Securing Digital Banking: RBI Mandates Migration to [.]bank[.]in Domains

Introduction

As per the National Crime Records Bureau (NCRB) ‘Cyber Crime In India Report 2022’, A total of 65,893 cases were registered under Cyber Crimes, showing an increase of 24.4% in registration in comparison to 52,974 cases registered in 2021. The crime rate increased from 3.9 in 2021 to 4.8 in 2022. During 2022, 64.8% of cyber-crime cases registered were for the motive of fraud (42,710 out of 65,893 cases), followed by Extortion with 5.5% (3,648 cases) and Sexual Exploitation with 5.2% (3,434 cases). The statistics released by NCRB show the increased rate of cyber crimes in the country, which poses a significant question of safety in the online world. The rise in cybercrime indicates a rise in emerging criminal groups with malicious intentions, creating new cybercrime hotspots in the country where these groups target and commit cyber crimes despite limited resources.

Cyber Crime Hotspots

Police have recently arrested several cyber criminals in a specific region, indicating that certain areas have become hotspots for cybercrime. Mewat region is one such hotspot indicating a growing trend of cybercrime operating from this area. The Mewat gang's modus operandi is quite different; Cybercriminals in Mewat scam mobile owners just using smartphones and SIM cards without kingpins and targeting mobile owners. The scammers also lure people through online marketplaces such as OLX, in which they pretend to sell possessions and then either physically lure victims to pick-up locations or scam them virtually. 

A study conducted by Future Crime Research Foundation and IIT Kanpur in 2023 has revealed that Jamatara city, once considered the cyber crime capital of India, is no longer the epicentre. The study found that 35 hotspots in India are actively involved in cybercrime activities. The top 10 cybercrime hotspots in India collectively account for 80% of cybercrime-related cases in India. These districts are strategically located near India's capital or closer to the National Capital Region (NCR). These districts are strategically placed with multiple borders, making them easy targets for criminals.  

Online financial fraud and social media-related crimes are the most common in India. Cybercriminals exploit data as a gold mine, using it to commit crimes. For instance, they can obtain banking and insurance data, use simple AI tools to cheat victims, and they can easily impersonate identities to lure innocent people. In cybercrime hotspots, sextortion is a modern way for cybercriminals to record and demand money. Loan app fraud, OLX fraud, and job fraud also originate from these specific regions.

Recommendations 

To counter the challenges posed by emerging cybercrime hubs, the following recommendations are to be considered: 

• Advanced threat Intelligence: The digital landscape is evolving, and the threat landscape is becoming more complex. AI's role in cybersecurity is becoming increasingly critical, both positively and negatively, as it helps in understanding and addressing advanced threats. AI is capable of proactive threat hunting, real-time anomaly detection, and swift incident response.
• Enhancing capabilities of Law Enforcement Agencies: Law enforcement agencies must be sensitised to advanced tools or techniques to investigate cyber crime cases effectively. The development and implementation of advanced forensic tools and technologies need to be utilised or implemented to keep up with the evolving tactics of cybercrime perpetrators. 
• Continuous Monitoring: Continuous cybersecurity monitoring is crucial for detecting anomalies and preventing cyber-attacks. It involves analysing systems and data to establish baseline security, identify deviations, and investigate potential threats. Cybersecurity experts use data observability tools, artificial intelligence, and machine learning to detect unexpected dataset changes.
• Cyber Security Awareness: Public awareness needs to be higher. Cybercrime prevention and cybersecurity is a shared responsibility of all of us by being aware of the threats and following the best practices. The frequent interaction between law enforcement and the public is necessary to raise awareness about safeguarding personal and financial information. Effective campaigns on cyber security are necessary to educate netizens.

Safety Tips for Netizens

Install up-to-date security software and firewalls on devices, use strong passwords for accounts, and regularly update software and applications. Be cautious when clicking on links or downloading files from unknown sources, and be cautious of your personal information.

Conclusion

The rise of Cyber Crime Hotspots in specific regions or districts has significantly exacerbated the issue of increasing cybercrime rates. In order to combat cybercrime more effectively, it is necessary for law enforcement agencies to strengthen their coordination between different states and to adapt advanced technology methods to counter cybercrime threats effectively. Moreover, educating netizens about cyber crime threats and providing best practices is an effective method to counter these threats, considered the first line of defense against cybercrime.

