Apple Bans 6 Apps from App Store India
Introduction
According to a shocking report, there are multiple scam loan apps on the App Store in India that charge excessive interest rates and force users to pay by blackmailing and harassing them. Apple has prohibited and removed these apps from the App Store, but they may still be installed on your iPhone and running. You must delete any of these apps if you have downloaded them. Learn the names of these apps and how they operated the fraud.
Why Apple banned these apps?
- Apple has taken action to remove certain apps from the Indian App Store. These apps were engaging in unethical behaviour, such as impersonating financial institutions, demanding high fees, and threatening borrowers. Here are the titles of these apps, as well as what Apple has said about their suspension.
- Following user concerns, Apple removed six loan apps from the Indian App Store. Loan apps include White Kash, Pocket Kash, Golden Kash, Ok Rupee, and others.
- According to multiple user reviews, certain apps seek unjustified access to users’ contact lists and media. These apps also charge exorbitant fees that are not necessitated. Furthermore, companies have been found to engage in unethical tactics such as charging high-interest rates and “processing fees” equal to half the loan amount.
- Some lending app users have reported being harassed and threatened for failing to return their loans on time. In some circumstances, the apps threatened the user’s contacts if payment was not completed by the deadline. According to one user, the app company threatened to produce and send false photographs of her to her contacts.
- These loan apps were removed from the App Store, according to Apple, because they broke the norms and standards of the Apple Developer Program License Agreement. These apps were discovered to be falsely claiming financial institution connections.
Issue of Fake loan apps on the App Store
- The App Store and our App Review Guidelines are designed to ensure we provide our users with the safest experience possible,” Apple explained. “We do not tolerate fraudulent activity on the App Store and have strict rules against apps and developers who attempt to game the system.
- In 2022, Apple blocked nearly $2 billion in fraudulent App Store sales. Furthermore, it rejected nearly 1.7 million software submissions that did not match Apple’s quality and safety criteria and cancelled 428,000 developer accounts due to suspected fraudulent activities.
- The scammers also used heinous tactics to force the loanees to pay. According to reports, the scammers behind the apps gained access to the user’s contact list as well as their images. They would morph the images and then scare the individual by sharing their fake nude photos with their whole contact list.
Dangerous financial fraud apps have surfaced on the App Store
- TechCrunch acquired a user review from one of these apps. “I borrowed an amount in a helpless situation, and a day before the repayment due date, I got some messages with my picture and my contacts in my phone saying that repay your loan or they will inform our contacts that you are not paying the loan,” it said.
- Sandhya Ramesh, a journalist from The Print, recently tweeted a screenshot of a direct message she got. A victim’s friend told a similar story in the message.
- TechCrunch contacted Apple, who confirmed that the apps had been removed from the App Store for breaking the Apple Developer Program License Agreement and guidelines.
Conclusion
Recently, some users have claimed that some quick-loan applications, such as White Kash, Pocket Kash, and Golden Kash, have appeared on the Top Finance applications chart in recent days. These apps necessitate unauthorised and intrusive access to users’ contact lists and media. According to hundreds of user evaluations, these apps charged exorbitantly high and useless fees. They used unscrupulous techniques such as demanding “processing fees” equal to half the loan amount and charging high-interest rates. Users were also harassed and threatened with restitution. If payments were not made by the due date, the lending applications threatened to notify users’ contacts. According to one user, the app provider even threatened to generate phoney nude images of her and send them to her contacts.
Related Blogs
Introduction
The Ministry of Communications, Department of Telecommunications notified the Telecommunications (Telecom Cyber Security) Rules, 2024 on 22nd November 2024. These rules were notified to overcome the vulnerabilities that rapid technological advancements pose. The evolving nature of cyber threats has contributed to strengthening and enhancing telecom cyber security. These rules empower the central government to seek traffic data and any other data (other than the content of messages) from service providers.
Background Context
The Telecommunications Act of 2023 was passed by Parliament in December, receiving the President's assent and being published in the official Gazette on December 24, 2023. The act is divided into 11 chapters 62 sections and 3 schedules. The said act has repealed the old legislation viz. Indian Telegraph Act of 1885 and the Indian Wireless Telegraphy Act of 1933. The government has enforced the act in phases. Sections 1, 2, 10-30, 42-44, 46, 47, 50-58, 61, and 62 came into force on June 26, 2024. While, sections 6-8, 48, and 59(b) were notified to be effective from July 05, 2024.
