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The World Wide Web was created as a portal for communication, to connect people from far away, and while it started with electronic mail, mail moved to instant messaging, which let people have conversations and interact with each other from afar in real-time. But now, the new paradigm is the Internet of Things and how machines can communicate with one another. Now one can use a wearable gadget that can unlock the front door upon arrival at home and can message the air conditioner so that it switches on. This is IoT.

WHAT EXACTLY IS IoT?

The term ‘Internet of Things’ was coined in 1999 by Kevin Ashton, a computer scientist who put Radio Frequency Identification (RFID) chips on products in order to track them in the supply chain, while he worked at Proctor & Gamble (P&G). And after the launch of the iPhone in 2007, there were already more connected devices than people on the planet.

Fast forward to today and we live in a more connected world than ever. So much so that even our handheld devices and household appliances can now connect and communicate through a vast network that has been built so that data can be transferred and received between devices. There are currently more IoT devices than users in the world and according to the WEF’s report on State of the Connected World, by 2025 there will be more than 40 billion such devices that will record data so it can be analyzed.

IoT finds use in many parts of our lives. It has helped businesses streamline their operations, reduce costs, and improve productivity. IoT also helped during the Covid-19 pandemic, with devices that could help with contact tracing and wearables that could be used for health monitoring. All of these devices are able to gather, store and share data so that it can be analyzed. The information is gathered according to rules set by the people who build these systems.

APPLICATION OF IoT

IoT is used by both consumers and the industry.

Some of the widely used examples of CIoT (Consumer IoT) are wearables like health and fitness trackers, smart rings with near-field communication (NFC), and smartwatches. Smartwatches gather a lot of personal data. Smart clothing, with sensors on it, can monitor the wearer’s vital signs. There are even smart jewelry, which can monitor sleeping patterns and also stress levels.

With the advent of virtual and augmented reality, the gaming industry can now make the experience even more immersive and engrossing. Smart glasses and headsets are used, along with armbands fitted with sensors that can detect the movement of arms and replicate the movement in the game.

At home, there are smart TVs, security cameras, smart bulbs, home control devices, and other IoT-enabled ‘smart’ appliances like coffee makers, that can be turned on through an app, or at a particular time in the morning so that it acts as an alarm. There are also voice-command assistants like Alexa and Siri, and these work with software written by manufacturers that can understand simple instructions.

Industrial IoT (IIoT) mainly uses connected machines for the purposes of synchronization, efficiency, and cost-cutting. For example, smart factories gather and analyze data as the work is being done. Sensors are also used in agriculture to check soil moisture levels, and these then automatically run the irrigation system without the need for human intervention.

Statistics

• The IoT device market is poised to reach $1.4 trillion by 2027, according to Fortune Business Insight.
• The number of cellular IoT connections is expected to reach 3.5 billion by 2023. (Forbes)
• The amount of data generated by IoT devices is expected to reach 73.1 ZB (zettabytes) by 2025.
• 94% of retailers agree that the benefits of implementing IoT outweigh the risk.
• 55% of companies believe that 3^rd party IoT providers should have to comply with IoT security and privacy regulations.
• 53% of all users acknowledge that wearable devices will be vulnerable to data breaches, viruses,
• Companies could invest up to 15 trillion dollars in IoT by 2025 (Gigabit)

CONCERNS AND SOLUTIONS

• Two of the biggest concerns with IoT devices are the privacy of users and the devices being secure in order to prevent attacks by bad actors. This makes knowledge of how these things work absolutely imperative.
• It is worth noting that these devices all work with a central hub, like a smartphone. This means that it pairs with the smartphone through an app and acts as a gateway, which could compromise the smartphone as well if a hacker were to target that IoT device.
• With technology like smart television sets that have cameras and microphones, the major concern is that hackers could hack and take over the functioning of the television as these are not adequately secured by the manufacturer.
• A hacker could control the camera and cyberstalk the victim, and therefore it is very important to become familiar with the features of a device and ensure that it is well protected from any unauthorized usage. Even simple things, like keeping the camera covered when it is not being used.
• There is also the concern that since IoT devices gather and share data without human intervention, they could be transmitting data that the user does not want to share. This is true of health trackers. Users who wear heart and blood pressure monitors have their data sent to the insurance company, who may then decide to raise the premium on their life insurance based on the data they get.
• IoT devices often keep functioning as normal even if they have been compromised. Most devices do not log an attack or alert the user, and changes like higher power or bandwidth usage go unnoticed after the attack. It is therefore very important to make sure the device is properly protected.
• It is also important to keep the software of the device updated as vulnerabilities are found in the code and fixes are provided by the manufacturer. Some IoT devices, however, lack the capability to be patched and are therefore permanently ‘at risk’.

