#FactCheck - Viral Post of Gautam Adani’s Public Arrest Found to Be AI-Generated

Introduction

The whole world is shifting towards a cashless economy, with innovative payment transaction systems such as UPI payments, card payments, etc. These payment systems require processing, storage, and movement of millions of cardholders data which is crucial for any successful transaction.

And therefore to maintain the credibility of this payment ecosystem, security or secure movement and processing of cardholders data becomes paramount. Entities involved in a payment ecosystem are responsible for the security of cardholders data. Security is also important because if breaches happen in cardholders data it would amount to financial loss. Fraudsters are attempting smart ways to leverage any kind of security loopholes in the payment system.

So these entities which are involved in the payment ecosystem need to maintain some security standards set by one council of network providers in the payment industry popularly known as the Payment Card Industry Security Standard Council.

Overview of what is PCI and PCI DSS Compliance

Earlier every network providers in the payment industry have their own set of security standards but later they all together i.e., Visa, Mastercard, American Express, Discover, and JCB constituted an independent body to come up with comprehensive security standards like PCI DSS, PA DSS, PCI-PTS, etc.  And these network providers ensure the enforcement of the security standards by putting conditions on services being provided to the merchant or acquirer bank.

In other words, PCI DSS particularly is the global standard that provides a baseline of technical and operational requirements designed to protect account data. PCI DSS is a security standard specially designed for merchants and service providers in the payment ecosystem to protect the cardholders data against any fraud or theft.

It applies to all the entities including third-party vendors which are involved in processing storing and transmitting cardholders data. In organization, even all CDE (Card Holder Data Environment) including system components or network component that stores and process cardholders data, has to comply with all the requirements of PCI compliance.  Recently PCI has released a new version of PCI DSS v4.0 a few months ago with certain changes from the previous version after three years of the review cycle.

12 Requirements of PCI DSS

This is the most important part of PCI DSS as following these requirements can make any organization to some extent PCI compliant. So what are these requirements:

• Installing firewalls or maintaining security controls in the networks
• Use strong password in order to secure the CDE( Card holders data environment)
• Protection of cardholder data
• Encrypting the cardholder data during transmission over an open and public network.
• Timely detection and protection of the cardholders data environment from any malicious activity or software.
• Regular updating the software thereby maintaining a secure system.
• Rule of business need to know should apply to access the cardholders data
• Identification and authentication of the user are important to access the system components.
• Physical access to cardholders data should be restricted.
• Monitoring or screening of system components to know the malicious activity internally in real-time.
• Regular auditing of security control and finding any vulnerabilities available in the systems.
• Make policies and programs accordingly in order to support information security.

How organization can become PCI compliant

• Scope: First step is to determine all the system components or networks storing and processing cardholders data i.e., Cardholders Data Environment.
• Assess: Then test whether these systems or networks are complying with all the requirements of PCI DSS COMPLIANCE.
• Report: Documenting all the assessment through self assessment questionnaire by answering following questions like whether the requirements are met or not? Whether the requirements are met with customized approach.
• Attest: Then the next step is to complete the attestation process available on the website of PCI SSC.
• Submit: Then organization can submit all the documents including reports and other supporting documents if it is requested by other entities such as payment brands, merchant or acquirer.
• Remediate: Then the organisation should take remedial action for the requirements which are not in place on the system components or networks.

Conclusion

One of the most important issues facing those involved in the digital payment ecosystem is cybersecurity. The likelihood of being exposed to cybersecurity hazards including online fraud, information theft, and virus assaults is rising as more and more users prefer using digital payments.

And thus complying and adopting with these security standards is the need of the hour. And moreover RBI has also mandated all the regulated entities ( NBFCs Banks etc) under one recent notification to comply with these standards.

Introduction

Established in the US, one of the world’s largest cab networks came into existence in 2010 and, since its inception, has expanded all over the globe with operations in 10,000 cities across 71 countries. It made a remarkable start in India in 2017 and, since then, has seen a rise in the customers and drivers for the company. India is among the largest markets for Uber, with 600,000 monthly drivers and 8.5 million monthly riders.

GeM

Government e-Marketplace (GeM) is a one-stop portal to facilitate online procurement of common-use Goods & Services required by various Government Departments / Organizations / PSUs. GeM aims to enhance transparency, efficiency and speed in public procurement. It provides the tools of e-bidding, reverses e-auction and demand aggregation to facilitate government users achieve the best value for their money. Government e-Marketplace owes its genesis to the recommendations of two Groups of Secretaries to the Prime Minister in January 2016. They recommended setting up a dedicated e-market for different goods & services procured or sold by Government/PSUs besides reforming DGS&D. Subsequently, the Finance Minister, in his Budget speech for FY 2016-17, announced setting up of a technology-driven platform to facilitate procurement of goods and services by various Ministries and agencies of the Government. The portal was launched on 9th August 2016 by the Commerce & Industry Minister.

Uber-GeM collaboration

The cab network giant has registered on the portal of the Government E-marketplace and has declared that it will offer its services to Government officials from Ministries and PSUs. The project is currently in its pilot phase and shall be executed systematically to cover all the ministries and PSUs in the nation. The officials can book cabs at a fixed price with no cancellation or surge fees on the rides. The authorised officials will be able to book a cab from the portal and select from the list of drivers available. It will be a cashless/cardless ride for the officials; additional vehicle categories for government riders have been added, namely, GeM Yatraa Hatch and GeM Yatraa Sedan, and there will be hourly rentals for multiple-stops, allowing the government officials to enjoy the flexible and easily accessible network of cabs in major cities.