These rules have been notified under the powers granted by Section 22(1) and Section 56(2)(v) of the Telecommunications Act, 2023.
Key Provisions of the Rules
These rules collectively aim to reinforce telecom cyber security and ensure the reliability of telecommunication networks and services. They are as follows:
The Central Government agency authorized by it may request traffic or other data from a telecommunication entity through the Central Government portal to safeguard and ensure telecom cyber security. In addition, the Central Govt. can instruct telecommunication entities to establish the necessary infrastructure and equipment for data collection, processing, and storage from designated points.
● Obligations Relating To Telecom Cybersecurity:
Telecom entities must adhere to various obligations to prevent cyber security risks. Telecommunication cyber security must not be endangered, and no one is allowed to send messages that could harm it. Misuse of telecommunication equipment such as identifiers, networks, or services is prohibited. Telecommunication entities are also required to comply with directions and standards issued by the Central Govt. and furnish detailed reports of actions taken on the government portal.
● Compulsory Measures To Be Taken By Every Telecommunication Entity:
Telecom entities must adopt and notify the Central Govt. of a telecom cyber security policy to enhance cybersecurity. They have to identify and mitigate risks of security incidents, ensure timely responses, and take appropriate measures to address such incidents and minimize their impact. Periodic telecom cyber security audits must be conducted to assess network resilience against potential threats for telecom entities. They must report security incidents promptly to the Central Govt. and establish facilities like a Security Operations Centre.
● Reporting of Security Incidents:
- Telecommunication entities must report the detection of security incidents affecting their network or services within six hours.
- 24 hours are provided for submitting detailed information about the incident, including the number of affected users, the duration, geographical scope, the impact on services, and the remedial measures implemented.
The Central Govt. may require the affected entity to provide further information, such as its cyber security policy, or conduct a security audit.
CyberPeace Policy Analysis
The notified rules reflect critical updates from their draft version, including the obligation to report incidents immediately upon awareness. This ensures greater privacy for consumers while still enabling robust cybersecurity oversight. Importantly, individuals whose telecom identifiers are suspended or disconnected due to security concerns must be given a copy of the order and a chance to appeal, ensuring procedural fairness. The notified rules have removed "traffic data" and "message content" definitions that may lead to operational ambiguities. While the rules establish a solid foundation for protecting telecom networks, they pose significant compliance challenges, particularly for smaller operators who may struggle with costs associated with audits, infrastructure, and reporting requirements.
Conclusion
The Telecom Cyber Security Rules, 2024 represent a comprehensive approach to securing India’s communication networks against cyber threats. Mandating robust cybersecurity policies, rapid incident reporting, and procedural safeguards allows the rules to balance national security with privacy and fairness. However, addressing implementation challenges through stakeholder collaboration and detailed guidelines will be key to ensuring compliance without overburdening telecom operators. With adaptive execution, these rules have the potential to enhance the resilience of India’s telecom sector and also position the country as a global leader in digital security standards.
References
● Telecommunications Act, 2023 https://acrobat.adobe.com/id/urn:aaid:sc:AP:767484b8-4d05-40b3-9c3d-30c5642c3bac
● CyberPeace First Read of the Telecommunications Act, 2023 https://www.cyberpeace.org/resources/blogs/the-government-enforces-key-sections-of-the-telecommunication-act-2023
● Telecommunications (Telecom Cyber Security) Rules, 2024
.webp)
Introduction
The rise of unreliable social media newsgroups on online platforms has significantly altered the way people consume and interact with news, contributing to the spread of misinformation and leading to sources of unverified and misleading content. Unlike traditional news outlets that adhere to journalistic standards, these newsgroups often lack proper fact-checking and editorial oversight, leading to the rapid dissemination of false or distorted information. Social media transformed individuals into active content creators. Social media newsgroups (SMNs) are social media platforms used as sources of news and information. According to a survey by the Pew Research Center (July-August 2024), 54% of U.S. adults now rely on social media for news. This rise in SMNs has raised concerns over the integrity of online news and undermines trust in legitimate news sources. Social media users are advised to consume information and news from authentic sources or channels available on social media platforms.
