#FactCheck - Debunking the AI-Generated Image of an Alleged Israeli Army Dog Attack

Executive Summary:

A viral video that has gone viral is purportedly of mass cheating during the UPSC Civil Services Exam conducted in Uttar Pradesh. This video claims to show students being filmed cheating by copying answers. But, when we  did a thorough research, it was noted that the incident happened during an LLB exam, not the UPSC Civil Services Exam. This is a representation of misleading content being shared to promote misinformation.

Claim: 

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Mass cheating took place during the UPSC Civil Services Exam in Uttar Pradesh, as shown in a viral video.

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Fact Check:

Upon careful verification, it has been established that the viral video being circulated does not depict the UPSC Civil Services Examination, but rather an incident of mass cheating during an LLB examination. Reputable media outlets, including Zee News and India Today, have confirmed that the footage is from a law exam and is unrelated to the UPSC.

The video in question was reportedly live-streamed by one of the LLB students, held in February 2024  at City Law College in Lakshbar Bajha, located in the Safdarganj area of Barabanki, Uttar Pradesh.

The misleading attempt to associate this footage with the highly esteemed Civil Services Examination is not only factually incorrect but also unfairly casts doubt on a process that is known for its rigorous supervision and strict security protocols. It is crucial to verify the authenticity and context of such content before disseminating it, in order to uphold the integrity of our institutions and prevent unnecessary public concern.

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Conclusion:

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The viral video purportedly showing mass cheating during the UPSC Civil Services Examination in Uttar Pradesh is misleading and not genuine. Upon verification, the footage has been found to be from an LLB examination, not related to the UPSC in any manner. Spreading such misinformation not only undermines the credibility of a trusted examination system but also creates unwarranted panic among aspirants and the public. It is imperative to verify the authenticity of such claims before sharing them on social media platforms. Responsible dissemination of information is crucial to maintaining trust and integrity in public institutions.

• Claim: A viral video shows UPSC candidates copying answers.
• Claimed On: Social Media
• Fact Check: False and Misleading

Introduction

In the multifaceted world of international trade and finance, cross-border transactions constitute the heart of economic relationships that span the globe. The threads that intertwine forming the fabric of global commerce are ceaselessly dynamic and exhibit an intricate pattern of complexity especially when it comes to the regulated movement of capital. It's a domain where economies connect, where businesses engage in sublime commerce, and where technology and regulation intersect at critical juncture. These guidelines will play a critical role in the regulation of capital, fortification of financial integrity, and transparency of regulatory and cross-border payments. The key highlights of this regulation include strict pre-authorization for non-bank entities, mandating specific accounts for import and export PA-CBs and a transaction ceiling of 25,00,000 Rupees.

The Vigilance of RBI 

The Reserve Bank of India (RBI), ever vigilant in its shepherding role over the nation's financial stability and integrity, has taken decisive strides to dispel the haze that once clouded this critical sector. With the issuance of a revelatory circular dated October 31, 2023, the RBI has unveiled a groundbreaking framework that redefines the terrain for these pivotal financial entities, aptly christened as Payment Aggregators – Cross Border (PA-CB). In deploying this comprehensive array of regulations, the RBI demonstrates a robust commitment to harmonizing and synchronizing the oversight of payments within the country's financial fabric, extending its meticulous regulatory weave from domestic Payment Aggregators (PAs) to the PA-CBs, a sector previously undistinguished in formal oversight.

The prescriptive measures announced by the RBI are nothing short of a regulatory beacon that cuts through the fog of uncertainty, illuminating a clear path forward for entities dedicated to facilitating cross-border payment transactions pertaining to the import and export of permissible goods and services in India through online modes. Inclusiveness is a hallmark of the RBI’s directive, encompassing a diverse cadre of financial actors, ranging from Authorized Dealer (AD) banks and conventional Payment Aggregators (PAs), to the emergent breed of PA-CBs actively engaged in processing these critical international payment transactions.

Key Aspects of Regulation

One of the most striking aspects of this new regulatory regime is the RBI's insistence on pre-authorization. All non-bank entities providing PA-CB services are impelled to apply to the apex bank for authorisation by April 30, 2024. This is far from a perfunctory gesture; it represents a profound departure from the bygone era when these entities functioned under a patchwork of provisional guidelines and ad-hoc circulars. Indeed, with this resolute move, the RBI signals its intention to embrace these entities within its direct regulatory gambit, an acknowledgement of the shifting tides and progressive intricacies characteristic of cross-border payments.

The tapestry of new rules is complex, setting forth an array of prerequisites for entities aspiring for authorization. For instance, non-bank PA-CBs are obliged to register with the Financial Intelligence Unit-India (FIU-IND) as a preliminary step before commencing the application process. Moreover, the financial benchmarks set are notably rigorous. Non-banks must boast a minimum net worth of ₹15 crores at the time of the application—a figure that escalates to a robust ₹25 crores by the fiscal deadline of March 31, 2026.

