#FactCheck - AI-Generated Video Falsely Claims Death of Iran’s Supreme Leader

Introduction

India is becoming more digital. People are using cards and phones to pay for things. This means there is a risk of people stealing card information and committing fraud. The Payment Card Industry Data Security Standard or PCI DSS is a set of rules that helps companies keep card information safe. It was created by the PCI Security Standards Council, which was started by Visa, Mastercard, American Express, Discover and JCB. The goal of PCI DSS is to reduce the risk of data breaches and card fraud by making sure companies have security controls in place. For India, where digital payments are becoming more popular, PCI DSS is becoming a thing to do.

Applicability in India

PCI DSS applies to all companies in India that store, process or transmit card information. This includes banks, payment companies like Razorpay, PayU and CCAvenue and online sellers. Even companies that use a hosted payment page are responsible for following the rules. Companies that have their payment forms and handle card information have to follow more rules.

Why PCI DSS Matters

Payment security is very important for customers to trust a company. If a company has a security breach it can expose a lot of card information. Damage the company's reputation. In India, where cybercrime's a big problem, PCI DSS helps companies keep card information safe. It has rules for firewalls, encryption, access controls and regular testing to prevent fraud.

Regulatory Landscape: The RBIs Role

PCI DSS is not a law in India. The Reserve Bank of India or RBI has made it a requirement. The RBI has rules that require companies to follow PCI DSS and have security audits. Non-bank companies have to get permission from the RBI and follow rules to store payment information in India. This makes PCI DSS a standard for keeping card information safe in India.

Key Requirements and the Compliance Process

The current version of PCI DSS has twelve requirements that companies have to follow. These requirements include building a network protecting card information and regular testing. Companies have to start by identifying what parts of their system handle card information. Then do a gap analysis to see what they need to do to comply. Smaller companies can usually do this in a week but bigger companies may take several months.

Common Challenges and Practical Solutions

Some problems companies face when trying to comply with PCI DSS include old computer systems that cannot handle modern encryption and unclear rules that make it hard to know what to do. Some solutions include separating the card information system from the rest of the network using tokens and encryption to keep card information safe and regularly checking for vulnerabilities.

Business and Regulatory Benefits

Following PCI DSS rules can help companies avoid penalties and have security breaches. It can also make it easier for companies to work with banks and card networks and build trust with customers. Regulators also look favorably on companies that follow the rules.

Recent Developments and Trends

The RBI has been making rules and requiring companies to follow PCI DSS more closely. As digital payments become more popular it is likely that the RBI will keep making rules to keep card information safe.

As India's digital economy grows, keeping payment information safe is becoming more important. PCI DSS is a set of rules that helps companies keep card information safe. The RBI has made it a requirement for companies to follow these rules. Companies that follow the rules can build trust with customers. Avoid security breaches.

Conclusion

As India's digital economy deepens, protecting payment data is no longer optional; it is the price of participating in the card ecosystem. PCI DSS gives banks, fintechs, gateways and merchants a common, internationally recognised language for security, while RBI's guidelines add local regulatory teeth. Organisations that treat compliance as a continuous discipline, rather than a once-a-year audit exercise, will find it easier to earn customer trust, avoid costly breaches, and scale with confidence. For every business touching cardholder data in India, the message is clear: PCI DSS compliance is now foundational to running a secure, trustworthy digital payments operation.

References

1.  https://www.pcisecuritystandards.org/document_library/
2. https://www.rbi.org.in/Scripts/BS_ViewMasDirections.aspx
3. https://www.rbi.org.in/Scripts/NotificationUser.aspx
4. https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11822
5. https://www.incorpx.io/blog/pci-dss-compliance-ecommerce-fintech-india
6.  https://cyraacs.com/pci-dss-compliance-checklist
7. https://www.skydo.com/blog/pci-dss-compliance-guide
8. https://www.cybercrime.gov.in/

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Introduction

Bumble’s launch of its ‘Opening Move’ feature has sparked a new narrative on safety and privacy within the digital dating sphere and has garnered mixed reactions from users. It was launched against the backdrop of women stating that the ‘message first’ policy of Bumble was proving to be tedious. Addressing the large-scale review, Bumble launched its ‘Opening Move’ feature, whereby users can either craft or select from pre-set questions which potential matches may choose to answer to start the conversation at first glance. These questions are a segue into meaningful and insightful conversation from the get-go and overstep the traditional effort to start engaging chats between matched users. This feature is an optional feature that users may enable and as such does not prevent a user from exercising the autonomy previously in place.