The Growing Issue of Misinformation in Social Media Newsgroups
Social media newsgroups have become both a source of vital information and a conduit for misinformation. While these platforms allow rapid news sharing and facilitate political and social campaigns, they also pose significant risks of unverified information. Misleading information, often driven by algorithms designed to maximise user engagement, proliferates in these spaces. This has led to increasing challenges, as SMNs cater to diverse communities with varying political affiliations, gender demographics, and interests. This sometimes results in the creation of echo chambers where information is not critically assessed, amplifying the confirmation bias and enabling the unchecked spread of misinformation. A prominent example is the false narratives surrounding COVID-19 vaccines that spread across SMNs, contributing to widespread vaccine hesitancy and public health risks.
Understanding the Susceptibility of Online Newsgroups to Misinformation
Several factors make social media newsgroups particularly susceptible to misinformation. Some of the factors are listed below:
- The lack of robust fact-checking mechanisms in social media news groups can lead to false narratives which can spread easily.
- The lack of expertise from admins of online newsgroups, who are often regular users without journalism knowledge, can result in the spreading of inaccurate information. Their primary goal of increasing engagement may overshadow concerns about accuracy and credibility.
- The anonymity of users exacerbates the problem of misinformation. It allows users to share unverified or misleading content without accountability.
- The viral nature of social media also leads to the vast spread of misinformation to audiences instantly, often outpacing efforts to correct it.
- Unlike traditional media outlets, online newsgroups often lack formal fact-checking processes. This absence allows misinformation to circulate without verification, making it easier for inaccuracies to go unchallenged.
- The sheer volume of user engagement in the form of posts has created the struggle to moderate content effectively imposing significant challenges.
- Social Media Platforms have algorithms designed to enhance user engagement and inadvertently amplify sensational or emotionally charged content, which is more likely to be false.
Consequences of Misinformation in Newsgroups
The societal impacts of misinformation in SMNs are profound. Political polarisation can fuel one-sided views and create deep divides in democratic societies. Health risks emerge when false information spreads about critical issues, such as the anti-vaccine movements or misinformation related to public health crises. Misinformation has dire long-term implications and has the potential to destabilise governments and erode trust in media, in both traditional and social media leading to undermining democracy. If unaddressed, the consequences could continue to ripple through society, perpetuating false narratives that shape public opinion.
Steps to Mitigate Misinformation in Social Media Newsgroups
- Educating users in social media literacy education can empower critical assessment of the information encountered, reducing the spread of false narratives.
- Introducing stricter platform policies, including penalties for deliberately sharing misinformation, may act as a deterrent against sharing unverified information.
- Collaborative fact-checking initiatives with involvement from social media platforms, independent journalists, and expert organisations can provide a unified front against the spread of false information.
- From a policy perspective, a holistic approach that combines platform responsibility with user education and governmental and industry oversight is essential to curbing the spread of misinformation in social media newsgroups.
Conclusion
The emergence of Social media newsgroups has revolutionised the dissemination of information. This rapid spread of misinformation poses a significant challenge to the integrity of news in the digital age. It gets further amplified by algorithmic echo chambers unchecked user engagement and profound societal implications. A multi-faceted approach is required to tackle these issues, combining stringent platform policies, AI-driven moderation, and collaborative fact-checking initiatives. User empowerment concerning media literacy is an important factor in promoting critical thinking and building cognitive defences. By adopting these measures, we can better navigate the complexities of consuming news from social media newsgroups and preserve the reliability of online information. Furthermore, users need to consume news from authoritative sources available on social media platforms.
References
Introduction
A disturbing trend of courier-related cyber scams has emerged, targeting unsuspecting individuals across India. In these scams, fraudsters pose as officials from reputable organisations, such as courier companies or government departments like the narcotics bureau. Using sophisticated social engineering tactics, they deceive victims into divulging personal information and transferring money under false pretences. Recently, a woman IT professional from Mumbai fell victim to such a scam, losing Rs 1.97 lakh.
Instances of courier-related cyber scams
Recently, two significant cases of courier-related cyber scams have surfaced, illustrating the alarming prevalence of such fraudulent activities.
- Case in Delhi: A doctor in Delhi fell victim to an online scam, resulting in a staggering loss of approximately Rs 4.47 crore. The scam involved fraudsters posing as representatives of a courier company. They informed the doctor about a seized package and requested substantial money for verification purposes. Tragically, the doctor trusted the callers and lost substantial money.
