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Introduction:

A new Android malware called NGate is capable of stealing money from payment cards through relaying the data read by the Near Field Communication (“NFС”) chip to the attacker’s device. NFC  is a device which allows  devices such as smartphones to communicate over a short distance wirelessly.  In particular, NGate allows forging the victims’ cards and, therefore, performing fraudulent purchases or withdrawing money from ATMs. . 

 About NGate Malware: 

The whole purpose of NGate malware is to target victims’ payment cards by relaying the NFC data to the attacker’s device. The malware is designed to take advantage of phishing tactics and functionality of the NFC on android based devices. 

Modus Operandi: 

• Phishing Campaigns: The first step is spoofed emails or SMS used to lure the users into installing the  Progressive Web Apps (“PWAs”) or the WebAPKs presented as genuine banking applications. These apps usually have a layout and logo that makes them look like an authentic app of a Targeted Bank which makes them believable. 

• Installation of NGate: When the victim downloads the specific app, he or she is required to input personal details including account numbers and PIN numbers. Users are also advised to turn on or install  NFC on their gadgets and place the payment cards to the back part of the phone to scan the cards. 

• NFCGate Component: One of the main working features of the NGate is the NFCGate, an application created and designed by some students of Technical University of Darmstadt. This tool allows the malware to:
  • • Collect NFC traffic from payment cards in the vicinity. 
    • Transmit, or relay this data to the attacker’s device through a server. 
    • Repeat data that has been previously intercepted or otherwise copied.

It is important to note that some aspects of NFCGate mandate a rooted device; however, forwarding NFC traffic can occur with devices that are not rooted, and therefore can potentially ensnare more victims. ‍

Technical Mechanism of Data Theft:

• Data Capture: The malware exploits the NFC communication feature on android devices and reads the information from the payment card, if the card is near the infected device. It is able to intercept and capture the sensive card details.  

• Data Relay: The stolen information  is transmitted through a server to the attacker’s device so that he/she is in a position to mimic the victim’s card. 

• Unauthorized Transactions: Attackers get access to spend money on the merchants or withdraw money from the ATM that has NFC enabled. This capability marks a new level of Android malware in that the hackers are able to directly steal money without having to get hold of the card. 

Social Engineering Tactics: 

In most cases, attackers use social engineering techniques to obtain more information from the target before implementing the attack. In the second phase, attackers may pretend to be representatives of a bank that there is a problem with the account and offer to download a program called NGate, which in fact is a Trojan under the guise of an application for confirming the security of the account. This method makes it possible for the attackers to get ITPIN code from the sides of the victim, which enables them to withdraw money from the targeted person’s account without authorization. 

 Technical Analysis:

The analysis of malicious file hashes and phishing links are below:

Malicious File Hashes:

csob_smart_klic.apk:

• MD5: 7225ED2CBA9CB6C038D8
• Classification: Android/Spy.NGate.B

csob_smart_klic.apk:

• MD5: 66DE1E0A2E9A421DD16B
• Classification: Android/Spy.NGate.C

george_klic.apk:

• MD5: DA84BC78FF2117DDBFDC
• Classification: Android/Spy.NGate.C

george_klic-0304.apk:

• MD5: E7AE59CD44204461EDBD
• Classification: Android/Spy.NGate.C

rb_klic.apk:

• MD5: 103D78A180EB973B9FFC
• Classification: Android/Spy.NGate.A

rb_klic.apk:

• MD5: 11BE9715BE9B41B1C852
• Classification: Android/Spy.NGate.C.

Phishing URLs:

Phishing URL: 

• https://client.nfcpay.workers[.]dev/?key=8e9a1c7b0d4e8f2c5d3f6b2

Additionally, several distinct phishing websites have been identified, including:

• rb.2f1c0b7d.tbc-app[.]life
• geo-4bfa49b2.tbc-app[.]life
• rb-62d3a.tbc-app[.]life
• csob-93ef49e7a.tbc-app[.]life
• george.tbc-app[.]life.

Analysis:

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Broader Implications of NGate: 

The ultramodern features of NGate mean that its manifestation is not limited to financial swindling. An attacker can also generate a copy of NFC access cards and get  full access when hacking into restricted areas, for example, the corporate offices or restricted facility. Moreover, it is also safe to use the capacity to capture and analyze NFC traffic as threats to identity theft and other forms of cyber-criminality. 

Precautionary measures to be taken:

To protect against NGate and similar threats, users should consider the following strategies:

• Disable NFC: As mentioned above, NFC should be not often used, it is safe to turn NFC on Android devices off. This perhaps can be done from the general control of the device in which the bursting modes are being set. 