Way Forward

As if these requirements weren't indicative enough of the RBI’s penchant for detail and precision, the guidelines become yet more granular when addressing specific types of PA-CBs. Import-only PA-CBs are mandatorily obliged to maintain an Import Collection Account (ICA) with an AD Category-I scheduled commercial bank, while export-only PA-CBs are instructed to maintain an Export Collection Account (ECA), which can be maintained in Indian Rupees (INR) or any permissible foreign currency. The nuance here is palpable; payments for import transactions must be received in a meticulously managed escrow account of the PA, prior to being funneled into the ICA for smooth settlement with overseas merchants.

Conversely, export-only PA-CBs' proceeds from international sales must be swiftly credited to the relevant currency ECA. This meticulous accounting ensures that the flow of funds is both transparent and traceable, adhering to the utmost standards of financial probity.

Yet, perhaps the most emphatic of the RBI's pronouncements is the establishment of a transaction ceiling. PA-CBs have their per-transaction limit capped at ₹25,00,000 for each unit of goods or services exchanged. This calculated move is transparent in its objective to mitigate risk—a crucial aspect when one considers the potential implications of these transactions on the country’s fiscal health and the integrity of its financial systems.

It is no exaggeration to declare that with these guidelines, the RBI is effectuating a seismic shift in the regulation of cross-border payment transactions. There's a fundamental transformation taking place—a metamorphosis—from a loosely defined existence of PA-CBs to one of distinct clarity, under the direct and unswerving supervisory gaze of the regulator. The compliance burden, indeed, has become heavier, yet the return is a compass that points decisively towards secure harbours.

As we embark upon the fresh horizons that these rules bring into view, it is imperative to acknowledge that the RBI's regulatory innovations represent far more than a mere codification of dos and don'ts. They embody a visionary stride towards safeguarding and fortifying the architecture of international payments, a critical component of India's burgeoning presence on the world economic stage.

Conclusion 

The journey ahead, as we navigate these newly charted waters with the RBI's guidelines as our steadfast North Star, will no doubt be replete with challenges, adaptations and learning curves for the array of operational entities. But it is with confidence we can say, the path is set; the map is clear. The complex labyrinth of cross-border financial transactions is now demystified, and the RBI's clarion call beckons us towards a future marked by regulation, security, and above all else, reliability in the cosmopolitan tapestry of global trade. RBI’s guidelines provide a comprehensive framework for standardizing cross-border financial transactions in India. This decision is a monumental step towards maintaining cyber peace in cyberspace. 

References:

• https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12561&Mode=0
• https://www2.deloitte.com/in/en/pages/tax/articles/tax-alert-Regulation-of-payment-aggregator-cross-border-pa-cb.html
• https://www.jsalaw.com/newsletters-and-updates/rbis-new-guidelines-to-govern-payment-aggregators-in-cross-border-transactions/ 

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Executive Summary:

Internship scams have infiltrated the academic landscape, scamming students of many prestigious colleges. The students often prefer to carry out internships to gain knowledge and work experience. These scams use the name of popular multinational companies to exploit the students. This report studies the various case studies, their modus operandi, impact on the students and preventive strategies. This report emphasises the importance of awareness and proactive measures to protect students from falling victim to such frauds.

1. Introduction

Internships are the opportunity to overcome the gap between the practical knowledge acquired at the university and practical experience, to get practical skills and contacts in the field of activity, as well as improve employment prospects. Instead, because of high paying internships and interesting positions students have become targets of work scams. As we have seen with the advancement in digital technology, scammers take advantage of the disguise of the internet, making very neat, smart, and convincing scams. 

 Internship scams are very prevalent and they include fake job listings and phishing schemes as well as payment frauds which make students lose lots of money and also emotionally expose them. In this specific case, this paper examines how these scams work, the warning signs, and ways of protecting students from falling victim to them.

