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

Introduction:

This report examines ongoing phishing scams targeting "State Bank of India (SBI)" customers, India's biggest public bank using fake SelfKYC APKs to trick people. The image plays a part in a phishing plan to get users to download bogus APK files by claiming they need to update or confirm their "Know Your Customer (KYC)" info.

Fake Claim:

A picture making the rounds on social media comes with an APK file. It shows a phishing message that says the user's SBI YONO account will stop working because of their "Old PAN card." It then tells the user to install the "WBI APK" APK (Android Application Package) to check documents and keep their account open. This message is fake and aims to get people to download a harmful app.

Key Characteristics of the Scam:

• The messages "URGENTLY REQUIRED" and "Your account will be blocked today" show how scammers try to scare people into acting fast without thinking.
• PAN Card Reference: Crooks often use PAN card verification and KYC updates as a trick because these are normal for Indian bank customers.
• Risky APK Downloads: The message pushes people to get APK files, which can be dangerous. APKs from places other than the Google Play Store often have harmful software.
• Copying the Brand: The message looks a lot like SBI's real words and logos to seem legit.
• Shady Source: You can't find the APK they mention on Google Play or SBI's website, which means you should ignore the app right away.

Modus Operandi:

• Delivery Mechanism: Typically, users of messaging services like "WhatsApp," "SMS," or "email" receive identical messages with an APK link, which is how the scam is distributed.
• APK Installation: The phony APK frequently asks for a lot of rights once it is  installed, including access to "SMS," "contacts," "calls," and "banking apps."
• Data Theft: Once installed, the program may have the ability to steal card numbers, personal information, OTPs, and banking credentials.
• Remote Access: These APKs may occasionally allow cybercriminals to remotely take control of the victim's device in order to carry out fraudulent financial activities.

While the user installs the application on their device the following interface opens: 

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It asks the user to allow the following:

• SMS is used to send and receive info from the bank.
• User details such as Username, Password, Mobile Number, and Captcha. 

Technical Findings of the Application:

Static Analysis:

• File Name: SBI SELF KYC_015850.apk
• Package Name: com.mark.dot.comsbione.krishn
• Scan Date: Sept. 25, 2024, 6:45 a.m.
• App Security Score: 52/100 (MEDIUM RISK)
• Grade: B

File Information:

• File Name: SBI SELF KYC_015850.apk
• Size: 2.88MB
• MD5: 55fdb5ff999656ddbfa0284d0707d9ef
• SHA1: 8821ee6475576beb86d271bc15882247f1e83630
• SHA256: 54bab6a7a0b111763c726e161aa8a6eb43d10b76bb1c19728ace50e5afa40448

App Information:

• App Name: SBl Bank
• Package Name:: com.mark.dot.comsbione.krishn
• Main Activity: com.mark.dot.comsbione.krishn.MainActivity
• Target SDK: 34
• Min SDK: 24
• Max SDK:
• Android Version Name:: 1.0
• Android Version Code:: 1

App Components:

• Activities: 8
• Services: 2
• Receivers: 2
• Providers: 1
• Exported Activities: 0
• Exported Services: 1
• Exported Receivers: 2
• Exported Providers:: 0

Certificate Information:

• Binary is signed
• v1 signature: False
• v2 signature: True
• v3 signature: False
• v4 signature: False
• X.509 Subject: CN=PANDEY, OU=PANDEY, O=PANDEY, L=NK, ST=NK, C=91
• Signature Algorithm: rsassa_pkcs1v15
• Valid From: 20240904 07:38:35+00:00
• Valid To: 20490829 07:38:35+00:00
• Issuer: CN=PANDEY, OU=PANDEY, O=PANDEY, L=NK, ST=NK, C=91
• Serial Number: 0x1
• Hash Algorithm: sha256
• md5: 4536ca31b69fb68a34c6440072fca8b5
• sha1: 6f8825341186f39cfb864ba0044c034efb7cb8f4
• sha256: 6bc865a3f1371978e512fa4545850826bc29fa1d79cdedf69723b1e44bf3e23f
• sha512:05254668e1c12a2455c3224ef49a585b599d00796fab91b6f94d0b85ab48ae4b14868dabf16aa609c3b6a4b7ac14c7c8f753111b4291c4f3efa49f4edf41123d
• PublicKey Algorithm: RSA
• Bit Size: 2048
• Fingerprint: a84f890d7dfbf1514fc69313bf99aa8a826bade3927236f447af63fbb18a8ea6
• Found 1 unique certificate

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App Permission 

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1. Normal Permissions

• Access_network_state: Allows the App to View the Network Status of All Networks.
• Foreground_service: Enables Regular Apps to Use Foreground Services.
• Foreground_service_data_sync: Allows Data Synchronization With Foreground Services.
• Internet: Grants Full Internet Access.

