b85ab48ae4b14868dabf16aa609c3b6a4b7ac14c7c8f753111b4291c4f3efa49f4edf41123d
• PublicKey Algorithm: RSA
• Bit Size: 2048
• Fingerprint: a84f890d7dfbf1514fc69313bf99aa8a826bade3927236f447af63fbb18a8ea6
• Found 1 unique certificate

‍

App Permission 

‍

‍

1. Normal Permissions

• Access_network_state: Allows the App to View the Network Status of All Networks.
• Foreground_service: Enables Regular Apps to Use Foreground Services.
• Foreground_service_data_sync: Allows Data Synchronization With Foreground Services.
• Internet: Grants Full Internet Access.

2. Signature Permission:

• Broadcast_sms: Sends Sms Received Broadcasts. It Can Be Abused by Malicious Apps to Forge Incoming Sms Messages.

3. Dangerous Permissions:

• Read_phone_numbers: Grants Access to the Device’s Phone Number(S).
• Read_phone_state: Reads the Phone’s State and Identity, Including Phone Features and Data.
• Read_sms: Allows the App to Read Sms or Mms Messages Stored on the Device or Sim Card. Malicious Apps Could Use This to Read Confidential Messages.
• Receive_sms: Enables the App to Receive and Process Sms Messages. Malicious Apps Could Monitor or Delete Messages Without Showing Them to the User.
• Send_sms: Allows the App to Send Sms Messages. Malicious Apps Could Send Messages Without the User’s Confirmation, Potentially Leading to Financial Costs.

On further analysis on virustotal platform using md5 hash file, the following results were retrieved where there are 24 security vendors out of 68, marked this apk file as malicious and the graph represents the distribution of malicious file in the environment.

‍

‍

Key Takeaways:

• Normal Permissions: Generally Safe for Accessing Basic Functionalities (Network State, Internet).
• Signature Permissions: May Pose Risks When Misused, Especially Related to Sms Broadcasts.
• Dangerous Permissions: Provide Sensitive Data Access, Such as Phone Numbers and Device Identity, Which Can Be Exploited by Malicious Apps.
• The Dangerous Permissions Pose Risks Regarding the Reading, Receiving, and Sending of Sms, Which Can Lead to Privacy Breaches or Financial Consequences.

How to Identify the Scam:

• Official Statement: SBI never asks clients to download unauthorized APKs for upgrades related to KYC or other services. All formal correspondence takes place via the SBI YONO app, which may be found in reputable app shops.
• No Immediate Threats: Bank correspondence never employs menacing language or issues harsh deadlines, such as "your account will be blocked today."
• Email Domain and SMS Number: Verified email addresses or phone numbers are used for official SBI correspondence. Generic, unauthorized numbers or addresses are frequently used in scams.
• Links and APK Files: Steer clear of downloading APK files from unreliable sources at all times. For app downloads, visit the Apple App Store or Google Play Store instead.

CyberPeace Advisory:

• The Research team recommends that people should avoid opening such messages sent via social platforms. One must always think before clicking on such links, or downloading any attachments from unauthorised sources.
• Downloading any application from any third party sources instead of the official app store should be avoided. This will greatly reduce the risk of downloading a malicious app, as official app stores have strict guidelines for app developers and review each app before it gets published on the store.
• Even if you download the application from an authorised source, check the app's permissions before you install it. Some malicious apps may request access to sensitive information or resources on your device. If an app is asking for too many permissions, it's best to avoid it.
• Keep your device and the app-store app up to date. This will ensure that you have the latest security updates and bug fixes.
• Falling into such a trap could result in a complete compromise of the system, including access to sensitive information such as microphone recordings, camera footage, text messages, contacts, pictures, videos, and even banking applications and could lead users to financial loss.
• Do not share confidential details like credentials, banking information with such types of Phishing scams.
• Never share or forward fake messages containing links on any social platform without proper verification.

Conclusion:

Fake APK phishing scams target financial institutions more often. This report outlines safety steps for SBI customers and ways to spot and steer clear of these cons. Keep in mind that legitimate banks never ask you to get an APK from shady websites or threaten to close your account right away. To stay safe, use SBI's official YONO app on both systems and get apps from trusted places like Google Play or the Apple App Store. Check if the info is true before you do anything turn on 2FA for all your bank and money accounts, and tell SBI or your local cyber police about any scams you see.

‍

Executive Summary:

 A viral online image claims to show Arvind Kejriwal, Chief Minister of Delhi, welcoming Elon Musk during his visit to India to discuss Delhi’s administrative policies. However, the CyberPeace Research Team has confirmed that the image is a deep fake, created using AI technology. The assertion that Elon Musk visited India to discuss Delhi’s administrative policies is false and misleading.

Claim

‍

A viral image claims that Arvind Kejriwal welcomed Elon Musk during his visit to India to discuss Delhi’s administrative policies.

Post link

‍

‍

Fact Check:

Upon receiving the viral posts, we conducted a reverse image search using InVid Reverse Image searching tool. The search traced the image back to different unrelated sources featuring both Arvind Kejriwal and Elon Musk, but none of the sources depicted them together or involved any such event. The viral image displayed visible inconsistencies, such as lighting disparities and unnatural blending, which prompted further investigation.

Using advanced AI detection tools like TrueMedia.org and Hive AI Detection tool, we analyzed the image. The analysis confirmed with 97.5% confidence that the image was a deepfake. The tools identified “substantial evidence of manipulation,” particularly in the merging of facial features and the alignment of clothes and background, which were artificially generated.

  Analysis link

‍

‍

‍

Moreover, a review of official statements and credible reports revealed no record of Elon Musk visiting India to discuss Delhi’s administrative policies. Neither Arvind Kejriwal’s office nor Tesla or SpaceX made any announcement regarding such an event, further debunking the viral claim.

Conclusion:

The viral image claiming that Arvind Kejriwal welcomed Elon Musk during his visit to India to discuss Delhi’s administrative policies is a deep fake. Tools like Reverse Image search and AI detection confirm the image’s manipulation through AI technology. Additionally, there is no supporting evidence from any credible sources. The CyberPeace Research Team confirms the claim is false and misleading.

• Claim: Arvind Kejriwal welcomed Elon Musk to India to discuss Delhi’s administrative policies, viral on social media.
• Claimed on: Facebook and X(Formerly Twitter)
• Fact Check: False & Misleading

‍