#FactCheck - Viral image circulating on social media depicts a natural optical illusion from Epirus, Greece.

Introduction

In the vast, cosmic-like expanse of international relations, a sphere marked by the gravitational pull of geopolitical interests, a singular issue has emerged, casting a long shadow over the fabric of Indo-Canadian diplomacy. It is a narrative spun from an intricate loom, interlacing the yarns of espionage and political machinations, shadowboxing with the transient, yet potent, specter of state-sanctioned violence. The recent controversy undulating across this geopolitical landscape owes its origins to the circulation of claims which the Indian Ministry of External Affairs (MEA) vehemently dismisses as a distorted tapestry of misinformation—a phantasmagoric fable divorced from reality. 

This maelstrom of contention orbits around the alleged existence of a 'secret memo', a document reportedly dispatched with stealth from the helm of the Indian government to its consulates peppered across the vast North American continent. This mysterious communique, assuming its spectral presence within the report, was described as a directive catalyzing a 'sophisticated crackdown scheme' against specific Sikh diaspora organizations. A proclamation that MEA has repudiated with adamantine certainty, branding the report as a meticulously fabricated fiction.

THE MEA Stance 

The official statement from the Indian Ministry of External Affairs (MEA) emerged as a paragon of clarity cutting through the dense fog of accusations, 'We strongly assert that such reports are fake and emphatically concocted. The referenced memo is non-existent. This narrative is a chapter in the protracted saga of a disinformation campaign aimed against India.' The outlet responsible for airing this contentious story, as per the Indian authorities, has a historical penchant for circulating narratives aligned with the interests of rival intelligence agencies, particularly those associated with Pakistani strategic circles—a claim infusing yet another complex layer to the situation at hand.

The report that catapulted itself onto the stage with the force of an untamed tempest insists the 'secret memo' was decked with several names—all belonging to individuals under the hawk-like gaze of Indian intelligence. 

The Plague of Disinformation

The profoundly intricate confluence of diplomacy is one that commands grace, poise, and an acute sense of balance—nations effortlessly tip-toeing around sensitivities, proffering reciprocity and an equitable stance within the grand ballroom of international affairs. Hence, when S. Jaishankar, India's Minister of External Affairs, found himself fielding inquiries on the perceived inconsistent treatment afforded to Canada compared to the US—despite similar claims emanating from both—his response was the embodiment of diplomatic discretion: 'As far as Canada is concerned, there was a glaring absence of specific evidence or inputs provided to us. The robust question of equitable treatment between two nations, where only one has furnished substantive input and the other has not, is naturally unmerited.'

The articulation from the Ministry's spokesperson, Arindam Bagchi, further solidified India's stance. He calls into question the credibility of The Intercept—the publication that initially disseminated the report—accusing it of acting as a vessel for 'invented narratives' propagated under the auspices of Pakistani intelligence interests.

Conclusion 

In the grand theater of international politics, the distinction between reality and deception is frequently obscured by the heavy drapes of secrecy and diplomatic guile. The persistent denial by the Indian government of any 'secret memo' serves as a critical reminder of the blurred lines between narrative and counter-narrative in the global concert of power and persuasion. As observant spectators within the arena of world politics, we are endowed with the unenviable task of untangling the convoluted web of claims and counterclaims, hoping to uncover the enduring truths that linger therein. In this domain of authentic and imaginary tales, the only unwavering certainty is the persistent rhythm of diplomatic interplay and the subtle shadows it casts upon the international stage. The Ministry of External Affairs fact-checked a claim on the secret memo, rubbishing it as fake and fabricated. The government has said there is a deliberate disinformation campaign that has been on against India. 

References

• https://timesofindia.indiatimes.com/india/mea-denies-report-it-issued-secret-memo-on-nijjar-to-missions/articleshow/105884217.cms?from=mdr
• https://www.hindustantimes.com/india-news/india-denies-secret-memo-against-nijjar-report-peddled-by-pak-intelligence-101702229753576.html

Data has become a critical asset for the advancement of a nation’s economic, social, and technological development. India’s emergence as a global digital economy hub makes it necessary to create a robust framework that addresses the challenges and opportunities of digital transformation. The Indian government introduced the Draft National Data Governance Framework Policy in 2022, aiming to create a comprehensive data handling and governance framework. This policy draft addresses key challenges in data management, privacy, and digital economy growth.  As per the recent media reports, the Draft National Data Governance Policy so prepared is under the finalisation stage, the government specified in its implementation document for the Budget 2023-24 announcement. The policy also aims to address the country's AI adoption and the issue of lack of datasets by providing widespread access to anonymized data.