• Scrutinize App Permissions: Be careful concerning the permission that applies to the apps that are installed particularly the ones allowed to access the device. Hence, it is very important that applications should be downloaded only from genuine stores like Google Play Store only. 

• Use Security Software: The malware threat can be prevented by installing relevant security applications that are available in the market. 

• Stay Informed: As it has been highlighted, it is crucial for a person to know risks that are associated with the use of NFC while attempting to safeguard an individual’s identity. 

Conclusion: 

The presence of malware such as NGate is proof of the dynamism of threats in the context of mobile payments. Through the utilization of NFC function, NGate is a marked step up of Android malware implying that the attackers can directly manipulate the cash related data of the victims regardless of the physical aspect of the payment card. This underscores the need to be careful when downloading applications and to be keen on the permission one grants on the application. Turn NFC when not in use, use good security software and be aware of  the latest scams are some of the measures that help to fight this high level of financial fraud. The  attackers are now improving their methods. It is only right for the people and companies to take the right steps in avoiding the breach of privacy and identity theft.

Reference:

• https://www.welivesecurity.com/en/eset-research/ngate-android-malware-relays-nfc-traffic-to-steal-cash/
• https://therecord.media/android-malware-atm-stealing-czech-banks
• https://www.darkreading.com/mobile-security/nfc-traffic-stealer-targets-android-users-and-their-banking-info
• https://cybersecuritynews.com/new-ngate-android-malware/

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Introduction

The spread of misinformation online has become a significant concern, with far-reaching social, political, economic and personal implications. The degree of vulnerability to misinformation differs from person to person, dependent on psychological elements such as personality traits, familial background and digital literacy combined with contextual factors like information source, repetition, emotional content and topic. How to reduce misinformation susceptibility in real-world environments where misinformation is regularly consumed on social media remains an open question. Inoculation theory has been proposed as a way to reduce susceptibility to misinformation by informing people about how they might be misinformed. Psychological inoculation campaigns on social media are effective at improving misinformation resilience at scale.

Prebunking has gained prominence as a means to preemptively build resilience against anticipated exposure to misinformation. This approach, grounded in Inoculation Theory, allows people to analyse and avoid manipulation without prior knowledge of specific misleading content by helping them build generalised resilience. We may draw a parallel here with broad spectrum antibiotics that can be used to fight infections and protect the body against symptoms before one is able to identify the particular pathogen at play.

Inoculation Theory and Prebunking

Inoculation theory is a promising approach to combat misinformation in the digital age. It involves exposing individuals to weakened forms of misinformation before encountering the actual false information. This helps develop resistance and critical thinking skills to identify and counter deceptive content. 

Inoculation theory has been established as a robust framework for countering unwanted persuasion and can be applied within the modern context of online misinformation:

1. Preemptive Inoculation:  Preemptive inoculation entails exposing people to weaker kinds of misinformation before they encounter genuine erroneous information. Individuals can build resistance and critical thinking abilities by being exposed to typical misinformation methods and strategies.
2. Technique/logic based Inoculation: Individuals can educate themselves about typical manipulative strategies used in online misinformation, which could be emotionally manipulative language, conspiratorial reasoning, trolling and logical fallacies. Learning to recognise these tactics as indicators of misinformation is an important first step to being able to recognise and reject the same. Through logical reasoning, individuals can recognize such tactics for what they are: attempts to distort the facts or spread misleading information. Individuals who are equipped with the capacity to discern weak arguments and misleading methods may properly evaluate the reliability and validity of information they encounter on the Internet.
3. Educational Campaigns: Educational initiatives that increase awareness about misinformation, its consequences, and the tactics used to manipulate information can be useful inoculation tools. These programmes equip individuals with the knowledge and resources they need to distinguish between reputable and fraudulent sources, allowing them to navigate the online information landscape more successfully.
4. Interactive Games and Simulations: Online games and simulations, such as ‘Bad News,’ have been created as interactive aids to protect people from misinformation methods. These games immerse users in a virtual world where they may learn about the creation and spread of misinformation, increasing their awareness and critical thinking abilities.
5. Joint Efforts: Combining inoculation tactics with other anti-misinformation initiatives, such as accuracy primes, building resilience on social media platforms, and media literacy programmes, can improve the overall efficacy of our attempts to combat misinformation. Expert organisations and people can build a stronger defence against the spread of misleading information by using many actions at the same time.

