#FactCheck - Viral Video of Argentina Football Team Dancing to Bhojpuri Song is Misleading

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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What are Wi-Fi attacks?

Wi-fi is an important area of cyber security and there is no need for physical cable for the network. Wi-Fi has access to a network signal radius everywhere. The devices and systems can have a network without physical access due to Wi-fi. But everything comes with cons and pros, and if we talk about cybersecurity, it has been established that Wi-fi networks are extremely vulnerable to security breaches and it is very easy to be hacked by hackers. Wi-Fi can be accessed by almost every device in the modern day: it can be smartphones, tablets, computers, and laptops. To know whether someone has been tampering with your personal Wi-Fi there are certain signs that can prove it. The first and most important sign is that your internet speed gets slower, as someone else is using your Wi-Fi surf.

Why would anyone hack someone’s Wi-Fi network?

Usually, hackers hack the network because they want access to the confidential data of someone and they can observe all the online activities and data that have been sent through a network. An unauthorize hacker will pretty much be able to see everything you do online. Wi-Fi allows hackers o view information on sites. Any financial information which is saved in the browser can be accessed by hackers and they can alter it and can alter the content you see online. And all the information saved in Wi-fi networks can be used by hackers for their own benefit, they can sell it, impersonate you, or even take money out of your bank through Wi-Fi.

Avoiding vulnerable Wi-Fi networks

The first and foremost rule of protection is that you should not use public networks if that network is easily open to you then that is also available to others and from others, and someone can who wishes to use your confidential and sensitive information, can access that.  If you really need to access the public network in an urgent situation, then you must make sure to limit your activities while connected. And avoid accessing your online banking or pages that require login information. Also, a good measure to take as well is to always delete your cookies after using public WIFI.

How To Secure Your Home Wi-Fi Network

Your home’s wireless internet connection is your Wi-Fi network. Typically, a wireless router is used, which broadcasts a signal into the atmosphere. You can connect to the internet using that signal. However, if your network is not password-protected, any nearby device can grab the signal off the air and connect to your internet. The benefit of Wi-Fi? Wireless access to the internet is possible. The negative? Your internet activity, including your personal information, may be visible to neighboring users who connect to your unprotected network. Furthermore, if someone uses your network to conduct a crime or send out unauthorized spam, you might be held accountable.

Wi-Fi or Li-Fi? –

The common consensus is that Li-Fi technology is more secure than Wi-Fi. Li-Fi systems can be made more secure by integrating a variety of security features. Although these qualities might appear when Li-Fi is widely used in the near future, it is already thought to be safer because of a number of security features. Since the connection’s characteristics make it simpler to lock connections, limit access, and track users even in the absence of encryption and other security features, Li-Fi is seen as being safer. Li-Fi systems will be able to support new security protocols, which will not only enable high-speed networking but also open the door for innovative security techniques to strengthen connections.

Conclusion

A hacker can sniff the network packets without having to be in the same building where the network is located. As wireless networks communicate through radio waves, a hacker can easily sniff the network from a nearby location. Most attackers use network sniffing to find the SSID and hack a wireless network.

Any wireless network can theoretically be attacked in a number of different ways. Use of the default SSID or password, WPS pin authentication, insufficient access control, and leaving the access point available in open locations are all examples of potential vulnerabilities that could allow for the theft of sensitive data. Kismet’s architecture in WIDS mode may guard against DOS, MiTM, and MAC spoofing attacks. routine software updates on the other hand, the use of firewalls may help defend the network against outside intrusion. The act of finding infrastructure issues that could allow harmful code to be injected into a service, system, or organization is known as ethical hacking. They use this technique to prevent invasions by lawfully breaking into networks and looking for weak spots.

Introduction

A child joining a learning platform may encounter a request for approval. I see that the step appears straightforward. The step raises a difficult question: how should the service verify consent without gathering unnecessary information about the family? India’s Digital Personal Data Protection Rules, 2025 provide mechanisms for parental consent with the relevant requirements subject to phased commencement. This creates an opportunity to examine how protection should work in practice. Verification can support accountability while designed systems could introduce additional collection and security risks. The policy challenge is to make consent meaningful while limiting exposure during the verification process. I think that consent should be clear and easy to give. Children’s privacy will depend on the design of the service well as the procedure used to obtain approval.

