#FactCheck: AI Video made by Pakistan which says they launched a cross-border airstrike on India's Udhampur Airbase

Introduction

We are living in the digital age, where from ordering food to floating into a relationship everything is preferred to be digitized. It has been quite evident that in the past few years, online dating has become immensely popular due to its potential success stories. Since it has become a medium to find potential partners. Among the string of successes and pros of online dating, there seems to be a corner which is curtained that contains scams and treachery. A very recent case in Delhi puts light into the dark side of online dating where a 25-year-old journalist was trapped in an online dating scam. It portrays the threat of meeting an unknown person through an online dating app and how a person gets involved in the vicious cycle. Since the concept of online dating is all about meeting a new person and getting indulged. This incident talks about a man who met a woman through a dating app Bumble and got scammed for Rs 15000.

Unveiling the scam

It started like a fairy tale where a 25-year-old Delhi resident met with a girl on a dating app Bumble, where they spoke and found each other compatible. Followed by it the girl approaches the boy to meet at a specific restaurant situated in Delhi. The boy was away from the idea that the first meetup would turn into a nightmare which horrifying experience he would share on social media. It is not only about the financial loss but also about the emotional distress one goes through. Every coin has two sides and when surfing in the digital world one needs to keep in mind that along with the pros, there are certain cons. In the eagerness to meet someone, we should not lose our presence of mind. Continuing the incident once both reached the specified restaurant the girl made an order of various food items including beverages, shots of vodka, glasses of wine, different cuisines and hookah. Which not so surprisingly culminated in an inflated bill of Rs 15,886. After paying the hefty amount the boy went to the washroom once he came back the bill vanished followed by the girl being eager to leave the place. Till that very moment, the victim was in his dreamland where he did not get the hint that he had been scammed. Once he reached home and tried contacting the lady her account was deleted from the platform and was not reachable through calls. This incident shook the victim and pushed him to melancholy. Since he did not expect this to happen. Devastated by the fraud and treachery the man wrote about his disappointing experience on his Twitter handle addressing Delhi police to look into this.

It has been brought to the notice that similar incidents have been reported in the past as well. The trend remains the same in which the culprit insists the victim meet at a specific location decided by them, it is done with such conviction that it becomes difficult for the victim to deny. Once they accept to meet in the decided location it is followed by making the victim order expensive food and alcohol and at the time of payment giving excuses or pretending to pay. Once the payment is done the culprit rushes to leave the location or disappears without any head up. Not to be perplexed once they leave they will not leave any trace of them.

How to stay safe in the online dating world?

Online dating can bring butterflies in the stomach, and indeed it is a beautiful experience to meet someone new and fall in love but with this beauty, there comes the baggage of falling into the trap of cyber scams. While surfing online dating sites one needs to be very careful and vigilant since the highlighted incidents are relevant enough to showcase the negative impact on it.

Best practices

• Use reliable platforms:  With the growing digitalization, there are infinite platforms available for online dating. But here is the catch one needs to be very finicky in choosing an appropriate platform among the countless options. It is best to use authentic platforms or apps and read reviews and ratings before installing any such applications or platforms.
• Cross-verify the profiles:  Once you receive a profile compatible enough to talk about it is recommended to have elaborative conversations. It is not about doubting someone but being calculative and cross-checking all the information given. Before meeting the person it is best to have a detailed conversation but not reveal much about you.
• Have control in your pocket: When it comes to paying the bill be proactive in dividing the bill. It is advisable to do so that the liability of paying a hefty bill does not come from one party. This will make sure that even if one of the people has the intention to exploit the other person they will become alarmed. 
• Go with the flow: Since meeting an unknown person is all flowery and spontaneous, it is also good to follow your instinct and go with the flow if you find anything weird during the conversation or while in person. It is advisable to back off or to leave the place as soon as possible.
• Be cautious in sharing your personal information with strangers: While conversing with an unknown person online, it is very important to keep a hold on our emotions and not share any personal information which can be misused by cyber crooks. Also, it is very important that we do not discuss anything about our financial capabilities and transactions.  It is imperative to note that cyber crooks exploit the many new ways to commit online fraud by targeting innocent individuals. 
• Catching up in public places: When meeting for the first time it is advisable to meet a person in a public place such as a park, museums etc. It is the best way to avoid going to a place decided or being insisted. Since meeting in a public place gives a sense of security that people are around you.
• Keep your near people in Loop: No matter how private you are while meeting an unknown person keep your friends and near one aware of it. 

