Fake News Dilemma - Virat Kohli's Case

Introduction

In the boundless world of the internet—a digital frontier rife with both the promise of connectivity and the peril of deception—a new spectre stealthily traverses the electronic pathways, casting a shadow of fear and uncertainty. This insidious entity, cloaked in the mantle of supposed authority, preys upon the unsuspecting populace navigating the virtual expanse. And in the heart of India's vibrant tapestry of diverse cultures and ceaseless activity, Mumbai stands out—a sprawling metropolis of dreams and dynamism, yet also the stage for a chilling saga, a cyber charade of foul play and fraud.

The city's relentless buzz and hum were punctuated by a harrowing tale that unwound within the unassuming confines of a Kharghar residence, where a 46-year-old individual's brush with this digital demon would unfold. His typical day veered into the remarkable as his laptop screen lit up with an ominous pop-up, infusing his routine with shock and dread. This deceiving popup, masquerading as an official communication from the National Crime Records Bureau (NCRB), demanded an exorbitant fine of Rs 33,850 for ostensibly browsing adult content—an offence he had not committed.

The Cyber Deception

This tale of deceit and psychological warfare is not unique, nor is it the first of its kind. It finds echoes in the tragic narrative that unfurled in September 2023, far south in the verdant land of Kerala, where a young life was tragically cut short. A 17-year-old boy from Kozhikode, caught in the snare of similar fraudulent claims of NCRB admonishment, was driven to the extreme despair of taking his own life after being coerced to dispense Rs 30,000 for visiting an unauthorised website, as the pop-up falsely alleged.

Sewn with a seam of dread and finesse, the pop-up which appeared in another recent case from Navi Mumbai, highlights the virtual tapestry of psychological manipulation, woven with threatening threads designed to entrap and frighten. In this recent incident a 46-year-old Kharghar resident was left in shock when he got a pop-up on a laptop screen warning him to pay Rs 33,850 fine for surfing a porn website. This message appeared from fake website of NCRB created to dupe people. Pronouncing that the user has engaged in browsing the Internet for some activities, it delivers an ultimatum: Pay the fine within six hours, or face the critical implications of a criminal case. The panacea it offers is simple—settle the demanded amount and the shackles on the browser shall be lifted.

It was amidst this web of lies that the man from Kharghar found himself entangled. The story, as retold by his brother, an IT professional, reveals the close brush with disaster that was narrowly averted. His brother's panicked call, and the rush of relief upon realising the scam, underscores the ruthless efficiency of these cyber predators. They leverage sophisticated deceptive tactics, even specifying convenient online payment methods to ensnare their prey into swift compliance.

A glimmer of reason pierced through the narrative as Maharashtra State cyber cell special inspector general Yashasvi Yadav illuminated the fraudulent nature of such claims. With authoritative clarity, he revealed that no legitimate government agency would solicit fines in such an underhanded fashion. Rather, official procedures involve FIRs or court trials—a structured route distant from the scaremongering of these online hoaxes.

Expert Take

Concurring with this perspective, cyber experts facsimiles. By tapping into primal fears and conjuring up grave consequences, the fraudsters follow a time-worn strategy, cloaking their ill intentions in the guise of governmental or legal authority—a phantasm of legitimacy that prompts hasty financial decisions.

To pierce the veil of this deception, D. Sivanandhan, the former Mumbai police commissioner, categorically denounced the absurdity of the hoax. With a voice tinged by experience and authority, he made it abundantly clear that the NCRB's role did not encompass the imposition of fines without due process of law—a cornerstone of justice grossly misrepresented by the scam's premise.

New Lesson 

This scam, a devilish masquerade given weight by deceit, might surge with the pretence of novelty, but its underpinnings are far from new. The manufactured pop-ups that propagate across corners of the internet issue fabricated pronouncements, feigned lockdowns of browsers, and the spectre of being implicated in taboo behaviours. The elaborate ruse doesn't halt at mere declarations; it painstakingly fabricates a semblance of procedural legitimacy by preemptively setting penalties and detailing methods for immediate financial redress.