Innovative Approach to Conversation Starters

Many users consider this feature as innovative; not only does it act as a catalyst for fluid conversation but also cultivates insightful dialogue, fostering meaningful interactions that are devoid of the constraint of superficial small talk. The ‘Opening Moves’ feature may also be aligned with unique scientific research indicating that individuals form their initial attractions within 3-seconds of intimate interaction, thereby proving to be a catalyst to the decision-making process of an individual in the attraction time frame. 

Organizational Benefits and Data Insights

From an organisational standpoint, the feature is a unique solution towards localisation challenges faced by apps; the option of writing a personalised ‘Opening Move’ implies setting prompts that are culturally relevant and appropriate in a specific area. Moreover, it is anticipated that Bumble may enhance and improve user experience within the platform through data analysis. Data from responses to an ‘Opening Move’ may provide valuable insights into user preferences and patterns by analysing which pre-set prompts garner more responses over others and how often is a user-written ‘Opening Move’ successful in obtaining a response in comparison with Bumble’s pre-set prompts. A quick glance at Bumble’s privacy policy[1] shows that data storing and transferring of chats between users are not shared with third parties, further safeguarding personal privacy. However,  Bumble does use the chat data for its own internal purposes after removing personally identifiable information from chats. The manner of such review and removal of data has not been specified, which may raise challenges depending upon whether the reviewer is a human or an algorithm.

However, some users perceive the feature as counterproductive to the company’s principle of ‘women make the first move’. While Bumble aims to market the feature as a neutral ground for matched users based on the exercise of choice, users see it as a step back into the heteronormative gender expectations that most dating apps conform to, putting the onus of the ‘first move’ on men. Many male users have complained that the feature acts as a catalyst for men to opt out of the dating app and would most likely refrain from interacting with profiles enabled with the ‘Opening Move’ feature, since the pressure to answer in a creative manner is disproportionate with the likelihood their response actually being entertained.[2] Coupled with the female users terming the original protocol as ‘too much effort’, the preset questions of the ‘Opening Move’ feature may actively invite users to categorise potential matches according to arbitrary questions that undermine real-life experiences, perspectives and backgrounds of each individual.[3]

Additionally, complications are likely to arise when a notorious user sets a question that indirectly gleans personal or sensitive, identifiable information. The individual responding may be bullied or be subjected to hateful slurs when they respond to such carefully crafted conversation prompts.

Safety and Privacy Concerns

On the corollary, the appearance of choice may translate into more challenges for women on the platform. The feature may spark an increase in the number of unsolicited, undesirable messages and images from a potential match. The most vulnerable groups at present remain individuals who identify as females and other sexual minorities.[4] At present, there appears to be no mechanism in place to proactively monitor the content of responses, relying instead on user reporting. This approach may prove to be impractical given the potential volume of objectionable messages, necessitating a more efficient solution to address this issue. It is to be noted that in spite of a user reporting, the current redressal systems of online platforms remain lax, largely inadequate and demonstrate ineffectiveness in addressing user concerns or grievances. This lack of proactiveness is violative of the right to redressal provided under the Digital Personal Data Protection Act, 2023. It is thought that the feature may actually take away user autonomy that Bumble originally aimed to grant since Individuals who identify as introverted, shy, soft-spoken, or non-assertive may refrain from reporting harassing messages altogether, potentially due to discomfort or reluctance to engage in confrontation. Resultantly, it is anticipated that there would be a sharp uptake in cases pertaining to cyberbullying, harassment and hate speech (especially vulgar communications) towards both the user and the potential match. 

From an Indian legal perspective, dating apps have to adhere to the Information Technology Act, 2000 [5], the Information Technology (Intermediary and Digital Media Ethics) Rules 2021 [6] and the Digital Personal Data Protection Act, 2023, that regulates a person’s digital privacy and set standards on the kind of content an intermediary may host. An obligation is cast upon an intermediary to uprise its users on what content is not allowed on its platform in addition to mandating intimation of the user’s digital rights. The lack of automated checks, as mentioned above, is likely to make Bumble non-compliant with the ethical guidelines. 

The optional nature of the ‘Opening Move’ grants users some autonomy. However, some technical updates may enhance the user experience of this feature. Technologies like AI are an effective aid in behavioural and predictive analysis. An upgraded ‘matching’ algorithm can analyse the number of un-matches a profile receives, thereby identifying and flagging a profile having multiple lapsed matches. Additionally, the design interface of the application bearing a filter option to filter out flagged profiles would enable a user to be cautious while navigating through the matches. Another possible method of weeding out notorious profiles is by deploying a peer-review system of profiles whereby a user has a singular check-box that enables them to flag a profile. Such a checkbox would ideally be devoid of any option for writing personal comments and would bear a check box stating whether the profile is most or least likely to bully/harass. This would ensure that a binary, precise response is recorded and any coloured remarks are avoided. [7]