What to do if you fall into such dating scams

1. While one can be emotionally drained, it is very important to keep track of all the information shared, save all your messages, take pictures of the scammer's profile and document every small detail which can be relevant.
2. Report on the platform:  There would be a section called “Contact us” or “Report” on the platform where you can report against the scammer.  Most dating apps have this section where you can mention your issue so that they can take action against such profiles.
3. National Cyber Crime Reporting Portal, 1930 Helpline: The Cybercrime reporting portal http://www.cybercrime.gov.in/ equipped with 24x7 helpline 1930 is a powerful resource available to the victims of cybercrimes to report their cases. 

Conclusion

Online dating can become the gush of winds for someone but it is very important to keep in mind that with the potential of falling in love, there comes a threat of being trapped and getting into cyber frauds or scams. So many cases are being reported, and the recent case also highlights that not everyone on online sites is genuine. So be aware of such scams and stay informed and safe in the evolving digital environment. 

References

• https://www.moneycontrol.com/news/trends/delhi-cafes-hiring-girls-to-scam-customers-says-bumble-user-conned-out-of-rs-15000-11724701.html
• https://www.ndtv.com/delhi-news/delhi-man-falls-victim-to-scam-as-bumble-date-costs-him-15-000-4566680/amp/1
• https://services.india.gov.in/service/detail/national-cyber-crime-reporting-portal#:~:text=This%20portal%20is%20an%20initiative,crimes%20against%20women%20and%20children.

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Introduction

According to the Finance Ministry's data, the incidence of domestic Unified Payment Interface (UPI) fraud rose by 85% in FY 2023-24 compared to FY 2022-23. Further, as of September of FY 2024-25, 6.32 lakh fraud cases had been already reported, amounting to Rs 485 crore. The data was shared on 25th November 2024, by the Finance Ministry in response to a question in Lok Sabha’s winter session about the fraud in UPI transactions during the past three fiscal years.

Statistics

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UPI Frauds and Government's Countermeasures 

On the query as to measures taken by the government for safe and secure UPI transactions and prevention of fraud in the transactions, the ministry has highlighted the measures as follows: 

• The Reserve Bank of India (RBI) has launched the Central Payment Fraud Information Registry (CPFIR), a web-based tool for reporting payment-related frauds, operational since March 2020, and it requires requiring all Regulated Entities (RE) to report payment-related frauds to the said CPFIR.

• The Government, RBI, and National Payments Corporation of India (NPCI) have implemented various measures to prevent payment-related frauds, including UPI transaction frauds. These include device binding, two-factor authentication through PIN, daily transaction limits, and limits on use cases.
• Further, NPCI offers a fraud monitoring solution for banks, enabling them to alert and decline transactions using AI/ML models. RBI and banks are also promoting awareness through SMS, radio, and publicity on 'cyber-crime prevention'.
• The Ministry of Home Affairs has launched a National Cybercrime Reporting Portal (NCRP) (www.cybercrime.gov.in) and a National Cybercrime Helpline Number 1930 to help citizens report cyber incidents, including financial fraud. Customers can also report fraud on the official websites of their bank or bank branches.
• The Department of Telecommunications has introduced the Digital Intelligence Platform (DIP) and 'Chakshu' facility on the Sanchar Saathi portal, enabling citizens to report suspected fraud messages via call, SMS, or WhatsApp.