Yet another dimension of the scam further bolsters the illusion—the ominous ticking clock set for payment, endowing the fraud with an urgency that can disorient and push victims towards rash action. With a spurious 'Payment Details' section, complete with options to pay through widely accepted credit networks like Visa or MasterCard, the sham dangles the false promise of restored access, should the victim acquiesce to their demands.

Conclusion 

In an era where the demarcation between illusion and reality is nebulous, the impetus for individual vigilance and scepticism is ever-critical. The collective consciousness, the shared responsibility we hold as inhabitants of the digital domain, becomes paramount to withstand the temptation of fear-inducing claims and to dispel the shadows cast by digital deception. It is only through informed caution, critical scrutiny, and a steadfast refusal to capitulate to intimidation that we may successfully unmask these virtual masquerades and safeguard the integrity of our digital existence.

References:

• https://www.onmanorama.com/news/kerala/2023/09/29/kozhikode-boy-dies-by-suicide-after-online-fraud-threatens-him-for-visiting-unauthorised-website.html
• https://timesofindia.indiatimes.com/pay-rs-33-8k-fine-for-surfing-porn-warns-fake-ncrb-pop-up-on-screen/articleshow/106610006.cms
• https://www.indiatoday.in/technology/news/story/people-who-watch-porn-receiving-a-warning-pop-up-do-not-pay-it-is-a-scam-1903829-2022-01-24

Introduction

In the age of advanced technology, Cyber threats continue to grow, and so are the cyber hubs. A new name has been added to the cyber hub, Purnia, a city in India, is now evolving as a new and alarming menace-biometric cloning and financial crimes. This emerging cyber threat involves replicating an individual’s biometric data, such as fingerprint or facial recognition, to gain unauthorised access to their bank accounts and carry out fraudulent activities. In this blog, we will have a look at the methods employed, the impact on individuals and institutions, and the necessary steps to mitigate the risk.

The Backdrop

Purnia, a bustling city in the state of Bihar, India, is known for its rich cultural heritage, However, underneath its bright appearance comes a hidden danger—a rising cyber threat with the potential to devastate its citizens’ financial security. Purnia has seen the growth of a dangerous trend in recent years, such as biometric cloning for financial crimes, after several FIRs were registered with Kasba and Amaur police stations. The Police came into action and started an investigation.

Modus Operandi unveiled

The modus Operandi of cyber criminals includes hacking into databases, intercepting data during transactions, or even physically obtaining fingerprints of facial images from objects or surfaces. Let’s understand how they gathered all this data and why Bihar was not targeted.

These criminals are way smart they operate in the three states. They targeted and have open access to obtain registry and agreement paperwork from official websites, albeit it is not available online in Bihar. As a result, the scam was conducted in other states rather than Bihar; further, the fraudsters were involved in downloading the fingerprints, biometrics, and Aadhaar numbers of buyers and sellers from the property registration documents of Andhra Pradesh, Haryana, and Telangana.

After Cloning fingerprints, the fraudster withdrew money after linking with Aadhaar Enabled Payment System (AEPS) from various bank accounts. The fraudsters stamped the fingerprint on rubber trace paper and utilised a polymer stamp machine and heating at a specific temperature with a chemical to make duplicate fingerprints used in unlawful financial transactions from several consumers’ bank accounts.

Investigation Insight

After the breakthrough, the police teams recovered a large number of smartphones, ATM cards, rubber stamps of fingerprints, Aadhar numbers, scanners, Stamp machines, laptops, and chemicals, and along with this, 17 people were arrested.

During the investigation, it was found that the cybercriminals employ Sophisticated money laundering techniques to obscure the illicit origins of the stolen funds. The fraudsters transfer money into various /multiple accounts or use cryptocurrency. Using these tactics makes it more challenging for authorities to trace back money and get it back.

Impact of biometric Cloning scam

The Biometric scam has far-reaching implications both for society, Individuals, and institutions. These kinds of scams cause financial losses and create emotional breakdowns, including anger, anxiety, and a sense of violation. This also broke the trust in a digital system.