CONCLUSION

Humanity inhabits this world that is made up of all these nodes that talk to each other and get things done. Users can harmonize their devices so that everything runs like a tandem bike – completely in sync with all other parts. But while we make use of all the benefits, it is also very important that one understands what they are using, how it is functioning, and how one can tackle issues should they come up. This is also important to understand because once people get used to IoT, it will be that much more difficult to give up the comfort and ease that these systems provide, and therefore it would make more sense to be prepared for any eventuality. A lot of times, good and sensible usage alone can keep devices safe and services intact. But users should be aware of any issues because forewarned is forearmed.

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.

The recent Promotion and Regulation of Online Gaming Act, 2025, that came into force in August, has been one of the most widely anticipated regulations in the digital entertainment industry. Among provisions such as promoting esports and licensing of online gaming, the legislation notably introduces a blanket ban on real-money gaming (RMG). The rationale behind this was to reduce its addictive effects, protect minors, and limit the circulation of black-money. However, in reality, the Act has spawned apprehension about the legislative process, regulatory redundancy, and unintended consequences that can shift users and revenue to offshore operators.

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From Debate to Prohibition: How the Act was Passed 

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The Promotion and Regulation of Online Gaming Act was passed as a central law, providing the earlier fragmented state laws on online betting and gambling with an overarching framework. Proponents argue that, among other provisions, some kind of unified national framework was needed to deal with the scale of online betting due to its detrimental impact on young users. The current Act is a direct transition to criminalisation rather than the swings of self-regulation and partial restrictions used during the previous decade of incremental experiments in regulation. Stakeholders in the industry believe that this type of sudden, blanket action creates uncertainty and erodes confidence in the system in the long run. Further, critics have pointed out that the Bill was passed without adequate Parliamentary deliberation. A question has been raised about whether procedural safeguards were upheld. 

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Prohibition of Online RMG

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Within the Indian context, a distinction has long been drawn between games of skill and games of chance, with the latter, like a lottery or a casino, being severely prohibited under state laws, whereas the former, like rummy or fantasy sports, have generally been allowed after being recognized as skill-based by court authorities. The Online Gaming Act of 2025 abolishes this distinction on the internet, thus banning all RMG actions that include cash transactions, regardless of skill or chance. The act also criminalises the advertising, facilitation, and hosting of such sites, thereby penalizing offshore operators with an Indian customer focus, and subjecting their payment gateways, app stores, and advertisers under its jurisdiction to penalties. 

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The Problem of Overlap

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One potential issue that the Act presents is its overlap with the existing laws. The IT Rules 2023 mandate intermediaries in the gaming sector to appoint compliance officers, submit monthly reports, and undergo due diligence. The new Act introduces a three-level classification of games, whereas the advisories of the Central Consumer Protection Authority (CCPA) under the Consumer Protection Act treat online betting as an unfair trade practice. 

This multiplicity of regulations builds a maze where different Ministries and state governments have overlapping jurisdiction.  Policy experts caution that such an overlap can create enforcement challenges, punish players who act within the law, and leave offshore malefactors undetected.  

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Unintended Consequences: Driving Users Offshore

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Outright prohibition will hardly ever remove demand; it will only push it out. Offshore sites have taken advantage of the situation as Indian operators like Dream11 shut down their money games after the ban. It has already been reported that there is aggressive advertising by foreign betting companies that are not registered in India, most of which have backend infrastructure that cannot be regulated by the Act (Storyboard18).

This diversion of users to unregulated markets has two main risks. First, Indian players are deprived of the consumer protection offered to them in local regulation, and their data can be sent to suspicious foreign organizations. Second, the government loses control over the money flow that can be transferred via informal channels or cryptocurrencies or other obscure systems. Industry analysts are alerting that such developments may only worsen the issue of black-money instead of solving it (IGamingBusiness).