Conclusion  

UPI is India's most popular digital payment method.  As of June 2024, there are around 350 million active users of the UPI in India. The Indian Cyber Crime Coordination Centre (I4C) report indicates that ‘Online Financial Fraud’, a cyber crime category under NCRP, is the most prevalent among others. The rise of financial fraud, particularly UPI fraud is cause for alarm, the scammers use sophisticated strategies to deceive victims. It is high time for netizens to exercise caution and care with their personal and financial information, stay aware of common tactics used by fraudsters, and adhere to best security practices for secure transactions and the safe use of UPI services.

References

• https://sansad.in/getFile/loksabhaquestions/annex/183/AU211_sk53e3.pdf?source=pqals

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Introduction

The role of ‘Small and Medium Enterprises’ (SMEs) in the economic and social development of the country is well established. The SME sector is often driven by individual creativity and innovation. With its contribution at  8% of the country’s GDP, and 45% of the manufactured output and 40% of its exports, SMEs provide employment to about 60 million persons through over 26 million enterprises producing over six thousand products. 

It would be an understatement to say that the SMEs sector in India is highly heterogeneous in terms of the size of the enterprises, variety of products and services produced and the levels of technology employed. With the SME sector booming across the country, these enterprises are contributing significantly to local, state, regional and national growth and feeding into India’s objectives of inclusive, sustainable development. 

As the digital economy expands, SMEs cannot be left behind and must integrate online to be able to grow and prosper. This development is not without its risks and cybersecurity concerns and digital threats like misinformation are fast becoming a pressing pain point for the SME sector. The unique challenge posed to SMEs by cyber threats is that while the negative consequences of digital risks are just as damaging for the SMEs as they are for larger industries, the former’s ability to counter these threats is not at par with the latter, owing to the limited nature of resources at their disposal. The rapid development of emerging technologies like artificial intelligence makes it easier for malicious actors to develop bots, deepfakes, or other forms of manipulated content that can steer customers away from small businesses and the consequences can be devastating. 

Misinformation is the sharing of inaccurate and misleading information, and the act can be both deliberate and unintentional. Malicious actors can use fake reviews, rumours, or false images to promote negative content or create backlash against a business’ brand and reputation. For a fledgling or growing enterprise, its credibility is a critical asset and any threat to the same is as much a cause for concern as any other operational hindrance. 

Relationship Building to Counter Misinformation

We live in a world that is dominated by brands. A brand should ideally inspire trust. It is the single most powerful and unifying characteristic that embodies an organisation's culture and values and once well-established, can create incremental value. Businesses report industry rumours where misinformation resulted in the devaluation of a product, sowing mistrust among customers, and negatively impacting the companies’ revenue. Mitigating strategies to counter these digital downsides can include implementing greater due diligence and basic cyber hygiene practices, like two-factor or multi-factor authentication, as well as open communication of one’s experiences in the larger professional and business networks. 

The loss of customer trust can be fatal for a business, and for an SME, the access to the scale of digital and other resources required to restore reputations may simply not be a feasible option. Creating your brand story is not just the selling pitch you give to customers and investors, but is also about larger qualitative factors such as your own motivation for starting the enterprise or the emotional connection your audience base enjoys with your organisation. The brand story is a mosaic of multiple tangible and intangible elements that all come together to determine how the brand is perceived by its various stakeholders. Building a compelling and fortified brand story which resonates deeply with people is an important step in developing a robust reputation. It can help innoculate against several degrees of misinformation and malicious attempts and ensure that customers continue to place their faith in the brand despite attempts to hurt this dynamic.

Engaging with the target audience, ie, the customer base is part of an effective marketing tool and misinformation inoculation strategy. SMEs should also continuously assess their strategies, adapt to market changes, and remain agile in their approach to stay competitive and relevant in today's dynamic business environment. These strategies will lead to greater customer engagement through the means of feedback, reviews and surveys which help in building trust and loyalty. Innovative and dynamic customer service engages the target audience and helps in staying in the competition and being relevant.