2. Signature Permission:

• Broadcast_sms: Sends Sms Received Broadcasts. It Can Be Abused by Malicious Apps to Forge Incoming Sms Messages.

3. Dangerous Permissions:

• Read_phone_numbers: Grants Access to the Device’s Phone Number(S).
• Read_phone_state: Reads the Phone’s State and Identity, Including Phone Features and Data.
• Read_sms: Allows the App to Read Sms or Mms Messages Stored on the Device or Sim Card. Malicious Apps Could Use This to Read Confidential Messages.
• Receive_sms: Enables the App to Receive and Process Sms Messages. Malicious Apps Could Monitor or Delete Messages Without Showing Them to the User.
• Send_sms: Allows the App to Send Sms Messages. Malicious Apps Could Send Messages Without the User’s Confirmation, Potentially Leading to Financial Costs.

On further analysis on virustotal platform using md5 hash file, the following results were retrieved where there are 24 security vendors out of 68, marked this apk file as malicious and the graph represents the distribution of malicious file in the environment.

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Key Takeaways:

• Normal Permissions: Generally Safe for Accessing Basic Functionalities (Network State, Internet).
• Signature Permissions: May Pose Risks When Misused, Especially Related to Sms Broadcasts.
• Dangerous Permissions: Provide Sensitive Data Access, Such as Phone Numbers and Device Identity, Which Can Be Exploited by Malicious Apps.
• The Dangerous Permissions Pose Risks Regarding the Reading, Receiving, and Sending of Sms, Which Can Lead to Privacy Breaches or Financial Consequences.

How to Identify the Scam:

• Official Statement: SBI never asks clients to download unauthorized APKs for upgrades related to KYC or other services. All formal correspondence takes place via the SBI YONO app, which may be found in reputable app shops.
• No Immediate Threats: Bank correspondence never employs menacing language or issues harsh deadlines, such as "your account will be blocked today."
• Email Domain and SMS Number: Verified email addresses or phone numbers are used for official SBI correspondence. Generic, unauthorized numbers or addresses are frequently used in scams.
• Links and APK Files: Steer clear of downloading APK files from unreliable sources at all times. For app downloads, visit the Apple App Store or Google Play Store instead.

CyberPeace Advisory:

• The Research team recommends that people should avoid opening such messages sent via social platforms. One must always think before clicking on such links, or downloading any attachments from unauthorised sources.
• Downloading any application from any third party sources instead of the official app store should be avoided. This will greatly reduce the risk of downloading a malicious app, as official app stores have strict guidelines for app developers and review each app before it gets published on the store.
• Even if you download the application from an authorised source, check the app's permissions before you install it. Some malicious apps may request access to sensitive information or resources on your device. If an app is asking for too many permissions, it's best to avoid it.
• Keep your device and the app-store app up to date. This will ensure that you have the latest security updates and bug fixes.
• Falling into such a trap could result in a complete compromise of the system, including access to sensitive information such as microphone recordings, camera footage, text messages, contacts, pictures, videos, and even banking applications and could lead users to financial loss.
• Do not share confidential details like credentials, banking information with such types of Phishing scams.
• Never share or forward fake messages containing links on any social platform without proper verification.

Conclusion:

Fake APK phishing scams target financial institutions more often. This report outlines safety steps for SBI customers and ways to spot and steer clear of these cons. Keep in mind that legitimate banks never ask you to get an APK from shady websites or threaten to close your account right away. To stay safe, use SBI's official YONO app on both systems and get apps from trusted places like Google Play or the Apple App Store. Check if the info is true before you do anything turn on 2FA for all your bank and money accounts, and tell SBI or your local cyber police about any scams you see.

