#FactCheck - Edited Video Falsely Claims as an attack on PM Netanyahu in the Israeli Senate

Introduction

As e-sports flourish in India, mobile gaming platforms and apps have contributed massively to this boom. The wave of online mobile gaming has led to a new recognition of esports. As we see the Sports Ministry being very proactive for e-sports and e-athletes, it is pertinent to ensure that we do not compromise our cyber security for the sake of these games. When we talk about online mobile gaming, the most common names that come to our minds are PUBG and BGMI. As news for all Indian gamers, BGMI is set to be relaunched in India after approval from the Ministry of Electronics and Information Technology.

Why was BGMI banned?

The Govt banned Battle Ground Mobile India on the pretext of being a Chinese application and the fact that all the data was hosted in China itself. This caused a cascade of compliance and user safety issues as the Data was stored outside India. Since 2020 The Indian Govt has been proactive in banning Chinese applications, which might have an adverse effect on national security and Indian citizens. Nearly 200 plus applications have been banned by the Govt, and most of them were banned due to their data hubs being in China. The issue of cross-border data flow has been a key issue in Geo-Politics, and whoever hosts the data virtually owns it as well and under the potential threat of this fact, all apps hosting their data in China were banned.

Why is BGMI coming back?

BGMI was banned for not hosting data in India, and since the ban, the Krafton Inc.-owned game has been engaging in Idnai to set up data banks and servers to have a separate gaming server for Indian players. These moves will lead to a safe gaming ecosystem and result in better adherence to the laws and policies of the land. The developers have not declared a relaunch date yet, but the game is expected to be available for download for iOS and Android users in the coming few days. The game will be back on app stores as a letter from the Ministry of Electronics and Information Technology has been issued stating that the games be allowed and made available for download on the respective app stores.

Grounds for BGMI

BGMI has to ensure that they comply with all the laws, policies and guidelines in India and have to show the same to the Ministry to get an extension on approval. The game has been permitted for only 90 days (3 Months). Hon’ble MoS Meity Rajeev Chandrashekhar stated in a tweet   “This is a 3-month trial approval of #BGMI after it has complied with issues of server locations and data security etc. We will keep a close watch on other issues of User harm, Addiction etc., in the next 3 months before a final decision is taken”. This clearly shows the magnitude of the bans on Chinese apps. The ministry and the Govt will not play the soft game now, it’s all about compliance and safeguarding the user’s data.

Way Forward

This move will play a significant role in the future, not only for gaming companies but also for other online industries, to ensure compliance. This move will act as a precedent for the issue of cross-border data flow and the advantages of data localisation. It will go a long way in advocacy for the betterment of the Indian cyber ecosystem. Meity alone cannot safeguard the space completely, it is a shared responsibility of the Govt, industry and netizens.

Conclusion

The advent of online mobile gaming has taken the nation by storm, and thus, being safe and secure in this ecosystem is paramount. The provisional permission form BGMI shows the stance of the Govt and how it is following the no-tolerance policy for noncompliance with laws. The latest policies and bills, like the Digital India Act, Digital Personal Data Protection Act, etc., will go a long way in securing the interests and rights of the Indian netizen and will create a blanket of safety and prevention of issues and threats in the future.

Introduction

The insurance industry is a target for cybercriminals due to the sensitive nature of the information it holds. This makes it essential for insurance companies to have robust cybersecurity measures to protect their data and customers’ personal information.

Cyber fraud in India’s insurance industry is increasing. It is reported that the Indian insurance sector has witnessed a surge in cyber-attacks, with several instances of data breaches, identity thefts, and financial fraud being reported. These cybercrimes not only pose a significant threat to the financial stability of the insurance industry but also to the privacy and security of policyholders.

Cyber Frauds in the Insurance Industry

The insurance industry in India has been the target of increasing cyber fraud in recent years. With the growing digital transformation trend, insurance companies have become increasingly vulnerable to cyber-attacks. Cyber frauds in the insurance industry are initiated by hackers who use various techniques such as phishing, malware, ransomware, and social engineering to gain unauthorised access to policyholders’ personal data and sensitive information

Kinds of cyber frauds in the insurance industry

It is essential for insurers and policyholders alike to be aware of these kinds of cyber-attacks on insurance companies in today’s digital age. Staying educated about these threats can help prevent them from happening in the future.

Identity theft– One common type of cyber fraud that occurs in the insurance industry is identity theft. In this type of fraud, criminals steal personal information such as name, address, date of birth and social security numbers through phishing emails or fraudulent websites. They then use this information to open fraudulent policies or access existing ones.

Payment fraud- Another type of cyber fraud that is on the rise is payment fraud. In this type of fraud, hackers intercept electronic payments made by policyholders or agents using fake bank accounts or compromised payment gateways. The money is then siphoned into untraceable accounts, making it difficult for law enforcement agencies to identify and arrest the perpetrators.

