#FactCheck - Viral Claim of Highway in J&K Proven Misleading

Introduction

The Ministry of Electronics and Information Technology ( MeitY) through its Information Security Education & Awareness ( ISEA ) came up with an advisory regarding the growing cases of e-challan fraud. Cybercriminals are exploiting the beliefs of individuals by attracting them into clicking malicious links under the impression of paying traffic fines. Cybercriminals employ sending phishing messages and impersonating official e-challan notifications as a primary method. These messages are crafted in such a way that portrays a sense of urgency, provoking individuals to click on a link for spontaneous payment. For building trust, the messages are deviously created by scammers depicting official communication, which in actuality are fake messages targeting individuals for committing online financial fraud.

Unveiling the E-Challan Scam

Scammers send a text message to your phones that closely resembles e-challan alerts. The text appears from the traffic police, informing the netizens of a traffic violation that requires a fine payment. These messages contain a link and a text message urging the recipient to settle the fine by clicking on the links to make the payment.  Scammers have started trapping innocent individuals through such fake messages. These scammers are creating and sending fake messages that look like traffic challan alert messages. However, it is a completely deceptive and fake message. Such messages contain malicious links to fake website, leading users to visit the fake website and enter their bank account details, or make the payment which ultimately leads to financial loss to victims. Cyber scammers have meticulously copied the format used by the traffic authorities however a close examination can help us spot the trap. The modus operandi of such type of scam is to get the targeted individuals to click on a malicious link for payment of traffic e-challan. Once you click on such malicious payment link to pay for the e-challan the individuals unknowingly will end up paying the cyber criminals instead of the police in a bid to discharge the traffic e-challan.

How to spot a fake E-Challan?

• Verify the Vehicle Number: Make sure that the vehicle number mentioned in the message matches your vehicle’s number. Cross-check this information with your vehicle’s number plate or the smart card ( blue book) issued by the Regional Transport Office ( RTO).
• Verify the E-challan Number: Verify the validity of the e-challan number by logging into the official traffic police website or app. Legitimate e-challans will have a corresponding record that can be cross-checked for authenticity. The challan number can be verified by logging in to the official e-challan website. It is always advisable to Visit the official government website to check if you have actually been fined.
• Inspect the Message Content: Give attention to the language inculcated in the message. Hackers' messages may contain grammatical errors or unusual phrases. For example, cybercriminals might encourage victims to visit the RTO office in person. Trying to build up confidence among the victims. Also, it is important that you do not make such payments in haste. Vehicle owners must check such messages carefully before clicking on any link.

Best Practices to Stay Safe

• Be aware of unbidden messages: Be cautious when you receive unsolicited e- challan notifications. Abstain yourself by clicking on links or downloading attachments from unknown sources. 
• Always stick to legitimate or official websites: The scammers use links which look similar to the official link, and a casual glance can miss the difference. Hence it is strictly advisable to visit the official websites only. Also do note that government websites will always have the domain '.gov.in'.  The official website of Traffic Challan is https://echallan.parivahan.gov.in/ 
• Get it cross-checked through official channels: Always cross-check the authenticity of an e-challan by directly accessing official channels, such as the official traffic police website or application. 
• Connect with the RTO directly: If in doubt, independently connect with the Regional Transport Office ( RTO) using official contact details to verify the authenticity of the e-challan.  It is best not to solely rely on information received from suspicious messages. 
• Software update: Make sure that your device’s security software is up to date to protect against malware and phishing scams.

Conclusion:

Cybercriminals are exploiting the fear of traffic fines to trick individuals into clicking on malicious links and revealing their personal and financial information. These scams can lead to significant financial losses for the victims. To stay safe, it is important to be cautious of unsolicited messages, verify the authenticity of e-challans through official channels, and avoid clicking on links or downloading attachments from unknown sources. Awareness is the first line of defence in the evolving landscape of online threats. 

References:

• https://economictimes.indiatimes.com/news/new-updates/ahmedabad-residents-duped-out-of-lakhs-in-e-challan-scam-cops-arrest-jharkhand-man/articleshow/103528317.cms
• https://economictimes.indiatimes.com/wealth/save/new-traffic-e-challan-fraud-heres-how-to-identify-scam-messages-and-avoid-getting-duped/articleshow/104960817.cms
• https://www.ndtv.com/india-news/explained-the-new-e-challan-scam-how-we-can-escape-it-4342129

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Introduction

According to Statista, the global artificial intelligence software market is forecast to grow by around 126 billion US dollars by 2025. This will include a 270% increase in enterprise adoption over the past four years. The top three verticals in the Al market are BFSI (Banking, Financial Services, and Insurance), Healthcare & Life Sciences, and Retail & e-commerce. These sectors benefit from vast data generation and the critical need for advanced analytics. Al is used for fraud detection, customer service, and risk management in BFSI; diagnostics and personalised treatment plans in healthcare; and retail marketing and inventory management.

