#FactCheck - "Deepfake Video Falsely Claims Justin Trudeau Endorses Investment Project”

Introduction: 

The G7 Summit is an international forum that includes member states from France, the United States, the United Kingdom, Germany, Japan, Italy, Canada and the European Union (EU). The annual G7 meeting that is held every year was hosted by Japan this year in May 2023. It took place in Hiroshima. Artificial Intelligence (AI) was the major theme of this G7 summit. Key takeaways from this G7 summit highlight that leaders together focused on escalating the adoption of AI for beneficial use cases across the economy and the government and improving the governing structure to mitigate the potential risks of AI. 

Need for fair and responsible use of AI:

The G7 recognises that they really need to work together to ensure the responsible and fair use of AI to help establish technical standards for the same. Members of the G7 countries agreed to adopt an open and enabling environment for the development of AI technologies.  They also emphasized that AI regulations should be based on democratic values. G7 summit calls for the responsible use of AI. The ministers discussed the risks involved in AI technology programs like ChatGPT. They came up with an action plan for promoting responsible use of AI with human beings leading the efforts. 

Further Ministers from the Group of Seven (G7) countries (Canada, France, Germany, Italy, Japan, the UK, the US, and the EU) met virtually on 7 September 2023 and committed to creating ‘international guiding principles applicable for all AI actors’, and a code of conduct for organisations developing ‘advanced’ AI systems. 

What is HAP (Hiroshima AI Process)

Hiroshima AI Process (HAP) aims to establish trustworthy AI technical standards at the international level. The G7 agreed on creating a ministerial forum to prompt the fair use of AI. Hiroshima AI Process (HAP) is an effort by G7 to determine a way forward to regulate AI. The HAP establishes a forum for international discussions on inclusive AI governance and interoperability to achieve a common vision and goal of trustworthy AI at the global level.

The HAP will be operating in close connection with organisations including the Organisation for Economic Co-operation and Development (OECD) and the Global Partnership on AI (GPAI).

This Hiroshima AI Process (HAP) initiated at the Annual G7 Summit held in Hiroshima, Japan is a significant step towards regulating AI and the Hiroshima AI Process (HAP) is likely to conclude by December 2023.

G7 leaders emphasized fostering an environment where trustworthy AI systems are designed, developed and deployed for the common good worldwide. They advocated for international standards and interoperable tools for trustworthy AI that enable Innovation by creating a comprehensive policy framework, including overall guiding principles for all AI actors in the AI ecosystem.

Stressing upon fair use of advanced technologies:

The impact and misuse of generative AI was also discussed by the G7 leaders. The G7 members also stressed misinformation and disinformation in the realm of generative AI models. As they are capable of creating synthetic content such as deepfakes. In particular, they noted that the next generation of interactive generative media will leverage targeted influence content that is highly personalized, localized, and conversational. 

In the digital landscape, there is a rapid advancement of technologies such as generative 

Artificial Intelligence (AI), deepfake, machine learning, etc. Such technologies offer convenience to users in performing several tasks and are capable of assisting individuals and business entities. Since these technologies are easily accessible, cyber-criminals leverage AI tools and technologies for malicious activities, hence certain regulatory mechanisms at the global level will ensure and advocate for the ethical, reasonable and fair use of such advanced technologies. 

Conclusion: 

The G7 summit held in May 2023 focused on advanced international discussions on inclusive AI governance and interoperability to achieve a common vision and goal of trustworthy AI, in line with shared democratic values. AI governance has become a global issue, countries around the world are coming forward and advocating for the responsible and fair use of AI and influence on global AI governance and standards. It is significant to establish a regulatory framework that defines AI capabilities and identifies areas prone to misuse. And set forth reasonable technical standards while also fostering innovations. Hence overall prioritizing data privacy, integrity, and security in the evolving nature of advanced technologies. 

References:

• https://www.politico.eu/wp-content/uploads/2023/09/07/3e39b82d-464d-403a-b6cb-dc0e1bdec642-230906_Ministerial-clean-Draft-Hiroshima-Ministers-Statement68.pdf
• https://www.g7hiroshima.go.jp/en/summit/about/
• https://www.drishtiias.com/daily-updates/daily-news-analysis/the-hiroshima-ai-process-for-global-ai-governance
• https://www.businesstoday.in/technology/news/story/hiroshima-ai-process-g7-calls-for-adoption-of-international-technical-standards-for-ai-382121-2023-05-20

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Introduction

Your iPhone isn’t just a device: it’s a central hub for almost everything in your life. From personal photos and videos to sensitive data, it holds it all. You rely on it for essential services, from personal to official communications, sharing of information, banking and financial transactions, and more. With so much critical information stored on your device, protecting it from cyber threats becomes essential. This is where the iOS Lockdown Mode feature comes in as a digital bouncer to keep cyber crooks at bay.

Apple introduced the ‘lockdown’ mode in 2022. It is a new optional security feature and is available on iPhones, iPads, and Mac devices. It works as an extreme and optional protection mechanism for a certain segment of users who might be at a higher risk of being targeted by serious cyber threats and intrusions into their digital security.  So people like journalists, activists, government officials, celebrities, cyber security professionals, law enforcement professionals, and lawyers etc are some of the intended beneficiaries of the feature. Sometimes the data on their devices can be highly confidential and it can cause a lot of disruption if leaked or compromised by cyber threats. Given how prevalent cyber attacks are in this day and age, the need for such a feature cannot be overstated. This feature aims at providing an additional firewall by limiting certain functions of the device and hence reducing the chances of the user being targeted in any digital attack. 