It also seriously impacts institutions. Biometric cloning frauds may potentially cause severe reputational harm to financial institutions and organisations. When clients fall prey to such frauds, it erodes faith in the institution’s security procedures, potentially leading to customer loss and a tarnished reputation. Institutions may suffer legal and regulatory consequences, and they must invest money in investigating the incident, paying victims, and improving their security systems to prevent similar instances.

Raising Awareness

Empowering Purnia Residents to Protect Themselves from Biometric Fraud: Purnia must provide its inhabitants with knowledge and techniques to protect their personal information as it deals with the increasing issue of biometric fraud. Individuals may defend themselves from falling prey to these frauds by increasing awareness about biometric fraud and encouraging recommended practices. This blog will discuss the necessity of increasing awareness and present practical recommendations to help Purnia prevent biometric fraud. Here are some tips that one can follow;

• Securing personal Biometric data: It is crucial to safeguard personal biometric data. Individuals should be urged to secure their fingerprints, face scans, and other biometric information in the same way that they protect their passwords or PINs. It is critical to ensure that biometric data is safely maintained and shared with only trustworthy organisations with strong security procedures in place.
• Verifying Service providers: Residents should be vigilant while submitting biometric data to service providers, particularly those providing financial services. Before disclosing any sensitive information, it is important to undertake due diligence and establish the validity and reliability of the organisation. Checking for relevant certificates, reading reviews, and getting recommendations can assist people in making educated judgments and avoiding unscrupulous companies.
• Personal Cybersecurity: Individuals should implement robust cybersecurity practices to reduce the danger of biometric fraud. This includes using difficult and unique passwords, activating two-factor authentication, upgrading software and programs on a regular basis, and being wary of phishing efforts. Individuals should also refrain from providing personal information or biometric data via unprotected networks or through untrustworthy sources.
• Educating the Elderly and Vulnerable Groups: Special attention should be given to educating the elderly and other vulnerable groups who may be more prone to scams. Awareness campaigns may be modified to their individual requirements, emphasising the significance of digital identities, recognising possible risks, and seeking help from reliable sources when in doubt. Empowering these populations with knowledge can help keep them safe from biometric fraud.

Measures to Stay Ahead

As biometric fraud is a growing concern, staying a step ahead is essential. By following these simple steps, one can safeguard themselves.

• Multi-factor Authentication: MFA is one of the best methods for security. MFA creates multi-layer security or extra-layer security against unauthorised access. MFA incorporates a biometric scan and a password.
• Biometric Encryption: Biometric encryption securely stores and transmits biometric data. Rather than keeping raw biometric data, encryption methods transform it into mathematical templates that cannot be reverse-engineered. These templates are utilised for authentication, guaranteeing that the original biometric information is not compromised even if the encrypted data is.
• AI and Machine Learning (ML): AI and ML technologies are critical in detecting and combating biometric fraud. These systems can analyse massive volumes of data in real-time, discover trends, and detect abnormalities. Biometric systems may continually adapt and enhance accuracy by employing AI and ML algorithms, boosting their capacity to distinguish between legitimate users and fraudulent efforts.

Conclusion

The Biometric fraud call needs immediate attention to protect the bankers from the potential consequences. By creating awareness, we can save ourselves; additionally, by working together, we can create a safer digital environment. The use of biometric verification was inculcated to increase factor authentication for a banker. However, we see that the bad actors have already started to bypass the tech and even wreak havoc upon the netizens by draining their accounts of their hard-earned money. The banks and the cyber cells nationwide need to work together in synergy to increase awareness and safety mechanisms to prevent such cyber crimes and create effective and efficient redressal mechanisms for the citizens.

Reference

https://www.hindustantimes.com/cities/patna-news/purnia-emerges-as-cyber-fraud-hotspot-as-biometric-data-used-for-online-swindling-police-arrest-17-and-recover-cloning-equipment-1016841669436

Introduction

Bumble’s launch of its ‘Opening Move’ feature has sparked a new narrative on safety and privacy within the digital dating sphere and has garnered mixed reactions from users. It was launched against the backdrop of women stating that the ‘message first’ policy of Bumble was proving to be tedious. Addressing the large-scale review, Bumble launched its ‘Opening Move’ feature, whereby users can either craft or select from pre-set questions which potential matches may choose to answer to start the conversation at first glance. These questions are a segue into meaningful and insightful conversation from the get-go and overstep the traditional effort to start engaging chats between matched users. This feature is an optional feature that users may enable and as such does not prevent a user from exercising the autonomy previously in place.