The Chairperson of the Competition Commission of India’s Chief, Smt. Ravneet Kaur raised a concern that Artificial Intelligence has the potential to aid cartelisation by automating collusive behaviour through predictive algorithms. She explained that the mere use of algorithms cannot be anti-competitive but in case the algorithms are manipulated, then that is a valid concern about competition in markets.

This blog focuses on how policymakers can balance fostering innovation and ensuring fair competition in an AI-driven economy. 

What is the Risk Created by AI-driven Collusion?

AI uses predictive algorithms, and therefore, they could lead to aiding cartelisation by automating collusive behaviour. AI-driven collusion could be through:

• The use of predictive analytics to coordinate pricing strategies among competitors.
• The lack of human oversight in algorithm-induced decision-making leads to tacit collusion (competitors coordinate their actions without explicitly communicating or agreeing to do so).

AI has been raising antitrust concerns and the most recent example is the partnership between Microsoft and OpenAI, which has raised concerns among other national competition authorities regarding potential competition law issues. While it is expected that the partnership will potentially accelerate innovation, it also raises concerns about potential anticompetitive effects such as market foreclosure or the creation of barriers to entry for competitors and, therefore, has been under consideration in the German and UK courts. The problem here is in detecting and proving whether collusion is taking place. 

The Role of Policy and Regulation

The uncertainties induced by AI regarding its effects on competition create the need for algorithmic transparency and accountability in mitigating the risks of AI-driven collusion. It leads to the need to build and create regulatory frameworks that mandate the disclosure of algorithmic methodologies and establish a set of clear guidelines for the development of AI and its deployment. These frameworks or guidelines should encourage an environment of collaboration between competition watchdogs and AI experts. 

The global best practices and emerging trends in AI regulation already include respect for human rights, sustainability, transparency and strong risk management. The EU AI Act could serve as a model for other jurisdictions, as it outlines measures to ensure accountability and mitigate risks. The key goal is to tailor AI regulations to address perceived risks while incorporating core values such as privacy, non-discrimination, transparency, and security.

Promoting Innovation Without Stifling Competition

Policymakers need to ensure that they balance regulatory measures with innovation scope and that the two priorities do not hinder each other. 

1. Create adaptive and forward-thinking regulatory approaches to keep pace with technological advancements that take place at the pace of development and allow for quick adjustments in response to new AI capabilities and market behaviours.n
2. Competition watchdogs need to recruit domain experts to assess competition amid rapid changes in the technology landscape. Create a multi-stakeholder approach that involves regulators, industry leaders, technologists and academia who can create inclusive and ethical AI policies. 
3. Businesses can be provided incentives such as recognition through certifications, grants or benefits in acknowledgement of adopting ethical AI practices. 
4. Launch studies such as the CCI’s market study to study the impact of AI on competition. This can lead to the creation of a driving force for sustainable growth with technological advancements. 

Conclusion: AI and the Future of Competition

We must promote a multi-stakeholder approach that enhances regulatory oversight, and incentivising ethical AI practices. This is needed to strike a delicate balance that safeguards competition and drives sustainable growth. As AI continues to redefine industries, embracing collaborative, inclusive, and forward-thinking policies will be critical to building an equitable and innovative digital future. 

The lawmakers and policymakers engaged in the drafting of the frameworks need to ensure that they are adaptive to change and foster innovation. It is necessary to note that fair competition and innovation are not mutually exclusive goals, they are complementary to each other. Therefore, a regulatory framework that promotes transparency, accountability, and fairness in AI deployment must be established.

References

• https://www.thehindu.com/sci-tech/technology/ai-has-potential-to-aid-cartelisation-fair-competition-integral-for-sustainable-growth-cci-chief/article69041922.ece 
• https://www.marketsandmarkets.com/Market-Reports/artificial-intelligence-market-74851580.html 
• https://www.ey.com/en_in/insights/ai/how-to-navigate-global-trends-in-artificial-intelligence-regulation#:~:text=Six%20regulatory%20trends%20in%20Artificial%20Intelligence&text=These%20include%20respect%20for%20human,based%20approach%20to%20AI%20regulation. ‍
• https://www.business-standard.com/industry/news/ai-has-potential-to-aid-fair-competition-for-sustainable-growth-cci-chief-124122900221_1.html

One of the best forums for many video producers is YouTube. It also has a great chance of generating huge profits. YouTube content producers need assistance to get the most views, likes, comments, and subscribers for their videos and channels. As a result, some people could use YouTube bots to unnaturally raise their ranks on the YouTube site, which might help them get more organic views and reach a larger audience. However, this strategy is typically seen as unfair and can violate the YouTube platform’s terms of service.