References

• https://ncrb.gov.in/uploads/nationalcrimerecordsbureau/custom/1701607577CrimeinIndia2022Book1.pdf
• https://economictimes.indiatimes.com/tech/technology/no-kingpins-just-a-smartphone-and-sim-card-how-cybercriminals-in-mewat-scam-mobile-owners/articleshow/98062889.cms?from=mdr
• https://www.futurecrime.org/fcrf-cyber-crime-survey-2023
• https://timesofindia.indiatimes.com/city/mumbai/jamtara-loses-crown-as-new-remote-districts-rewrite-indias-cybercrime-map/articleshow/104475868.cms?from=mdr
• https://government.economictimes.indiatimes.com/news/secure-india/80-of-cyber-crimes-from-10-new-districts-iit-report/103921338
• https://www.dw.com/en/how-mewat-became-indias-new-hub-for-cyber-criminals/video-68674527
• https://www.indiatoday.in/from-india-today-magazine/story/into-cybercrime-hotspot-india-mewat-rajasthan-haryana-uttar-pradesh-2381545-2023-05-19
• https://frontline.thehindu.com/the-nation/spotlight-how-nuh-district-in-haryana-became-a-breeding-ground-for-cybercriminals/article67098193.ece
• https://www.opindia.com/2024/04/nuh-mewat-cyber-crime-haryana-police-crackdown/#google_vignette

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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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Introduction

The spread of information in the quickly changing digital age presents both advantages and difficulties. The phrases "misinformation" and "disinformation" are commonly used in conversations concerning information inaccuracy. It's important to counter such prevalent threats, especially in light of how they affect countries like India. It becomes essential to investigate the practical ramifications of misinformation/disinformation and other prevalent digital threats. Like many other nations, India has had to deal with the fallout from fraudulent internet actions in 2023, which has highlighted the critical necessity for strong cybersecurity safeguards. 

The Emergence of AI Chatbots; OpenAI's ChatGPT and Google's Bard

The launch of OpenAI's ChatGPT in November 2022 was a major turning point in the AI space, inspiring the creation of rival chatbot ‘Google's Bard’ (Launched in 2023). These chatbots represent a significant breakthrough in artificial intelligence (AI) as they produce replies by combining information gathered from huge databases, driven by Large Language Models (LLMs). In the same way, AI picture generators that make use of diffusion models and existing datasets have attracted a lot of interest in 2023. 

Deepfake Proliferation in 2023

Deepfake technology's proliferation in 2023 contributed to misinformation/disinformation in India, affecting politicians, corporate leaders, and celebrities. Some of these fakes were used for political purposes while others were for creating pornographic and entertainment content. Social turmoil, political instability, and financial ramifications were among the outcomes. The lack of tech measures about the same added difficulties in detection & prevention, causing widespread synthetic content.

Challenges of Synthetic Media

Problems of synthetic media, especially AI-powered or synthetic Audio video content proliferated widely during 2023 in India. These included issues with political manipulation, identity theft, disinformation, legal and ethical issues, security risks, difficulties with identification, and issues with media integrity.  It covered an array of consequences, ranging from financial deception and the dissemination of false information to swaying elections and intensifying intercultural conflicts.

Biometric Fraud Surge in 2023

Biometric fraud in India, especially through the Aadhaar-enabled Payment System (AePS), has become a major threat in 2023. Due to the AePS's weaknesses being exploited by cybercriminals, many depositors have had their hard-earned assets stolen by fraudulent activity. This demonstrates the real effects of biometric fraud on those who have had their Aadhaar-linked data manipulated and unauthorized access granted. The use of biometric data in financial systems raises more questions about the security and integrity of the nation's digital payment systems in addition to endangering individual financial stability. 