Background and Need for the Policy

India has a robust digital economy with its adoption of the Digital India Initiative, Aadhaar digital identification, UPI for seamless payments and many more. In India, 751.5 million people connect to the internet, and is home to 462.0 million social media users in January 2024, equivalent to 32.2% of its total population (Data Reportal 2024). This has brought challenges including data privacy concerns, cybersecurity threats, digital exclusion, and a need for better regulation frameworks. To overcome them, the Draft National Data Governance Policy has been designed to provide institutional frameworks for data rules, standards, guidelines, and protocols for the sharing of non-personal data sets in a manner that ensures privacy, security, and trust so that they remain secure, transparent, and accountable.

Objectives omphasizesf the Framework 

The objective of the Framework Policy is to accelerate Digital Governance in India. The framework will standardize data management and security standards across the Government. It will promote transparency, accountability, and ownership in Non-Personal data and dataset access and build a platform to receive and process data requests. It will also set quality standards and promote the expansion of the datasets program and overall non-personal ecosystem. Further, it aims to build India’s digital government goals and capacity, knowledge, and competency in Government departments and entities. All this would be done while ensuring greater citizen awareness, participation, and engagement. 

Key Provisions of the Draft Policy 

The Draft Framework Policy aims to establish a cohesive digital governance ecosystem in India that balances the need for data utilization with protecting citizens' privacy rights. It sets up an institutional framework of the "India Data Management Office (IDMO) set up under the Digital India Corporation (DIC) which will be responsible for developing rules, standards, and guidelines under this Policy. 

The key provisions of the framework policy include: 

• Promoting interoperability among government digital platforms, ensuring data privacy through data anonymization and security, and enhancing citizen access to government services through digital means. 
• The policy e the creation of unified digital IDs, a standardisation in digital processes, and data-sharing guidelines across ministries to improve efficiency. 
• It also focuses on building digital infrastructure, such as cloud services and data centres in order to support e-governance initiatives. 
• Furthermore, it encourages public-private partnerships and sets guidelines for accountability and transparency in digital governance.

Implications and Concerns of the Framework 

• The policy potentially impacts data sharing in India as it mentions data anonymization. The scale of data that would need to be anonymised in India is at a very large scale and it could become a potential challenge to engage in. 
• Data localization and cross-border transfers have raised concerns among global tech companies and trade partners. They argue that such requirements could increase operational costs and hinder cross-border data flows. Striking a balance between protecting national interests and facilitating business operations remains a critical challenge.
• Another challenge associated with the policy is over-data centralization under the IDMO and the potential risks of government overreach in data access.

Key Takeaways and Recommendations

The GDPR in the European Union and the Digital Personal Data Protection Act passed in 2023 in India and many others are the data privacy laws in force in different countries. The policy needs to be aligned with the DPDP Act, 2023 and be updated as per the recent developments. It further needs to maintain transparency over the sharing of data and a user’s control. The policy needs engagement with industry experts, privacy advocates, and civil society to ensure a balance of innovation with privacy and security.

Conclusion

The Draft National Data Governance Framework Policy of 2022 represents a significant stage in shaping India's digital future. It ensures the evolution of data governance evolves alongside technological advancements. The framework policy seeks to foster a robust digital ecosystem that benefits citizens, businesses, and the government alike by focusing on the essentials of data privacy, transparency, and security. However, achieving this vision requires addressing concerns like data centralisation, cross-border data flows, and maintaining alignment with global privacy standards. Continued engagement with stakeholders and necessary updates to the draft policy will be crucial to its success in balancing innovation with user rights and data integrity. The final version of the policy is expected to be released soon.

References

• https://meity.gov.in/writereaddata/files/National-Data-Governance-Framework-Policy.pdf
• https://datareportal.com/?utm_source=DataReportal&utm_medium=Country_Article_Hyperlink&utm_campaign=Digital_2024&utm_term=India&utm_content=Home_Page_Link
• https://www.imf.org/en/Publications/fandd/issues/2023/03/data-by-people-for-people-tiwari-packer-matthan
• https://inc42.com/buzz/draft-national-data-governance-policy-under-finalisation-centre/  
• https://legal.economictimes.indiatimes.com/news/industry/government-unveiled-national-data-governance-policy-in-budget-2023/97680515

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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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