Governance and Monitoring Mechanisms

From a governance point of view, a monitoring mechanism on the manner of crafting questions is critical. Systems should be designed to detect certain words/sentences and a specific manner of framing sentences to disallow questions contrary to the national legal framework. An onscreen notification having instructions on generally acceptable manner of conversations as a reminder to users to maintain cyber hygiene while conversing is also proposed as a mandated requirement for platforms. The notification/notice may also include guidelines on what information is safe to share in order to safeguard user privacy. Lastly, a revised privacy policy should establish the legal basis for processing responses to ‘Opening Moves’, thereby bringing it in compliance with national legislations such as the Digital Personal Data Protection Act, 2023.

Conclusion

Bumble's 'Opening Move' feature marks the company’s ‘statement’ step to address user concerns regarding initiating conversations on the platform. While it has been praised for fostering more meaningful interactions, it also raises not only ethical concerns but also concerns over user safety. While the 'Opening Move' feature can potentially enhance user experience, its success is largely dependent on Bumble's ability to effectively navigate the complex issues associated with this feature. A more robust monitoring mechanism that utilises newer technology is critical to address user concerns and to ensure compliance with national laws on data privacy.

Endnotes:

• [1] Bumble’s privacy policy https://bumble.com/en-us/privacy  
• [2] Discussion thread, r/bumble, Reddit https://www.reddit.com/r/Bumble/comments/1cgrs0d/women_on_bumble_no_longer_have_to_make_the_first/?share_id=idm6DK7e0lgkD7ZQ2TiTq&utm_content=2&utm_medium=ios_app&utm_name=ioscss&utm_source=share&utm_term=1&rdt=65068 
• [3] Mcrea-Hedley, Olivia, “Love on the Apps: When did Dating Become so Political?”, 8 February 2024 https://www.service95.com/the-politics-of-dating-apps/ 
• [4] Gewirtz-Meydan, A., Volman-Pampanel, D., Opuda, E., & Tarshish, N. (2024). ‘Dating Apps: A New Emerging Platform for Sexual Harassment? A Scoping Review. Trauma, Violence, & Abuse, 25(1), 752-763. https://doi.org/10.1177/15248380231162969 
• [5]  Information Technology Act, 2000 https://www.indiacode.nic.in/bitstream/123456789/13116/1/it_act_2000_updated.pdf 
• [6]  Information Technology (Intermediary Guidelines and Digital Media Ethics) Rules 2021 https://www.meity.gov.in/writereaddata/files/Information%20Technology%20%28Intermediary%20Guidelines%20and%20Digital%20Media%20Ethics%20Code%29%20Rules%2C%202021%20%28updated%2006.04.2023%29-.pdf 
• [7]  Date Confidently: Engaging Features in a Dating App (Use Cases), Consaguous, 10 July 2023 https://www.consagous.co/blog/date-confidently-engaging-features-in-a-dating-app-use-cases  

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Introduction

The Data Security Council of India’s India Cyber Threat Report 2025 calculates that a staggering 702 potential attacks happened per minute on average in the country in 2024.  Recent alleged data breaches on organisations such as Star Health, WazirX, Indian Council of Medical Research (ICMR), BSNL, etc. highlight the vulnerabilities of government organisations, critical industries, businesses, and individuals in managing their digital assets. India is the second most targeted country for cyber attacks globally, which warrants the development and adoption of cybersecurity governance frameworks essential for the structured management of cyber environments. The following global models offer valuable insights and lessons that can help strengthen cybersecurity governance.

Overview of Global Cybersecurity Governance Models 

Cybersecurity governance frameworks provide a structured strategy to mitigate and address cyber threats. Different regions have developed their own governance models for cybersecurity, but they all emphasize risk management, compliance, and cross-sector collaboration for the protection of digital assets. Four such major models are: 

1. NIST CSF 2.0 (U.S.A): The National Institute of Standards and Technology Cyber Security Framework provides a flexible, voluntary, risk-based approach rather than a one-size-fits-all solution to manage cybersecurity risks. It endorses six core functions, which are:  Govern, Identify, Protect, Detect, Respond, and Recover. This is a widely adopted framework used by both public and private sector organizations even outside the U.S.A. 
2. ISO/IEC 27001: This is a globally recognized standard developed jointly by the International Organization for Standardization (ISO) and the International Electrotechnical Commission (IEC). It provides a risk-based approach to help organizations of all sizes and types to identify, assess, and mitigate potential cybersecurity threats to Information Security Management Systems (ISMS) and preserve the confidentiality, integrity, and availability of information.  Organizations can seek ISO 27001 certification to demonstrate compliance with laws and regulations.
3. EU NIS2 Directive: The Network and Information Security Directive 2 (NIS2) is an updated EU cybersecurity law that imposes strict obligations on critical services providers in four overarching areas: risk management, corporate accountability, reporting obligations, and business continuity. It is the most comprehensive cybersecurity directive in the EU to date, and non-compliance may attract non-monetary remedies, administrative fines up to at least €10 million or 2% of the global annual revenue (whichever is higher), or even criminal sanctions for top managers. 
4. GDPR: The General Data Protection Regulation (GDPR)of the EU is a comprehensive data privacy law that also has major cybersecurity implications. It mandates that organizations must integrate cybersecurity into their data protection policies and report breaches within 72 hours, and it prescribes a fine of up to €20 million or 4% of global turnover for non-compliance. 