2. Detailed Modus Operandi of Internship Scams

Internship scams often employ  a variety of tactics to attract and deceive unsuspecting students. Below is a detailed breakdown of the common methods used by scammers:

1. Fake Job Listings and Offers:some text
   • Scammers post attractive internship offers on popular job portals, social media platforms, and even send personalised messages via LinkedIn. These listings often mimic the branding and style of reputable companies, including well-designed logos, professional email addresses, and official-looking websites.
   • Example: A fake internship offer from a reputed software firm circulates on a job portal, with a professional landing page. Students who apply are quickly “hired” without any interviews, and are asked to pay a security deposit to confirm their acceptance.
2. Upfront Payment Requests:some text
   • Scammers ask for payment such as registration fees, training materials, background checks, or security deposits. These payments comes under non-refundable payment  and it act as the primary revenue stream for the fraudsters.
   • Example: A group of students receive internship offers requiring a payment of INR 10,000 for "training materials" and "online assessments." After making the payment, the students never hear back from the company, and all attempts to contact them were futile.
3. Phishing and Identity Theft:some text
   • Beyond financial fraud, some scams aim to steal personal information. Fake internship applications often require detailed personal data, including identity proofs, bank account details. This data will be used as identity theft or sold on the dark web.
   • Example: A student applies for an internship that asks for copies of identification documents and bank details. This information sharing led to unauthorised transactions in their bank account. 
4. Work-from-Home Frauds:some text
   • With the rise of remote work, scammers also offer work-from-home internships that require students to purchase software or pay for specialised training. After payment, students are often given irrelevant tasks or no tasks at all, leaving them with no real work experience.
   • Example: An internship advertised as a "remote data analysis role" required students to buy a proprietary software licence. After paying, students realised the software was freely available online, and the internship tasks were non-existent.
5. Impersonation of Reputed Companies:some text
   • Scammers use the name of well-known companies, they modify the email addresses or create fake websites that look original. They use these platforms to send offer letters, making it difficult for students to identify the scam.
   • Example: A scammer creates a fake website mirroring a major consulting firm's internship page. The only difference is a minor change in the URL. Dozens of students are duped into paying registration fees.

3. Case Studies of Real-Life Incidents

1. Case Study 1: The Certification Course and Internshipsome text
   • A group of students received personalised emails from an official domain of a reputed tech industry providing an internship offer. Students were asked to pay Rs 10,000 to undergo a certification course to carry the internship. After paying the amount, the students did not receive any instructions, and the company was found to be nonexistent. The scammer had spoofed the company’s email domain, making it difficult to trace the source.
2. Case Study 2: The Social Media Trapsome text
   • A student from a university encountered an internship post on Instagram, advertising roles at a popular fashion brand. The application process involved a "screening fee" of INR 5,000. Despite appearing legitimate, the internship was fake, and the brand had no knowledge of the post. The student's personal data was also compromised, leading to unauthorised social media activity.
3. Case Study 3: Internship Providing Social Platformssome text
   • A popular internship providing platform, faced an incident where a scammer posted fraudulent internship offers under the guise of a major multinational. The scam involved asking students to purchase expensive software to start their work. The platform had to issue warnings and remove the listings after several complaints.

4. The Impact on Students

The consequences of internship scams extend beyond immediate financial loss, affecting students on multiple levels:

1. Financial Impact:some text
   • Students lose their money, ranging from minor fees to significant payments.
2. Emotional and Psychological Distress:some text
   • These kinds of scams can lead to anxiety, depression and loss of confidence in availing the opportunities in future. 
3. Exposure to Further Scams:some text
   • Scammers often share details of their victims with other fraudsters, making students susceptible to repeated scams, including phishing attacks, financial frauds, and unsolicited offers.

5. Preventive Measures

1. Verification of Internships:some text
   • Always verify the authenticity of the internship by researching the company on official platforms such as LinkedIn, the company’s official website, and through trusted contacts or college placement cells.
2. Avoid Upfront Payments:some text
   • Employers do not ask for money in exchange for job or internship offers. If they demand for any kind of payment, then the employer is not original. Always question the necessity of such payments and consult trusted advisors before proceeding.
3. Use Trusted Job Portals:some text
   • Apply for internships through recognized platforms like LinkedIn, Internshala, or your college’s placement cell, which have verification processes to filter out fraudulent postings.
4. Reporting Scams:some text
   • Report suspicious offers to your college authorities, placement cells, and local cybercrime departments. Additionally, use platforms like Internshala’s “Report This Job” feature to flag fraudulent listings.
5. Stay Educated and Updated:some text
   • It is important to educate students by providing workshops, webinars, and awareness sessions on cybersecurity to stay informed and report about the latest scams. 

6. Conclusion

Internship scams are a severe threat to the student society since they manipulate the student’s desire for an internship. The best ways to prevent such cons are by being cautious and receptive to whatever is being offered. Internship seekers, colleges and the placement cells have to work hand in hand to ensure that there is no fear among  people seeking internships.

References

1. Smith, J. (2024). Internship Scams on the Rise: How to Spot and Avoid Them. Retrieved from example1.com.
2. Brown, A. (2023). Student Internship Scams in India: A Growing Concern. Retrieved from example2.com.
3. Johnson, L. (2024). How to Protect Yourself from Fake Internship Offers. Retrieved from example3.com.
4. Gupta, R. (2024). Social Media and the Rise of Job Scams. Retrieved from example4.com.

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