Phishing attacks- Where the fraudsters posed as company officials and sent emails to policyholders requesting their account details. The unsuspecting customers fell for this scam and shared their sensitive information, which was then used to access their accounts and steal funds.

Hacking- Where hackers breach the company’s system to gain access to policyholder data. The hackers’ stoles personal records, including names, addresses, phone numbers, social security numbers, and financial information, which they later sell on the dark web.

Fake policies scam- Fraudsters create fake policies using stolen identities and collect premiums from innocent customers. The insurer then voided these policies due to fraudulent activity leaving those people without valid coverage when they needed it most. The victims suffer significant financial losses due to this scam.

Fake Insurance Websites- Discuss the creation of deceptive websites that imitate well-known insurance companies, where unsuspecting individuals provide their personal details, leading to identity theft or financial losses.

Prevention of Cyber Frauds in the Insurance Industry- Best practices to follow

Prevention is better than cure, which also holds true in the case of cyber fraud in the insurance industry. The industry must take proactive steps to prevent such frauds from occurring in the first place. One of the most effective ways to do so is by investing in cybersecurity measures that are specifically designed for the insurance sector.

Insurance companies must conduct regular employee training programs on cybersecurity best practices. This includes educating employees on how to identify and avoid phishing emails, create strong passwords, and recognise potential cyber threats. Companies should also establish a reporting mechanism for employees to report suspicious activity or incidents immediately.

Having proper access controls in place is also necessary. This means limiting access to sensitive data only to those employees who need it, implementing two-factor authentication, and regularly monitoring user activity logs. Regular audits can also provide an extra layer of protection against potential threats by identifying vulnerabilities that may have been overlooked during routine security checks.

Another essential step is encrypting all data transmitted between different systems and devices. Encryption scrambles data into unreadable codes that can only be deciphered using a decryption key, making it difficult for hackers to intercept or steal information in transit.

Legal Framework for Cyber Frauds in the Insurance Industry

The legal framework for cyber fraud in the insurance industry is critical to preventing such crimes. The Insurance Regulatory and Development Authority of India (IRDAI) has issued guidelines for insurers to establish a cybersecurity framework. The guidelines require insurers to conduct regular risk assessments, implement security measures, and ensure compliance with data privacy laws.

The Information Technology Act 2000, is another significant piece of legislation dealing with cyber fraud in India. The act defines offences such as unauthorised access to a computer system, hacking, and tampering with data. It also provides for stringent penalties and imprisonment for those found guilty of such offences.

The IRDAI’s guidelines provide insurers with a roadmap to establish robust cybersecurity measures to help prevent cyber fraud in the insurance industry. Stringent implementation of these guidelines will go a long way in safeguarding sensitive customer information from falling into the wrong hands.

Best Practices for Insurers and Policyholders

Insurers:

Implementing Strong Authentication: Encouraging the use of multi-factor authentication and secure login processes to safeguard customer accounts and prevent unauthorised access.

Regular Employee Training: Conduct cybersecurity awareness programs to educate employees about the latest threats and preventive measures.

Investing in Advanced Technologies: Utilizing robust cybersecurity tools and systems to promptly detect and mitigate potential cyber threats.

Policyholders:

Vigilance and Awareness: Policyholders must stay vigilant while sharing personal information online and verify the authenticity of insurance websites and communication channels.

Regular Updates and Patches: Advising individuals to keep their devices and software up to date to minimise vulnerabilities that cybercriminals can exploit.

Secure Online Practices: Encouraging the use of strong and unique passwords, avoiding sharing sensitive information on unsecured networks, and exercising caution when clicking on suspicious links or attachments.

Conclusion

As the Indian insurance industry embraces digitisation, the risk of cyber scams and data breaches becomes a significant concern. Insurers and policyholders must collaborate to ensure robust cybersecurity measures are in place to protect sensitive information and financial interests.

It is essential for insurance companies to invest in robust cybersecurity measures that can detect and prevent fraud attempts. Additionally, educating employees on the dangers of cyber fraud and implementing strict compliance measures can go a long way in mitigating risks. With these efforts, the insurance industry can continue to provide trustworthy and reliable services to its customers while protecting against cyber threats. As technology continues to evolve, it is imperative that the insurance industry adapts accordingly and remains vigilant against emerging threats.

Introduction

Misinformation has the potential to impact people, communities and institutions alike, and the ramifications can be far-ranging. From influencing voter behaviours and consumer choices to shaping personal beliefs and community dynamics, the information we consume in our daily lives affects every aspect of our existence. And so, when this very information is flawed or incomplete, whether accidentally or deliberately so, it has the potential to confuse and mislead people. 