India’s Cybersecurity Governance Landscape 

In light of the growing nature of cyber threats, it is notable that the Indian government has taken comprehensive measures along with efforts by relevant agencies such as the Ministry of Electronics and Information Technology, Reserve Bank of India (RBI), National Payments Corporation (NPCI) and Indian Cyber Crime Coordination Centre (I4C), CERT-In. However, there is still a lack of an overarching cybersecurity governance framework or comprehensive law in this area. Multiple regulatory bodies in India oversee cybersecurity for various sectors. Key mechanisms are: 

1. CERT-In Guidelines: The Indian Computer Emergency Response Team, under the Ministry of Electronics and Information Technology (MeitY), is the nodal agency responsible for cybersecurity incident response, threat intelligence sharing, and capacity building. Organizations are mandated to maintain logs for 180 days and report cyber incidents to CERT-In within six hours of noticing them according to directions under the Information Technology Act, 2000 (IT Act).
2. IT Act & DPDP Act: These Acts, along with their associated rules, lay down the legal framework for the protection of ICT systems in India.  While some sections mandate that “reasonable” cybersecurity standards be followed, specifics are left to the discretion of the organisations. Enforcement frameworks are vague, which leaves sectoral regulators to fill the gaps. 
3. Sectoral regulations: The Reserve Bank of India (RBI), the Insurance Regulatory and Development Authority of India (IRDAI), the Department of Telecommunications, the Securities Exchange Board of India (SEBI), National Critical Information Infrastructure Protection Centre (NCIIPC) and other regulatory bodies require that cybersecurity standards be maintained by their regulated entities. 

Lessons for India & Way Forward 

As the world faces unprecedented security and privacy threats to its digital ecosystem, the need for more comprehensive cybersecurity policies, awareness, and capacity building has perhaps never been greater. While cybersecurity practices may vary with the size, nature, and complexity of an organization (hence “reasonableness” informing measures taken), there is a need for a centralized governance framework in India similar to NIST2 to unify sectoral requirements for simplified compliance and improve enforcement. India ranks 10th on the World Cybercrime Index and was found to be "specialising" in scams and mid-tech crimes- those which affect mid-range businesses and individuals the most. To protect them, India needs to strengthen its enforcement mechanisms across more than just the critical sectors. This can be explored by penalizing bigger organizations handling user data susceptible to breaches more stringently, creating an enabling environment for strong cybersecurity practices through incentives for MSMEs, and investing in cybersecurity workforce training and capacity building. Finally,  there is a scope for increased public-private collaboration for real-time cyber intelligence sharing.  Thus, a unified, risk-based national cybersecurity governance framework encompassing the current multi-pronged cybersecurity landscape would give direction to siloed efforts. It would help standardize best practices, streamline compliance, and strengthen overall cybersecurity resilience across all sectors in India.
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References

• https://cdn.prod.website-files.com/635e632477408d12d1811a64/676e56ee4cc30a320aecf231_Cloudsek%20Annual%20Threat%20Landscape%20Report%202024%20(1).pdf 
• https://strobes.co/blog/top-data-breaches-in-2024-month-wise/#:~:text=In%20a%20large%2Dscale%20data,emails%2C%20and%20even%20identity%20theft. 
• https://www.google.com/search?q=nist+2.0&oq=nist+&gs_lcrp=EgZjaHJvbWUqBggBEEUYOzIHCAAQABiPAjIGCAEQRRg7MgYIAhBFGDsyCggDEAAYsQMYgAQyBwgEEAAYgAQyBwgFEAAYgAQyBwgGEAAYgAQyBggHEEUYPNIBCDE2MTJqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8 
• https://www.iso.org/standard/27001
• https://nis2directive.eu/nis2-requirements/ 
• https://economictimes.indiatimes.com/tech/technology/india-ranks-number-10-in-cybercrime-study-finds/articleshow/109223208.cms?from=mdr 

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