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Advertising, Age Gating, and Digital Rights

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The Act has also strengthened advertisement regulations, aligning with advisories issued by the Advertising Standards Council of India, which prohibits the targeting of minors. However, critics believe that the application remains inadequately enforced, and children can with comparative ease access unregulated overseas applications. In the absence of complementary digital literacy programs and strong parental controls, these limitations can be effectively superficial instead of real. 

Privacy advocates also warn that frequent prompts, vague messages, or invasive surveillance can weaken the digital rights of users instead of strengthening them. Overregulation has also been found to create banner blindness in global contexts where users ignore warnings without first clearly understanding them.

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Enforcement Challenges

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The Act puts a lot of responsibilities on many stakeholders, including the Ministry of Information and Broadcasting (MIB) and the Reserve Bank of India (RBI). Platforms like Google Play and Apple App Store are expected to verify government-approved lists of compliant gaming apps and remove non-compliant or banned ones, as directed by the MIB and the RBI. Although this pressure may motivate intermediaries to collaborate, it may also have a risk of overreach when it is applied unequally or in a political way.

According to the experts, the solution should be underpinned by technology itself. Artificial intelligence can be used to identify illegal advertisements, track illegal gaming in children, and trace payment streams. At the same time, the regulators should be able to issue final lists of either compliant or non-compliant applications to advise the consumers and intermediaries alike. Without such practical provisions, enforcement risks remaining patchy.

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Online Gaming Rules

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On 1 October 2025, the government issued a draft of the Online Gaming Rules in accordance with the Promotion and Regulation of Online Gaming Act. The regulations focus on the creation of the compliance frameworks, define the classification of the allowed gaming activities, and prescribe grievance-redressal mechanisms aiming to promote the protection of the players and procedural transparency. However, the draft does not revisit or soften the existing blanket prohibition on real-money gaming (RMG) and, hence, the questions about the effectiveness of enforcement and regulatory clarity remain open (Times of India, 2025).

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Protecting Consumers Without Stifling Innovation

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The ban highlights a larger conflict, i.e., the protection of the vulnerable users without stifling an industry that has traditionally contributed to innovation, jobs, and the collection of tax revenue. Online gaming has significantly added to the GST collections, and the sudden shakeup brings fiscal concerns (Reuters).

Several legal objections to the Act have already been brought, asking whether the Act is constitutional, especially as to whether the restrictions are proportional to the right to trade. The outcome of such cases will define the future trajectory of the digital economy of India (Reuters).

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Way Forward

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Instead of outright prohibition, a more balanced approach that incorporates regulation and consumer protection is suggested by the experts. Key measures could include:

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• A definite difference between games of skill and games of chance, with proportionate regulation.
• Age confirmation and campaign against online illiteracy to protect the underage population.
• Enhanced advertising and payments compliance requirements and enforceable non-compliance penalty.

• Coordinated oversight among different ministries to prevent duplication and regulatory struggle.
• Leveraging AI and fintech to track illegal financial activities (black money flows) and developing innovation.

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Conclusion

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The Online Gaming Act 2025 addresses social issues, such as addiction, monetary risk, and child safety, that require governance interventions.  However, the path it follows to this end, that of total prohibition,  is more likely to spawn a new set of issues instead of providing solutions because it will send consumers to offshore sites, undermine consumer rights, and slow innovation.

For India, the real challenge is not whether to prohibit online money gaming but how to create a balanced, transparent, and enforceable framework that protects users while fostering a responsible gaming ecosystem. India can reduce the adverse consequences of online betting without keeping the industry in the shadows with better coordination, reasonable use of technology, and balanced protection.

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References:

• India's Dream11, top gaming apps halt money-based games after ban
• India online gambling ban could drive punters to black market
• Offshore betting firms with backend ops in India not covered by online gaming law
• The Great Gamble: India’s Online Gaming Ban, The GST Battle, And What Lies Ahead.
• Game Over for Online Money Games? An Analysis of the Online Gaming Act 2025
• Government gambles heavily on prohibiting online money gaming
• Online gaming regulation: New rules to take effect from October 1; government stresses consultative approach with industry

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