Innovative Approach to Conversation Starters

Many users consider this feature as innovative; not only does it act as a catalyst for fluid conversation but also cultivates insightful dialogue, fostering meaningful interactions that are devoid of the constraint of superficial small talk. The ‘Opening Moves’ feature may also be aligned with unique scientific research indicating that individuals form their initial attractions within 3-seconds of intimate interaction, thereby proving to be a catalyst to the decision-making process of an individual in the attraction time frame. 

Organizational Benefits and Data Insights

From an organisational standpoint, the feature is a unique solution towards localisation challenges faced by apps; the option of writing a personalised ‘Opening Move’ implies setting prompts that are culturally relevant and appropriate in a specific area. Moreover, it is anticipated that Bumble may enhance and improve user experience within the platform through data analysis. Data from responses to an ‘Opening Move’ may provide valuable insights into user preferences and patterns by analysing which pre-set prompts garner more responses over others and how often is a user-written ‘Opening Move’ successful in obtaining a response in comparison with Bumble’s pre-set prompts. A quick glance at Bumble’s privacy policy[1] shows that data storing and transferring of chats between users are not shared with third parties, further safeguarding personal privacy. However,  Bumble does use the chat data for its own internal purposes after removing personally identifiable information from chats. The manner of such review and removal of data has not been specified, which may raise challenges depending upon whether the reviewer is a human or an algorithm.

However, some users perceive the feature as counterproductive to the company’s principle of ‘women make the first move’. While Bumble aims to market the feature as a neutral ground for matched users based on the exercise of choice, users see it as a step back into the heteronormative gender expectations that most dating apps conform to, putting the onus of the ‘first move’ on men. Many male users have complained that the feature acts as a catalyst for men to opt out of the dating app and would most likely refrain from interacting with profiles enabled with the ‘Opening Move’ feature, since the pressure to answer in a creative manner is disproportionate with the likelihood their response actually being entertained.[2] Coupled with the female users terming the original protocol as ‘too much effort’, the preset questions of the ‘Opening Move’ feature may actively invite users to categorise potential matches according to arbitrary questions that undermine real-life experiences, perspectives and backgrounds of each individual.[3]

Additionally, complications are likely to arise when a notorious user sets a question that indirectly gleans personal or sensitive, identifiable information. The individual responding may be bullied or be subjected to hateful slurs when they respond to such carefully crafted conversation prompts.

Safety and Privacy Concerns

On the corollary, the appearance of choice may translate into more challenges for women on the platform. The feature may spark an increase in the number of unsolicited, undesirable messages and images from a potential match. The most vulnerable groups at present remain individuals who identify as females and other sexual minorities.[4] At present, there appears to be no mechanism in place to proactively monitor the content of responses, relying instead on user reporting. This approach may prove to be impractical given the potential volume of objectionable messages, necessitating a more efficient solution to address this issue. It is to be noted that in spite of a user reporting, the current redressal systems of online platforms remain lax, largely inadequate and demonstrate ineffectiveness in addressing user concerns or grievances. This lack of proactiveness is violative of the right to redressal provided under the Digital Personal Data Protection Act, 2023. It is thought that the feature may actually take away user autonomy that Bumble originally aimed to grant since Individuals who identify as introverted, shy, soft-spoken, or non-assertive may refrain from reporting harassing messages altogether, potentially due to discomfort or reluctance to engage in confrontation. Resultantly, it is anticipated that there would be a sharp uptake in cases pertaining to cyberbullying, harassment and hate speech (especially vulgar communications) towards both the user and the potential match. 