Government strategies to counter digital threats

• The Indian Union Government has sent a warning to the country's largest social media platforms, highlighting the importance of exercising caution when spotting and responding to deepfake and false material. The advice directs intermediaries to delete reported information within 36 hours, disable access in compliance with IT Rules 2021, and act quickly against content that violates laws and regulations. The government's dedication to ensuring the safety of digital citizens was underscored by Union Minister Rajeev Chandrasekhar, who also stressed the gravity of deepfake crimes, which disproportionately impact women. 
• The government has recently come up with an advisory to social media intermediaries to identify misinformation and deepfakes and to make sure of the compliance of Information Technology (IT) Rules 2021. It is the legal obligation of online platforms to prevent the spread of misinformation and exercise due diligence or reasonable efforts to identify misinformation and deepfakes.
• The Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Amendment Rules 2021 were amended in 2023. The online gaming industry is required to abide by a set of rules. These include not hosting harmful or unverified online games, not promoting games without approval from the SRB, labelling real-money games with a verification mark, educating users about deposit and winning policies, setting up a quick and effective grievance redressal process, requesting user information, and forbidding the offering of credit or financing for real-money gaming. These steps are intended to guarantee ethical and open behaviour throughout the online gaming industry.
• With an emphasis on Personal Data Protection, the government enacted the Digital Personal Data Protection Act, 2023. It is a brand-new framework for digital personal data protection which aims to protect the individual's digital personal data. 
• The " Cyber Swachhta Kendra " (Botnet Cleaning and Malware Analysis Centre) is a part of the Government of India's Digital India initiative under the (MeitY) to create a secure cyberspace. It uses malware research and botnet identification to tackle cybersecurity. It works with antivirus software providers and internet service providers to establish a safer digital environment.

Strategies by Social Media Platforms 

Various social media platforms like YouTube, and Meta have reformed their policies on misinformation and disinformation. This shows their comprehensive strategy for combating deepfake, misinformation/disinformation content on the network. The platform YouTube prioritizes eliminating content that transgresses its regulations, decreasing the amount of questionable information that is recommended, endorsing reliable news sources, and assisting reputable authors. YouTube uses unambiguous facts and expert consensus to thwart misrepresentation. In order to quickly delete information that violates policies, a mix of content reviewers and machine learning is used throughout the enforcement process. Policies are designed in partnership with external experts and producers. In order to improve the overall quality of information that users have access to, the platform also gives users the ability to flag material, places a strong emphasis on media literacy, and gives precedence to giving context.

Meta’s policies address different misinformation categories, aiming for a balance between expression, safety, and authenticity. Content directly contributing to imminent harm or political interference is removed, with partnerships with experts for assessment. To counter misinformation, the efforts include fact-checking partnerships, directing users to authoritative sources, and promoting media literacy. 

Promoting ‘Tech for Good’

By 2024,  the vision for "Tech for Good" will have expanded to include programs that enable people to understand the ever-complex digital world and promote a more secure and reliable online community. The emphasis is on using technology to strengthen cybersecurity defenses and combat dishonest practices. This entails encouraging digital literacy and providing users with the knowledge and skills to recognize and stop false information, online dangers, and cybercrimes. Furthermore, the focus is on promoting and exposing effective strategies for preventing cybercrime through cooperation between citizens, government agencies, and technology businesses. The intention is to employ technology's good aspects to build a digital environment that values security, honesty, and moral behaviour while also promoting innovation and connectedness. 

Conclusion 

In the evolving digital landscape, difficulties are presented by false information powered by artificial intelligence and the misuse of advanced technology by bad actors. Notably, there are ongoing collaborative efforts and progress in creating a secure digital environment. Governments, social media corporations, civil societies and tech companies have shown a united commitment to tackling the intricacies of the digital world in 2024 through their own projects. It is evident that everyone has a shared obligation to establish a safe online environment with the adoption of ethical norms, protective laws, and cybersecurity measures. The "Tech for Good" goal for 2024, which emphasizes digital literacy, collaboration, and the ethical use of technology, seems promising. The cooperative efforts of people, governments, civil societies and tech firms will play a crucial role as we continue to improve our policies, practices, and technical solutions.

References:

• https://news.abplive.com/fact-check/deepfakes-ai-driven-misinformation-year-2023-brought-new-era-of-digital-deception-abpp-1651243
• https://pib.gov.in/PressReleaseIframePage.aspx?PRID=1975445