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Introduction

In recent years, India has witnessed a significant rise in the popularity and recognition of esports, which refers to online gaming. Esports has emerged as a mainstream phenomenon, influencing players and youngsters worldwide. In India, with the penetration of the internet at 52%, the youth has got its attracted to Esports. In this blog post, we will look at how the government is booting the players, establishing professional leagues, and supporting gaming companies and sponsors in the best possible manner. As the ecosystem continues to rise in prominence and establish itself as a mainstream sporting phenomenon in India.

Factors Shaping Esports in India: A few factors are shaping and growing the love for esports in India here. Let’s have a look.

Technological Advances: The availability and affordability of high-speed internet connections and smart gaming equipment have played an important part in making esports more accessible to a broader audience in India. With the development of smartphones and low-cost gaming PCs, many people may now easily participate in and watch esports tournaments.

Youth Demographic: India has a large population of young people who are enthusiastic gamers and tech-savvy. The youth demographic’s enthusiasm for gaming has spurred the expansion of esports in the country, as they actively participate in competitive gaming and watch major esports competitions.

Increase in the Gaming community: Gaming has been deeply established in Indian society, with many people using it for enjoyment and social contact. As the competitive component of gaming, esports has naturally gained popularity among gamers looking for a more competitive and immersive experience.

Esports Infrastructure and Events: The creation of specialised esports infrastructure, such as esports arenas, gaming cafés, and tournament venues, has considerably aided esports growth in India. Major national and international esports competitions and leagues have also been staged in India, offering exposure and possibilities for prospective esports players. Also supports various platforms such as YouTube, Twitch, and Facebook gaming, which has played a vital role in showcasing and popularising Esports in India.

Government support: Corporate and government sectors in India have recognised the potential of esports and are actively supporting its growth. Major corporate investments, sponsorships, and collaborations with esports organisations have supplied the financial backing and resources required for the country’s esports development. Government attempts to promote esports have also been initiated, such as forming esports governing organisations and including esports in official sporting events.

Growing Popularity and Recognition: Esports in India has witnessed a significant surge in viewership and fanbase, all thanks to online streaming platforms such as Twitch, YouTube which have provided a convenient way for fans to watch live esports events at home and at high-definition quality social media platforms let the fans to interact with their favourite players and stay updated on the latest esports news and events.

Esports Leagues in India

The organisation of esports tournaments and leagues in India has increased, with the IGL being one of the largest and most popular. The ESL India Premiership is a major esports event the Electronic Sports League organised in collaboration with NODWIN Gaming. Viacom18, a well-known Indian media business, established UCypher, an esports league. It focuses on a range of gaming games such as CS: GO, Dota 2, and Tekken in order to promote esports as a professional sport in India. All of these platforms provide professional players with a venue to compete and establish their profile in the esports industry.

India’s Performance in Esports to Date

Indian esports players have achieved remarkable global success, including outstanding results in prominent events and leagues. Individual Indian esports players’ success stories illustrate their talent, determination, and India’s ability to flourish in the esports sphere. These accomplishments contribute to the worldwide esports landscape’s awareness and growth of Indian esports. To add the name of the players and their success stories that have bought pride to India, they are Tirth Metha, Known as “Ritr”, a CS:GO player, Abhijeet “Ghatak”, Ankit “V3nom”, Saloni “Meow16K”.Apart from this Indian women’s team has also done exceptionally well in CS:GO and has made it to the finale.

Government and Corporate Sectors support: The Indian esports business has received backing from the government and corporate sectors, contributing to its growth and acceptance as a genuine sport.

Government Initiatives: The Indian government has expressed increased support for esports through different initiatives. This involves recognising esports as an official sport, establishing esports regulating organisations, and incorporating esports into national sports federations. The government has also announced steps to give financial assistance, subsidies, and infrastructure development for esports, therefore providing a favourable environment for the industry’s growth. Recently, Kalyan Chaubey, joint secretary and acting CEO of the IOA, personally gave the athletes cutting-edge training gear during this occasion, providing kits to the players. The kit includes the following:

Advanced gaming mouse.

Keyboard built for quick responses.

A smooth mousepad

A headphone for crystal-clear communication

An eSports bag to carry the equipment.

Corporate Sponsorship and Partnerships

Indian corporations have recognised esports’ promise and actively sponsored and collaborated with esports organisations, tournaments, and individual players. Companies from various industries, including technology, telecommunications, and entertainment, have invested in esports to capitalise on its success and connect with the esports community. These sponsorships and collaborations give financial support, resources, and visibility to esports in India. The leagues and championships provide opportunities for young players to showcase their talent.