• Understanding the Legal Framework

The Digital Personal Data Protection Act 2023 says a child is someone who's under eighteen years old. Section 9 creates a plan about permission, harmful processing, tracking, watching behavior and ads aimed at children plus some exceptions.

Rule 10 in the 2025 Rules explains how to get confirmed permission. It says that the person who says they are the parent must be an adult who can be identified using identity and age information or special digital codes.

Starting to use the rules needs explanation. Rule 1 says that Rules 3 5 to 16, 22 and 23 will begin after eighteen months from the day they are published. Rule 10 is part of that group. People who write about this should make sure to separate the framework from rules that are already in place.

This difference also helps companies get ready properly. Putting the rules into action means making choices, about alerts, checking identities, keeping data letting people see it and handling complaints. Looking at the framework as something to design gives advantage rather than just making compliance about clicking one button.

• Consent and Age Checks Serve Different Purposes

Determining whether a user is a child and verifying the adult who provides consent are tasks but these tasks answer different questions. A service may need to understand which safeguards apply to an account. The service must separately consider whether its consent process meets the requirements.

For example, a hypothetical learning service might already hold adult identity information, for a parent who pays for an account. Another family may approach the service for the time. These circumstances raise implementation questions even when both families want the same educational access.

Designers should map these situations before choosing a verification process. Designers should identify what each check establishes, what remains uncertain and what evidence is necessary. Collecting documents without a clear purpose can complicate the process without resolving the underlying issue. A careful system should be able to explain why information is requested and how it contributes to the verification task.

• The Privacy Cost of Verification

Verification can create a tension between feeling safe and being exposed. A service that wants to be sure about a person’s age may think about asking for identity information. The process should also look at whether keeping that information creates risks that go beyond the original purpose.

Consider a platform that keeps full document images forever after it finishes a check. The policy concern for Verification is whether the ongoing exposure is justified by a continuing need. Verification of a result and an entire identity document are kinds of information and they have different consequences if they are accessed improperly.

Privacy‑conscious design, for Verification should therefore look at collection and retention separately. Verification teams should ask what information must be received, what evidence must stay, who needs access and when deletion is appropriate following legal rules. Verification should not become a chance to build profiles. Verification safeguards should be checked before a system becomes routine when fixing a wide design may be harder.

• Making Protection Accessible to Families

Even if a process is technically sound it can still leave people out when it assumes that every parent owns a smartphone, has the internet and feels confident using digital identity services. The policy objective must provide a route that fits families with varied circumstances and abilities

Services should give explanations that anyone can understand, offer language options that suit each user and give help when verification fails. A clear error message should show a person what to do keeping sensitive details private. If a person keeps failing the process should trigger a review rather than an unexplained rejection.

Children also need to understand. Parental consent alone does not remove the need to explain things to the child. A service can use age‑appropriate language to tell the child what data it collects and how the child can get help. The design must not push families to approve. An accessible process offers everyone a chance to grasp the decision and finish it without extra pressure or confusion.

• Moving Beyond the Consent Screen

Consent is one part of a safety architecture. A platform should also look at the experience that happens after someone agrees. Which features are turned on what information other people can. Whether the design pushes someone to share more than they need to.

A pretend educational app might need a child's progress detail to give lessons. That does not mean every extra social feature should be turned on automatically. Teams that make products should check each feature on its own. Tell people why it is there instead of thinking that saying yes once means all future choices are settled.

Moving between accounts needs thinking about too. Services should think about how information and permissions will be checked as users get older and their lives change. They should also make it clear how to fix mistakes or report problems. Good management means people inside a company have to take charge of these choices. A privacy statement by itself cannot show if the real service matches the promises, in the written rules.

Conclusion

Children’s privacy needs to be protected through a balance between legal rules and everyday choices made by product creators. The DPDP framework offers a foundation for looking at parental consent. Putting it into practice also means thinking about fairness, how easy it is for people to use and how verification data is handled. Services should explain clearly what they need, why they need information and how they will keep data exposure to a minimum. When something goes wrong in the process families should get explanations and real help. Kids should not face a risky experience. Instead, the design should put children’s being first. Ultimately success means that verification helps make the service safer, without compromising the privacy of the children it is meant to protect.

References

1. https://www.meity.gov.in/static/uploads/2024/06/2bf1f0e9f04e6fb4f8fef35e82c42aa5.pdf
2. https://www.meity.gov.in/static/uploads/2025/11/53450e6e5dc0bfa85ebd78686cadad39.pdf

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