- Case in Mumbai: In a strikingly similar incident, an IT professional from Mumbai, Maharashtra, lost Rs 1.97 lakh to cyber fraudsters pretending to be officials from the narcotics department. The fraudsters contacted the victim, claiming her Aadhaar number was linked to the criminals’ bank accounts. They coerced the victim into transferring money for verification through deceptive tactics and false evidence, resulting in a significant financial loss.
These recent cases highlight the growing threat of courier-related cyber scams and the devastating impact they can have on unsuspecting individuals. It emphasises the urgent need for increased awareness, vigilance, and preventive measures to protect oneself from falling victim to such fraudulent schemes.
Nature of the Attack
The cyber scam typically begins with a fraudulent call from someone claiming to be associated with a courier company. They inform the victim that their package is stuck or has been seized, escalating the situation by involving law enforcement agencies, such as the narcotics department. The fraudsters manipulate victims by creating a sense of urgency and fear, convincing them to download communication apps like Skype to establish credibility. Fabricated evidence and false claims trick victims into sharing personal information, including Aadhaar numbers, and coercing them to make financial transactions for verification purposes.
Best Practices to Stay Safe
To protect oneself from courier-related cyber scams and similar frauds, individuals should follow these best practices:
- Verify Calls and Identity: Be cautious when receiving calls from unknown numbers. Verify the caller’s identity by cross-checking with relevant authorities or organisations before sharing personal information.
- Exercise Caution with Personal Information: Avoid sharing sensitive personal information, such as Aadhaar numbers, bank account details, or passwords, over the phone or through messaging apps unless necessary and with trusted sources.
- Beware of Urgency and Threats: Scammers often create a sense of urgency or threaten legal consequences to manipulate victims. Remain vigilant and question any unexpected demands for money or personal information.
- Double-Check Suspicious Claims: If contacted by someone claiming to be from a government department or law enforcement agency, independently verify their credentials by contacting the official helpline or visiting the department’s official website.
- Educate and Spread Awareness: Share information about these scams with friends, family, and colleagues to raise awareness and collectively prevent others from falling victim to such frauds.
Legal Remedies
In case of falling victim to a courier-related cyber scam, individuals can sort to take the following legal actions:
- File a First Information Report (FIR): In case of falling victim to a courier-related cyber scam or any similar online fraud, individuals have legal options available to seek justice and potentially recover their losses. One of the primary legal actions that can be taken is to file a First Information Report (FIR) with the local police. The following sections of Indian law may be applicable in such cases:
- Section 419 of the Indian Penal Code (IPC): This section deals with the offence of cheating by impersonation. It states that whoever cheats by impersonating another person shall be punished with imprisonment of either description for a term which may extend to three years, or with a fine, or both.
- Section 420 of the IPC: This section covers the offence of cheating and dishonestly inducing delivery of property. It states that whoever cheats and thereby dishonestly induces the person deceived to deliver any property shall be punished with imprisonment of either description for a term which may extend to seven years and shall also be liable to pay a fine.
- Section 66(C) of the Information Technology (IT) Act, 2000: This section deals with the offence of identity theft. It states that whoever, fraudulently or dishonestly, makes use of the electronic signature, password, or any other unique identification feature of any other person shall be punished with imprisonment of either description for a term which may extend to three years and shall also be liable to pay a fine.
- Section 66(D) of the IT Act, 2000 pertains to the offence of cheating by personation by using a computer resource. It states that whoever, by means of any communication device or computer resource, cheats by personating shall be punished with imprisonment of either description for a term which may extend to three years and shall also be liable to pay a fine.
- National Cyber Crime Reporting Portal- One powerful resource available to victims is the National Cyber Crime Reporting Portal, equipped with a 24×7 helpline number, 1930. This portal serves as a centralised platform for reporting cybercrimes, including financial fraud.
Conclusion:
The rise of courier-related cyber scams demands increased vigilance from individuals to protect themselves against fraud. Heightened awareness, caution, and scepticism when dealing with unknown callers or suspicious requests are crucial. By following best practices, such as verifying identities, avoiding sharing sensitive information, and staying updated on emerging scams, individuals can minimise the risk of falling victim to these fraudulent schemes. Furthermore, spreading awareness about such scams and promoting cybersecurity education will play a vital role in creating a safer digital environment for everyone.