Crisis Management and Response

Having a crisis management strategy is an important practice for all SMEs and should be mandated for better policy implementation. Businesses need greater due diligence and basic cyber hygiene practices, like two-factor authentication, essential compliances, strong password protocols, transparent disclosure, etc. 

The following steps should form part of a crisis management and response strategy:

• Assessing the damage by identifying the misinformation spread and its impact is the first step.  
• Issuing a response in the form of a public statement by engaging the media should precede legal action. 
• Two levels of communication need to take place in response to a misinformation attack. The first tier is internal, to the employees and it should clarify the implications of the incident and the organisation’s response plan. The other is aimed at customers via direct outreach to clarify the situation and provide accurate information in regard to the matter.  If required the employees can be provided training related to the handling of the customer enquiries regarding the misinformation.
• The digital engagement of the enterprise should be promptly updated and social media platforms and online communications must address the issue and provide clarity and factual information. 
• Immediate action must include a plan to rebuild reputations and trust by ensuring customers of the high quality of products and services. The management should seek customer feedback and show commitment to improving processes and transparency. Sharing positive testimonials and stories of satisfied customers can also help at this stage. 
• Engaging with the community and collaborating with organisations is also an important part of crisis management.

While these steps are for rebuilding and crisis management, further steps also need to be taken:

• Monitoring customer sentiment and gauging the effectiveness of the efforts taken is also necessary. And if required, strategic adjustments can be made in response to the evolving circumstances. 
• Depending on the severity of the impact, management may choose to engage the professional help of PR consultants and crisis management experts to develop comprehensive recovery plans and help navigate the situation.
• A long-term strategy which focuses on building resilience against future attacks is important. Along with this, engaging in transparency and proactive communication with stakeholders is a must.

Legal and Ethical Considerations

SMEs administrators must prioritise ethical market practices and appreciate that SMEs are subject to laws which deal with defamation, intellectual property rights- trademark and copyright infringement in particular, data protection and privacy laws and consumer protection laws. Having the knowledge of these laws and ensuring that there is no infringement upon the rights of other enterprises or their consumers is integral in order to continue engaging in business legally. 

Ethical and transparent business conduct includes clear and honest communication and proactive public redressal mechanisms in the event of misinformation or mistakes. These efforts go a long way towards building trust and accountability. 

Proactive public engagement is an important step in building relationships. SMEs can engage with the community where they conduct their business through outreach programs and social media engagement. Efforts to counter misinformation through public education campaigns that alert customers and other stakeholders about misinformation serve the dual purpose of countering misinformation and creating deep community ties. SME administrators should monitor content and developments in their markets and sectors to ensure that their marketing practices are ethical and not creating or spreading misinformation, be it in the form of active sensationalising of existing content or passive dissemination of misinformation created by others. Fact-checking tools and expert consultations can help address and prevent a myriad of problems and should be incorporated into everyday operations.

Conclusion

Developing strong cybersecurity protocols, practising basic digital hygiene and ensuring regulatory compliances are crucial to ensure that a business not only survives but also thrives. Therefore, a crisis management plan and trust-building along with ethical business and legal practices go a long way in ensuring the future of SMEs.  In today's digital landscape, misinformation is pervasive, and trust has become a cornerstone of successful business operations. It is the bedrock of a resilient and successful SME. By implementing and continuously improving trust-building efforts, businesses can not only navigate the challenges of misinformation but also create lasting value for their customers and stakeholders. Prioritising trust ensures long-term growth and sustainability in an ever-evolving digital landscape.

References 

• https://SME.gov.in/sites/default/files/SME-Strategic-Action-Plan.pdf 
• https://carnegieendowment.org/research/2024/01/countering-disinformation-effectively-an-evidence-based-policy-guide?lang=en 
• https://dcSME.gov.in/Report%20of%20Expert%20Committee%20on%20SMEs%20-%20The%20U%20K%20Sinha%20Committee%20constitutes%20by%20RBI.pdf 

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