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CyberPeace Policy Recommendations for Tech/Social Media Platforms

Implementation of the Inoculation Theory on social media platforms can be seen as an effective strategy point for building resilience among users and combating misinformation. Tech/social media platforms can develop interactive and engaging content in the form of educational prebunking videos, short animations, infographics, tip sheets, and misinformation simulations. These techniques can be deployed through online games, collaborations with influencers and trusted sources that help design and deploy targeted campaigns whilst also educating netizens about the usefulness of Inoculation Theory so that they can practice critical thinking. 

The approach will inspire self-monitoring amongst netizens so that people consume information mindfully. It is a powerful tool in the battle against misinformation because it not only seeks to prevent harm before it occurs, but also actively empowers the target audience. In other words, Inoculation Theory helps build people up, and takes them on a journey of transformation from ‘potential victim’ to ‘warrior’ in the battle against misinformation. Through awareness-building, this approach makes people more aware of their own vulnerabilities and attempts to exploit them so that they can be on the lookout while they read, watch, share and believe the content they receive online.

Widespread adoption of Inoculation Theory may well inspire systemic and technological change that goes beyond individual empowerment: these interventions on social media platforms can be utilized to advance digital tools and algorithms so that such interventions and their impact are amplified. Additionally, social media platforms can explore personalized inoculation strategies, and customized inoculation approaches for different audiences so as to be able to better serve more people. One such elegant solution for social media platforms can be to develop a dedicated prebunking strategy that identifies and targets specific themes and topics that could be potential vectors for misinformation and disinformation. This will come in handy, especially during sensitive and special times such as the ongoing elections where tools and strategies for ‘Election Prebunks’ could be transformational.

Conclusion

Applying Inoculation Theory in the modern context of misinformation can be an effective method of establishing resilience against misinformation, help in developing critical thinking and empower individuals to discern fact from fiction in the digital information landscape. The need of the hour is to prioritize extensive awareness campaigns that encourage critical thinking, educate people about manipulation tactics, and pre-emptively counter false narratives associated with information. Inoculation strategies can help people to build mental amour or mental defenses against malicious content and malintent that they may encounter in the future by learning about it in advance. As they say, forewarned is forearmed. 

References

• https://www.science.org/doi/10.1126/sciadv.abo6254
• https://stratcomcoe.org/publications/download/Inoculation-theory-and-Misinformation-FINAL-digital-ISBN-ebbe8.pdf

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Introduction

In September 2024, the Australian government announced the  Communications Legislation Amendment (Combatting Misinformation and Disinformation) Bill 2024 ( CLA Bill 2024 hereon), to provide new powers to the Australian Communications and Media Authority (ACMA), the statutory regulatory body for Australia's communications and media infrastructure, to combat online misinformation and disinformation. It proposed allowing the ACMA to hold digital platforms accountable for the “seriously harmful mis- and disinformation” being spread on their platforms and their response to it, while also balancing freedom of expression. However, the Bill was subsequently withdrawn, primarily over concerns regarding the possibility of censorship by the government. This development is reflective of the global contention on the balance between misinformation regulation and freedom of speech. 

Background and Key Features of the Bill

According to the BBC’s Global Minds Survey of 2023, nearly 73% of Australians struggled to identify fake news and AI-generated misinformation. There has been a substantial rise in misinformation on platforms like Facebook, Twitter, and TikTok since the COVID-19 pandemic, especially during major events like the bushfires of 2020 and the 2022 federal elections. The government’s campaign against misinformation was launched against this background, with the launch of The Australian Code of Practice on Disinformation and Misinformation in 2021. The main provisions of the CLA Bill, 2024 were: 

1. Core Transparency Obligations of Digital Media Platforms: Publishing current media literacy plans,  risk assessment reports, and policies or information on their approach to addressing mis- and disinformation. The ACMA would also be allowed to make additional rules regarding complaints and dispute-handling processes.
2. Information Gathering and Record-Keeping Powers: The ACMA would form rules allowing it to gather consistent information across platforms and publish it. However, it would not have been empowered to gather and publish user information except in limited circumstances.
3. Approving Codes and Making Standards: The ACMA would have powers to approve codes developed by the industry and make standards regarding reporting tools, links to authoritative information, support for fact-checking, and demonetisation of disinformation. This would make compliance mandatory for relevant sections of the industry. 
4. Parliamentary Oversight: The transparency obligations, codes approved and standards set by ACMA under the Bill would be subject to parliamentary scrutiny and disallowance. ACMA would be required to report to the Parliament annually. 
5. Freedom of Speech Protections: End-users would not be required to produce information for ACMA unless they are a person providing services to the platform, such as its employees or fact-checkers. Further,  it would not be allowed to call for removing content from platforms unless it involved inauthentic behavior such as bots. 
6. Penalties for Non-Compliance: ACMA would be required to employ a “graduated, proportionate and risk-based approach” to non-compliance and enforcement in the form of formal warnings, remedial directions, injunctions, or significant civil penalties as decided by the courts, subject to review by the Administrative Review Tribunal (ART). No criminal penalties would be imposed.

