#FactCheck - Digitally Altered Image Falsely Shows World Bank President Ajay Banga Holding Khalistani Flag

Executive Summary

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A video showing a monkey allegedly saving the life of a sleeping child is rapidly going viral on social media. In the clip, a monkey can be seen picking up a child sleeping on a mat under a tree and moving the child away moments before a heavy tree branch falls at the same spot. Social media users are sharing the video as a “miracle of nature” and praising the emotional sensitivity and instincts of animals. However, research conducted by CyberPeace Research Wing found that the viral video is not real and was created using artificial intelligence tools.

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Claim

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The caption accompanying the viral post states:“In a shocking incident, a monkey was seen stepping in to save an innocent child sleeping under a tree from imminent danger. People nearby were stunned by the scene. It is being claimed that the monkey sensed the danger around the child and tried to protect him. The unusual incident has now gone viral on social media, with many saying that emotions and compassion are not limited to humans, animals can also understand feelings.”

The video has been widely shared across social media platforms

• https://www.instagram.com/reels/DYMvhRPTcCA/
• https://archive.ph/https://www.instagram.com/reels/DYMvhRPTcCA/ 

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Fact Check

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To verify the authenticity of the video, we extracted keyframes from the clip and conducted a reverse image search. During the research, we found the same video uploaded on May 8, 2026, on an Instagram page named Instagram user “mojilo_vandro.” The caption of the original upload did not provide any factual context and presented the video in a dramatic, miracle-like manner.

• https://www.instagram.com/reels/DYERhX9NVjd/ 

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We further examined the Instagram account and found that it regularly posts several AI-generated videos featuring monkeys performing heroic or emotional acts. Importantly, the account owner has also identified themselves as an “AI video creator” in the bio section.

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To further analyze the clip, we tested it using the AI detection tool Hive Moderation. The tool’s analysis classified the viral video as 85.6% likely to be AI-generated. We also checked the clip using another AI detection platform, Deepfake-o-meter. Its AVSRDD (2025) detection model flagged the video as potentially AI-generated with a 100% confidence score.

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Conclusion

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The evidence gathered during our research clearly shows that the viral video claiming to show a monkey saving a sleeping child from a falling tree branch is not authentic. The clip was created using AI-generated visual techniques and does not depict a real incident.

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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: 

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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

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App Permission 

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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.

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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.

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Introduction

Artificial intelligence is often hailed as a democratiser of knowledge, opportunity and skill. It is set to improve diagnostics, personalised learning, and productivity to boost the economy, which can assist millions of people to leave poverty. However, this may be an incomplete picture. A report of the United Nations Development Programme in 2025 tells a more complex tale. The Next Great Divergence: Why AI May Widen Inequality Between Countries cautions that, unless acts are taken to intervene, AI will not alleviate inequality between countries but will instead concentrate benefits in already advantaged economies and increase risks in more vulnerable ones.

Two Gaps, One Crisis

AI is not going to create a level playing field: it has been injected into a world where there is unprecedented inequality. The report outlines two structural asymmetries that will influence the ways in which its effects manifest: a capability gap and a vulnerability gap. 

Those countries that have high connectivity, skills, compute and regulation will be in a position to reap a greater portion of the AI dividend. Others will be exposed to greater risks of job losses, information exclusion, misinformation, and the indirect consequences of increased energy and water demands. 

The centre of this transition is the Asia-Pacific region, that harbors a population of more than 55 per cent of the world. More than half of the global AI users are now located in the region, but the initial positions are quite different. Nations such as Singapore and South Korea are already spending a lot of money on AI infrastructure, with others still striving to offer basic broadband services. Two out of three individuals already use AI tools in certain high-income economies. In most countries with low incomes, the utilisation is lower. Such figures are important as they depict not only a gap in technology but also a structural difference in terms of who controls AI and who is controlled by the latter.

When Inequality Becomes a Trust Problem

Any trusted technological system is based on three tenets: transparency, fairness and accountability. AI inequality negatively impacts all three.