As YouTube grows in popularity, so does the usage of YouTube bots. These bots are software programs that may automate operations on the YouTube platform, such as watching, liking, or disliking videos, subscribing to or unsubscribing from channels, making comments, and adding videos to playlists, among others. There have been YouTube bots around for a while. Many YouTubers widely use these computer codes to increase the number of views on their videos and accounts, which helps them rank higher in YouTube’s algorithm. Researchers discovered a new bot that takes private information from YouTube users’ accounts.

CRIL (Cyble Research and Intelligence Labs) has been monitoring new and active malware families CRIL has discovered a new YouTube bot virus capable of viewing, liking, and commenting on YouTube videos. Furthermore, it is capable of stealing sensitive information from browsers and acting as a bot that accepts orders from the Command and Control (C&C) server to carry out other harmful operations.

The Bot Insight

This YouTube bot has the same capabilities as all other YouTube bots, including the ability to view, like, and comment on videos. Additionally, it has the ability to steal private data from browsers and act as a bot that takes commands from a Command and Control (C&C) server for various malicious purposes. Researchers from Cyble discovered the inner workings of this information breach the Youtube bot uses the sample hash(SHA256) e9dac8b677a670e70919730ee65ab66cc27730378b9233d944ad7879c530d312.They discovered that it was created using the.NET compiler and is an executable file with a 32-bit size.

• The virus runs an AntiVM check as soon as it is executed to thwart researchers’ attempts to find and analyze malware in a virtual environment.
• It stops the execution if it finds that it is operating in a regulated setting. If not, it will carry out the tasks listed in the argument strings.
• Additionally, the virus creates a mutex, copies itself to the %appdata% folder as AvastSecurity.exe, and then uses cmd.exe to run.
• The new mutex makes a task scheduler entry and aids in ensuring
• The victim’s system’s installed Chromium browsers are used to harvest cookies, autofill information, and login information by the AvastSecurity.exe program.
• In order to view the chosen video, the virus runs the YouTube Playwright function, passing the previously indicated arguments along with the browser’s path and cookie data.
• YouTube bot uses the YouTube Playwright function to launch the browser environment with the specified parameters and automate actions like watching, liking, and commenting on YouTube videos. The feature is dependent on Microsoft. playwright’s kit.
• The malware establishes a connection to a C2 server and gets instructions to erase the entry for the scheduled task and end its own process, extract log files to the C2 server, download and run other files, and start/stop watching a YouTube movie.
• Additionally, it verifies that the victim’s PC has the required dependencies, including the Playwright package and the Chrome browser, installed. When it gets the command “view,” it will download and install these dependencies if they are missing.

Recommendations

The following is a list of some of the most critical cybersecurity best practices that serve as the first line of defense against intruders. We propose that our readers follow the advice provided below:

• Downloading pirated software from warez/torrent websites should be avoided. Such a virus is commonly found in “Hack Tools” available on websites such as YouTube, pirate sites, etc.
• When feasible, use strong passwords and impose multi-factor authentication.
• Enable automatic software updates on your laptop, smartphone, and other linked devices.
• Use a reputable antivirus and internet security software package on your linked devices, such as your computer, laptop, and smartphone.
• Avoid clicking on suspicious links and opening email attachments without verifying they are legitimate.Inform staff members on how to guard against dangers like phishing and unsafe URLs.
• Block URLs like Torrent/Warez that might be used to propagate malware.To prevent malware or TAs from stealing data, keep an eye on the beacon at the network level.

Conclusion

Using YouTube bots may be a seductive strategy for content producers looking to increase their ranks and expand their viewership on the site. However, the employment of bots is typically regarded as unfair and may violate YouTube’s terms of service. Utilizing YouTube bots carries additional risk because they might be identified, which could lead to account suspension or termination for the user. Mitigating this pressing issue through awareness drives and surveys to determine the bone of contention is best. NonProfits and civil society organizations can bridge the gap between the tech giant and the end user to facilitate better know-how about these unknown bots.