Key Concerns

• Inadequacy of Freedom of Speech Protections: The biggest contention on this Bill has been regarding the issue of possible censorship, particularly of alternative opinions that are crucial to the health of a democratic system. To protect the freedom of speech, the Bill defined mis- and disinformation, what constitutes “serious harm” (election interference, harming public health, etc.), and what would be excluded from its scope. However, reservations among the Opposition persisted due to the lack of a clear mechanism to protect divergent opinions from the purview of this Bill. 
• Efficacy of Regulatory Measures: Many argue that by allowing the digital platform industry to make its codes, this law lets it self-police. Big Tech companies have no incentive to curb misinformation effectively since their business models allow them to reap financial benefits from the rampant spread of misinformation. Unless there are financial non- or dis- incentives to curb misinformation, Big Tech is not likely to address the situation at war footing.  Thus, this law would run the risk of being toothless. Secondly, the Bill did not require platforms to report on the “prevalence of” false content which, along with other metrics,  is crucial for researchers and legislators to track the efficacy of the current misinformation-curbing practices employed by platforms.  
• Threat of Government Overreach:  The Bill sought to expand the ACMA’s compliance and enforcement powers concerning misinformation and disinformation on online communication platforms by giving it powers to form rules on information gathering, code registration, standard-making powers, and core transparency obligations. However, even though the ACMA as a regulatory authority is answerable to the Parliament, the Bill was unclear in defining limits to these powers. This raised concerns from civil society about potential government overreach in a domain filled with contextual ambiguities regarding information.

Conclusion

While the Communications Legislation Amendment (Combatting Misinformation and Disinformation) Bill sought to equip the ACMA with tools to hold digital platforms accountable and mitigate the harm caused by false information, its critique highlights the complexities of regulating such content without infringing on freedom of speech. Legislations and proposals regarding the matter all over the world are having to contend with this challenge. Globally, legislation and proposals addressing this issue face similar challenges, emphasizing the need for a continuous discourse at the intersection of platform accountability, regulatory restraint, and the protection of diverse viewpoints.

To regulate Big Tech effectively, governments can benefit from adopting a consultative, incremental, and cooperative approach, as exemplified by the European Union’s Digital Services Act 2023. Such a framework provides for a balanced response, fostering accountability while safeguarding democratic freedoms.

Resources

• https://www.infrastructure.gov.au/sites/default/files/documents/factsheet-misinformation-disinformation-bill.pdf 
• https://www.infrastructure.gov.au/have-your-say/new-acma-powers-combat-misinformation-and-disinformation 
• https://www.mi-3.com.au/07-02-2024/over-80-australians-feel-they-may-have-fallen-fake-news-says-bbc 
• https://www.hrlc.org.au/news/misinformation-inquiry 
• https://humanrights.gov.au/our-work/legal/submission/combatting-misinformation-and-disinformation-bill-2024 
• https://www.sbs.com.au/news/article/what-is-the-misinformation-bill-and-why-has-it-triggered-worries-about-freedom-of-speech/4n3ijebde 
• https://www.hrw.org/report/2023/06/14/no-internet-means-no-work-no-pay-no-food/internet-shutdowns-deny-access-basic#:~:text=The%20Telegraph%20Act%20allows%20authorities,preventing%20incitement%20to%20the%20commission 
• https://www.hrlc.org.au/submissions/2024/11/8/submission-combatting-misinformation?utm_medium=email&utm_campaign=Media%20Release%20Senate%20Committee%20to%20hear%20evidence%20calling%20for%20Albanese%20Government%20to%20regulate%20and%20hold%20big%20tech%20accountable%20for%20misinformation&utm_content=Media%20Release%20Senate%20Committee%20to%20hear%20evidence%20calling%20for%20Albanese%20Government%20to%20regulate%20and%20hold%20big%20tech%20accountable%20for%20misinformation+Preview+CID_31c6d7200ed9bd2f7f6f596ba2a8b1fb&utm_source=Email%20campaign&utm_term=Read%20the%20Human%20Rights%20Law%20Centres%20submission%20to%20the%20inquiry

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