If governments implement imported AI systems in areas with limited technical capability, with limited transparency on their operation, their construction, and their biases. Citizens do not really trust when decision-making systems are black boxes and domestic institutions lack the know-how to question them.

Data exclusion also interferes with fairness. The AI systems trained with the datasets not sufficiently representative of the rural population, linguistic minorities, and women will generate poorer results in those groups systematically. Since South Asian women are much less likely to own a smartphone,  this impacts their representation in digital data, and consequently in any AI system trained on such data. 

Safety Risks Are Not Evenly Distributed

The lack of trust has a direct safety aspect. For example, those countries that have less robust information ecosystems have a greater exposure to AI-generated misinformation that can bias the discourse of the populace, alter elections, and cause violence. They also have the weakest capability of screening, tagging, or combating such content.

The same can be said about labour markets. The very same technologies that can speed up marginalisation and destabilise governance increase human insecurity, especially among employees in the informal economy with weak social security. The UNDP report points out that the exposure of female employment to disruption by AI is disproportionate to that of male employment, which further presents a gendered dimension in an already unequal situation.

Risks of infrastructure are skewed as well. Large AI systems may create disproportionately high energy and water demands on countries that host the data infrastructure without there being an equivalent economic payback. The environmental cost is local while profits are outsourced. Dangers of AI spread downwards, and the advantages go upwards.

The Governance Gap and Regulatory Arbitrage

Governance is perhaps the most important aspect. There are only a few states that presently have extensive AI regulation systems. This gives rise to a patchy landscape, in which safety standards differ dramatically and where companies have an incentive to install systems in jurisdictions that have weaker regulation.

The main reason is the lack of capability, as expressed by Philip Schellekens, chief economist of the UNDP in Asia and the Pacific, who says that those countries that invest in skills, computing power and well-run governance structures will gain. The rest will be left far behind. 

This departure has its ramifications outside the nations. When users in other areas are subjected to widely different rates of safety and equity by the same international platforms, the concept of uniform digital norms would no longer be sustainable. Confidence in AI systems is lost not only locally but also on a global scale.

Way Forward

The UNDP report makes it clear that there is no inevitability of divergence. To avert it, however, it is necessary to consider AI governance as a development, rather than a technology problem.

The capacity to govern should be constructed and not presumed. This implies assisting countries in establishing regulatory systems, institutional capacity, and facilitating cross-border collaboration on standards. It can also imply considering some AI features as a public good, with common models and open standards that do not allow a few firms or states to become too powerful.

The UNDP articulates the problem in a simple manner: in the end, the world's people and not machines must decide on what technologies should be given priority and how to utilise them optimally.

Conclusion

AI inequality is often framed as an economic divergence story. But its implications run deeper. It reshapes who is protected, who is visible in data, and who has the power to challenge harmful outcomes. The risk is not just that some countries fall behind economically. It is that the global digital ecosystem fragments into zones of high trust and low trust, high protection and low protection. The choices made now will determine which path prevails. AI can reinforce existing divides or help bridge them. 

But that outcome will not be decided by the technology itself. It will be decided by how societies choose to distribute access, power, and responsibility in the systems they build.

References

1. https://www.undp.org/sites/g/files/zskgke326/files/2025-12/undp-rbap-the-next-great-divergence_1.pdf
2. https://www.undp.org/asia-pacific/press-releases/ai-risks-sparking-new-era-divergence-development-gaps-between-countries-widen-undp-report-finds
3. https://www.undp.org/asia-pacific/blog/next-great-divergence-how-ai-could-split-world-again-if-we-dont-intervene
4. https://www.aljazeera.com/news/2025/12/2/ai-threatens-to-widen-inequality-among-states-un
5. https://www.undp.org/asia-pacific/next-great-divergence
6. https://www.eco-business.com/press-releases/ai-risks-spark-new-era-of-divergence-as-development-gaps-widen-undp-report/

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