Advantages

Such collaboration between Government institutions and corporates will go a long way to secure a stable equilibrium in the market. Uber, a US-based company, enjoys a vast user base in India and has created new job avenues. The advantages of the collaboration between GeM and Uber are as follows-

Easy accessibility

This will undoubtedly provide ease in accessibility in terms of being in a new place, and language barriers will no longer exist with such options for Government officials.

Increased jobs for drivers

With more cabs being engaged with ministries and PSUs, it is pertinent that the requirement for drivers will grow, thus increasing the employability rate in India and allowing the user to have an uninterrupted experience.

Ease of travel and commuting

This move will provide flexibility, thus leading to more ease in travel in cases of emergencies or places inaccessible by trains or other modes of transport.

Rise in travel and tourism

Coupled with the other factors, the opportunities for the users to visit different places will be an added advantage which will help boost the tourism industry, thus creating a balance in the market.

Sustainable Government corporate relationship

Such collaborations between the government and corporates will be substantial, signifying the ease of doing business in India. They will also act as a beacon of example for compliance with opportunities for the other companies and stakeholders.

Opportunities for collaboration with ingenious start-ups

With such major corporate joining hands with the government, the indigenous start-ups will have various opportunities to engage with companies and recreate similar businesses rooted in India, thus transforming the economy.

Conclusion

Transportation and communication play a vital role in our lives, thus, such collaboration will go a long way in creating a better and more uniform user experience in the country. This also goes a long way to showcase that the Governmental platforms also offer services of a global standard. Such portals exist in South Korea, Singapore, the US and Europe. The network of cabs can only be sustained using the locals as drivers, hence these collaborations are win-win for all as the market dynamics are improving, employability will increase, and improved user experience will be seen.

Introduction

The first activity one engages in while using social media is scrolling through their feed and liking or reacting to posts. Social media users' online activity is passive, involving merely reading and observing, while active use occurs when a user consciously decides to share information or comment after actively analysing it. We often "like" photos, posts, and tweets reflexively, hardly stopping to think about why we do it and what information it contains. This act of "liking" or "reacting" is a passive activity that can spark an active discourse. Frequently, we encounter misinformation on social media in various forms, which could be identified as false at first glance if we exercise caution and avoid validating it with our likes.

Passive engagement, such as liking or reacting to a post, triggers social media algorithms to amplify its reach, exposing it to a broader audience. This amplification increases the likelihood of misinformation spreading quickly as more people interact with it. As the content circulates, it gains credibility through repeated exposure, reinforcing false narratives and expanding its impact.

Social media platforms are designed to facilitate communication and conversations for various purposes. However, this design also enables the sharing, exchange, distribution, and reception of content, including misinformation. This can lead to the widespread spread of false information, influencing public opinion and behaviour. Misinformation has been identified as a contributing factor in various contentious events, ranging from elections and referenda to political or religious persecution, as well as the global response to the COVID-19 pandemic.

The Mechanics of Passive Sharing

Sharing a post without checking the facts mentioned or sharing it without providing any context can create situations where misinformation can be knowingly or unknowingly spread. The problem with sharing and forwarding information on social media without fact-checking is that it usually starts in small, trusted networks before going on to be widely seen across the internet. This web which begins is infinite and cutting it from the roots is necessary. The rapid spread of information on social media is driven by algorithms that prioritise engagement and often they amplify misleading or false content and contribute to the spread of misinformation.  The algorithm optimises the feed and ensures that the posts that are most likely to engage with appear at the top of the timeline, thus encouraging a cycle of liking and posting that keeps users active and scrolling.

The internet reaches billions of individuals and enables them to tailor persuasive messages to the specific profiles of individual users. The internet because of its reach is an ideal medium for the fast spread of falsehoods at the expense of accurate information. 

Recommendations for Combating Passive Sharing

The need to combat passive sharing that we indulge in is important and some ways in which we can do so are as follows:

• We need to critically evaluate the sources before sharing any content. This will ensure that the information source is not corrupted and used as a means to cause disruptions. The medium should not be used to spread misinformation due to the source's ulterior motives. Tools such as crowdsourcing and AI methods have been used in the past to evaluate the sources and have been successful to an extent.
• Engaging with fact-checking tools and verifying the information is also crucial. The information that has been shared on the post needs to be verified through authenticated sources before indulging in the practice of sharing. 
• Being mindful of the potential impact of online activity, including likes and shares is important. The kind of reach that social media users have today is due to several reasons ranging from the content they create, the rate at which they engage with other users etc.  Liking and sharing content might not seem much for an individual user but the impact it has collectively is huge.

Conclusion 

Passive sharing of misinformation, like liking or sharing without verification, amplifies false information, erodes trust in legitimate sources, and deepens social and political divides. It can lead to real-world harm and ethical dilemmas. To combat this, critical evaluation, fact-checking, and mindful online engagement are essential to mitigating this passive spread of misinformation. The small act of “like” or “share” has a much more far-reaching effect than we anticipate and we should be mindful of all our activities on the digital platform. 

References

• https://www.tandfonline.com/doi/full/10.1080/00049530.2022.2113340#summary-abstract 
• https://timesofindia.indiatimes.com/city/thane/badlapur-protest-police-warn-against-spreading-fake-news/articleshow/112750638.cms

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