From an Indian legal perspective, dating apps have to adhere to the Information Technology Act, 2000 [5], the Information Technology (Intermediary and Digital Media Ethics) Rules 2021 [6] and the Digital Personal Data Protection Act, 2023, that regulates a person’s digital privacy and set standards on the kind of content an intermediary may host. An obligation is cast upon an intermediary to uprise its users on what content is not allowed on its platform in addition to mandating intimation of the user’s digital rights. The lack of automated checks, as mentioned above, is likely to make Bumble non-compliant with the ethical guidelines. 

The optional nature of the ‘Opening Move’ grants users some autonomy. However, some technical updates may enhance the user experience of this feature. Technologies like AI are an effective aid in behavioural and predictive analysis. An upgraded ‘matching’ algorithm can analyse the number of un-matches a profile receives, thereby identifying and flagging a profile having multiple lapsed matches. Additionally, the design interface of the application bearing a filter option to filter out flagged profiles would enable a user to be cautious while navigating through the matches. Another possible method of weeding out notorious profiles is by deploying a peer-review system of profiles whereby a user has a singular check-box that enables them to flag a profile. Such a checkbox would ideally be devoid of any option for writing personal comments and would bear a check box stating whether the profile is most or least likely to bully/harass. This would ensure that a binary, precise response is recorded and any coloured remarks are avoided. [7]

Governance and Monitoring Mechanisms

From a governance point of view, a monitoring mechanism on the manner of crafting questions is critical. Systems should be designed to detect certain words/sentences and a specific manner of framing sentences to disallow questions contrary to the national legal framework. An onscreen notification having instructions on generally acceptable manner of conversations as a reminder to users to maintain cyber hygiene while conversing is also proposed as a mandated requirement for platforms. The notification/notice may also include guidelines on what information is safe to share in order to safeguard user privacy. Lastly, a revised privacy policy should establish the legal basis for processing responses to ‘Opening Moves’, thereby bringing it in compliance with national legislations such as the Digital Personal Data Protection Act, 2023.

Conclusion

Bumble's 'Opening Move' feature marks the company’s ‘statement’ step to address user concerns regarding initiating conversations on the platform. While it has been praised for fostering more meaningful interactions, it also raises not only ethical concerns but also concerns over user safety. While the 'Opening Move' feature can potentially enhance user experience, its success is largely dependent on Bumble's ability to effectively navigate the complex issues associated with this feature. A more robust monitoring mechanism that utilises newer technology is critical to address user concerns and to ensure compliance with national laws on data privacy.

Endnotes:

• [1] Bumble’s privacy policy https://bumble.com/en-us/privacy  
• [2] Discussion thread, r/bumble, Reddit https://www.reddit.com/r/Bumble/comments/1cgrs0d/women_on_bumble_no_longer_have_to_make_the_first/?share_id=idm6DK7e0lgkD7ZQ2TiTq&utm_content=2&utm_medium=ios_app&utm_name=ioscss&utm_source=share&utm_term=1&rdt=65068 
• [3] Mcrea-Hedley, Olivia, “Love on the Apps: When did Dating Become so Political?”, 8 February 2024 https://www.service95.com/the-politics-of-dating-apps/ 
• [4] Gewirtz-Meydan, A., Volman-Pampanel, D., Opuda, E., & Tarshish, N. (2024). ‘Dating Apps: A New Emerging Platform for Sexual Harassment? A Scoping Review. Trauma, Violence, & Abuse, 25(1), 752-763. https://doi.org/10.1177/15248380231162969 
• [5]  Information Technology Act, 2000 https://www.indiacode.nic.in/bitstream/123456789/13116/1/it_act_2000_updated.pdf 
• [6]  Information Technology (Intermediary Guidelines and Digital Media Ethics) Rules 2021 https://www.meity.gov.in/writereaddata/files/Information%20Technology%20%28Intermediary%20Guidelines%20and%20Digital%20Media%20Ethics%20Code%29%20Rules%2C%202021%20%28updated%2006.04.2023%29-.pdf 
• [7]  Date Confidently: Engaging Features in a Dating App (Use Cases), Consaguous, 10 July 2023 https://www.consagous.co/blog/date-confidently-engaging-features-in-a-dating-app-use-cases  

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