How to Enable Lockdown Mode in Your iPhone

On your iPhone running on iOS 16 Developer Beta 3, you just need to go to Settings - Privacy and Security - Lockdown Mode. Tap on Turn on Lockdown Mode, and read all the information regarding the features that will be unavailable on your device if you go forward, and if you’re satisfied with the same all you have to do is scroll down and tap on Turn on Lockdown Mode. Your iPhone will get restarted with Lockdown Mode enabled. 

Easy steps to enable lockdown mode are as follows:

1. Open the Settings app.
2. Tap Privacy & Security.
3. Scroll down, tap Lockdown Mode, then tap Turn On Lockdown Mode.

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How Lockdown Mode Protects You

Lockdown Mode is a security feature that prevents certain apps and features from functioning properly when enabled. For example, your device will not automatically connect to Wi-Fi networks without security and will disconnect from a non-secure network when Lockdown Mode is activated. Many other features may be affected because the system will prioritise security standards above the typical operational functions. Since lockdown mode restricts certain features and activities, one can exclude a particular app or website in Safari from being impacted and limited by restrictions. Only exclude trusted apps or websites if necessary.

References:

1. https://support.apple.com/en-in/105120#:~:text=Tap%20Privacy%20%26%20Security.,then%20enter%20your%20device%20passcode
2. https://www.business-standard.com/technology/tech-news/apple-lockdown-mode-what-is-it-and-how-it-prevents-spyware-attacks-124041200667_1.html

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Introduction

Google India announced sachet loans on the Google Pay application to help small businesses in the country. Google India said that merchants in India often need smaller loans, hence, the tech giant launched sachet loans on the Gpay application. The company will provide loans to small businesses, which can be repaid in easier repayment instalments. To provide the load services, Google Pay has partnered with DMI Finance. This move comes at the Google for India, 2023, the flagship event to launch the Indian interventions planned by the big tech. 

What is a Sachet Loan? 

The loan system is the primary backbone of the global banking system. Since we have seen a massive transition towards the digital mode of transactions and banking operations, many online platforms have emerged. With the advent of QR codes, the Unified Payment Interface (UPI) has been rampantly used by Indians for making small or petty payments. Seeing this, Sachet loans made an advent as well, Sachet loans are essentially small-ticket loans ranging from Rs 10,000 to Rs 1 lakh, with repayment tenures between 7 days and 12 months. This nano-credit addresses immediate financial needs and is designed for swift approval and disbursement. Satchel loans are one of the most sought-after loan forms in the Western world. The ease of accessibility and easy repayment options have made it a successful form of money lending, which in turn has sparked the interest of the tech giant Google to execute similar operations in India. 

Google Pay

Pertaining to the fact that UPI payments are the most preferred form of online payment, google came out with GPay in 2013 and now enjoys a user base of 67 million Indians. Google Pay has a 36.10% mobile application market share in India, and 26% of the UPI payments made have been through Google Pay. Google Pay adoption for in-store payments in India was higher in 2023 than it was in early 2019, signalling a growing use among consumers. The numbers shown here refer to the share of respondents who indicated they used Google Pay in the last 12 months, either for POS transactions with a mobile device in stores and restaurants or for online shopping. Eight out of 10 respondents from India indicated they had used Google Pay in a POS setting between April 2022 and March 2023, with an additional seven out of 10 saying they used Google Pay during this same time for online payments.

Pertaining to the Indian spectrum, the following aspects should be kept into consideration: 

• PhonePe, Google Pay and Paytm accounted for nearly 96% of all UPI transactions by value in March
• PhonePe remained the top UPI app, processing 407.63 Cr transactions worth INR 7.07 Lakh Cr
• While Google Pay and Paytm retained second and third positions, respectively, Amazon Pay pushed CRED to the fifth spot in terms of the number of transactions
• Walmart-owned PhonePe, Google Pay and Paytm continued their dominance in India’s UPI payments space, together processing 94% of payments in March 2023.
• According to data from the National Payments Corporation of India (NPCI), the top three apps accounted for nearly 96% of all UPI transactions by value. This translates to about 841.91 Cr transactions worth INR 13.44 Lakh Cr between the three apps.

Conclusion

The big tech giant Google.org has been fundamental in creating and provisioning best-in-class services which are easily accessible to all the netizens. Satchel loans are the new services introduced by the platform and the widespread access of Gpay will go a long way in providing financial services and ease to the deprived and needy lot of the Indian population. This transition can also be seen by other payment portals like Paypal and Paytm, which clearly shows India's massive potential in leading the world of online banking and UPI transactions. As per stats, 40% of global online banking transactions take place in India. These aspects, coupled with the cores of Digital India and Make in India, clearly show how India is the global destination for investment in the current era.  

References

• https://www.livemint.com/companies/news/google-enters-retail-loan-business-in-india-11697697999246.html
• https://www.statista.com/statistics/1389649/google-pay-adoption-in-india/#:~:text=Eight%20out%20of%2010%20respondents,same%20time%20for%20online%20payments
• https://playtoday.co/blog/stats/google-pay-statistics/#:~:text=67%20million%20active%20users%20of%20Google%20Pay%20are%20in%20India.&text=Google%20Pay%20users%20in%20India,in%2Dstore%20and%20online%20purchases.
• https://inc42.com/buzz/phonepe-google-pay-paytm-process-94-of-upi-transactions-march-2023/

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