‘Debunking’ is the process of exposing false information or countering inaccuracies and manipulation by presenting actual facts. The goal is to minimise the harmful effects of misinformation by informing and educating people. Debunking initiatives work hard to expose false information and cut down conspiracies, catalogue evidence of false information, clearly identify sources of misinformation vs. accurate information, and assert the truth. Debunking looks at building capacity and educating people both as a strategy and goal. 

Debunking is most effective when it comes from trusted sources, provides detailed explanations, and offers guidance and verifiable advice. Debunking is reactive in nature and it focuses on specific instances of misinformation and is closely tied to fact-checking. Debunking aims to mitigate the impact of misinformation that has already spread. As such, the approach is to contain and correct, post-occurrence. The most common method of debunking is collaboration between fact-checking groups and social media companies. When journalists or other fact-checkers identify false or misleading content, social media sites flag or label it such, so that audiences are alerted. Debunking is an essential method for reducing the impact and incidence of misinformation by providing real facts and increasing overall  accuracy of content  in the digital information ecosystem.

Role of Debunking the Misinformation 

Debunking fights against false or misleading information by correcting false claims, myths, and misinformation with evidence-based rebuttals. It combats untruths and the spread of misinformation by providing and disseminating debunked evidence to the public. Debunking by presenting evidence that contradicts misleading facts and encourages individuals to develop fact-checking habits and proactively check for authenticated sources. Debunking plays a vital role in boosting trust in credible sources by offering evidence-based corrections and enhancing the credibility of online information. By exposing falsehoods and endorsing qualities like information completeness and evidence-backed data and logic, debunking efforts help create a culture of well-informed and constructive public conversations and analytical exchanges. Effectively dispelling myths and misinformation can help create communities and societies that are more educated, resilient, and goal-oriented.

Debunking as a tailoring Strategy to counter Misinformation 

Understanding the information environment and source trustworthiness is critical for developing effective debunking techniques. Successful debunking efforts use clear messages, appealing forms, and targeted distribution to reach a wide range of netizens.  Debunking as an effective method for combating misinformation includes analysing successful efforts, using fact-checking, relying on reputable sources for corrections, and using scientific communication. Fact-checking plays a critical role in ensuring information accuracy and holding people accountable for making misleading claims. Collaborative efforts and transparent techniques can boost the credibility and efficacy of fact-checking activities and boost the legitimacy and effectiveness of debunking initiatives at a larger scale. Scientific communication is also critical for debunking myths about different topics/concerns by giving evidence-based information. Clear and understandable framing of scientific knowledge is critical for engaging broad audiences and effectively refuting misinformation. 

CyberPeace Policy Recommendations

1. It is recommended that debunking initiatives must highlight core facts, emphasising what is true over what is wrong and establishing a clear contrast between the two. This is crucial as people are more likely to believe familiar information even if they learn later that it is incorrect. Debunking must provide a comprehensive explanation, filling the ‘information gap’ created by the myth. This can be done by explaining things as clearly as possible, as people may stop paying attention if they are faced with an overload of competing information. The use of visuals to illustrate core facts is an effective way to help people understand the issue and clearly tell the difference between information and misinformation.
2. Individuals can play a role in debunking misinformation on social media by highlighting inconsistencies, recommending related articles with corrections or sharing trusted sources and debunking reports in their communities. 
3. Governments and regulatory agencies can improve information openness by demanding explicit source labelling and technical measures to be implemented on platforms. This can increase confidence in information sources and equip people to practice discernment when they consume content online. Governments should also support and encourage independent fact-checking organisations that are working to disprove misinformation. Digital literacy programmes may teach the public how to critically assess information online and spot any misinformation.
4. Tech businesses may enhance algorithms for detecting and flagging misinformation, therefore reducing the propagation of misleading information. Offering options for people to report suspicious/doubtful information and misinformation can empower them and help them play an active role in identifying and rectifying inaccurate information online and foster a more responsible information environment on the platforms.
   

Conclusion

Debunking is an effective strategy to counter widespread misinformation through a combination of fact-checking, scientific evidence, factual explanations, verified facts and corrections. Debunking can play an important role in fostering a culture where people look for authenticity while consuming the information and place a high value on trusted and verified information. A collaborative strategy can increase the legitimacy and reach of debunking efforts, making them more effective in reaching larger audiences and being easy-to-understand for a wide range of demographics. In a complex and ever-evolving digital ecosystem, it is important to build information resilience both at the macro level for the ecosystem as a whole and at the micro level, with the individual consumer. Only then can we ensure a culture of mindful, responsible content creation and consumption. 

References

1. https://stratcomcoe.org/cuploads/pfiles/nato_stratcom_coe_fact-checking_and_debunking_02-02-2021-1.pdf

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