Challenges and future

While esports provides great job opportunities, several obstacles must be overcome in order for the industry to expand and gain recognition:

Infrastructure & Training Facilities: Ensuring the availability of high-quality training facilities and infrastructure is critical for developing talent and allowing players to realise their maximum potential. Continued investment in esports venues, training facilities, and academies is critical for the industry’s long-term success.

Fostering a culture of skill development and giving outlets for formal education in esports would improve the professionalism and competitiveness of Indian esports players. Collaborations between educational institutions and esports organisations can result in the development of specialised programs in areas such as game analysis, team management, and sports psychology.

Establishing a thorough legal framework and governance structure for esports will help it gain legitimacy as a professional sport. Clear standards on player contracts, player rights, anti-doping procedures, and fair competition policies are all part of this.

Conclusion

Esports in India provide massive professional opportunities and growth possibilities for aspiring esports athletes. The sector’s prospects are based on overcoming infrastructure, perception, talent development, and regulatory barriers. Esports may establish itself as a viable and acceptable career alternative in India with continued support, investment, and stakeholder collaboration

Introduction

Personalised advertisements deploy a mechanism that derives from the collection of the user’s data. Although it allows for a more tailored user experience, one cannot ignore the method through which this is achieved. Recently, as per a report by the Indian Express on 13th November 2024, Meta has come up with a less personalised ad option on Facebook and Instagram for its users in the European Union (EU). This was done due to the incompatibility of their previous ad offer with the EU’s Digital Markets Act (DMA). 

Relevant Legislation

In October 2023, Meta came up with a “Pay or Consent” option for their users in the EU. It gave the users two options: either to pay a monthly subscription fee to avail of the ad-free usage variant of Facebook and Instagram, or to give consent to see personalised ads based on the user’s data. This consent model was introduced in their attempts to comply with the EU’s DMA. However, this was found to be incompatible with the said mandate, according to the EU regulators, as they believed that the users should not only have the option to consent to ads but also have access to less personalised but equivalent alternatives. It is this decision that pushed Meta to come up with less personalised ad options for users in the EU. The less-personalised ad option claims to rely on limited data and show ads that are only based on the context of what is being viewed i.e. during a Facebook or Instagram session requiring a minimum set of data points such as location, age, gender, and the user’s engagement with the ads. However, choosing this option also allows for such ads to be less skippable. 

The EU’s Digital Markets Act came into force on November 1, 2022. The purpose was to make the digital marketing sector fairer and in doing so, identify what they consider to be “Gatekeepers” (core platform services such as messenger services, search engines, and app stores) and a list of do’s and don’ts for them. One of them, applicable to the case mentioned above, is the effective consent required by the user in case the gatekeeper decides to target advertisements enabled by tracking the users' activity outside the gatekeeper's core platform services. 

The Indian Context

Although no such issues have been raised in India yet, it is imperative to know that in the Indian context, the DPDP (Digital Personal Data Protection) Act 2023 governs personal data regulation. This includes rules for Data Fiduciaries (those who, alone or in partnership with others, determine the means and purpose of processing personal data), the Data Principal (those who give data), Consent Managers, and even rules regarding processing data of children. 

CyberPeace Recommendations:

At the level of the user, one can take steps to ensure limited collection of personal data by following the mentioned steps: 

• Review Privacy Settings- Reviewing Privacy settings for one’s online accounts and devices is a healthy practice to avoid giving unnecessary information to third-party applications.
• Private Browsing- Browsing through private mode or incognito is encouraged, as it prevents websites from tracking your activity and personal data.
• Using Ad-blockers- Certain websites have a user option to block ads when the user first visits their page. Availing of this prevents spam advertisements from the respective websites.
• Using VPN- Using Virtual Private Networks enables users to hide their IP address and their data to be encrypted, preventing third-party actors from tracking the users' online activities
• Other steps include clearing cookies and cache data and using the location-sharing feature with care.

Conclusion

Meta’s compliance with the EU’s DMA signals that social media platforms cannot circumnavigate their way around rules. Balancing the services provided while respecting user privacy is of the utmost importance. The EU has set precedence for a system that respects this and can be used as an example to help set guidelines for how other countries can continue to deal with similar issues and set standards accordingly.

References

• https://indianexpress.com/article/technology/tech-news-technology/meta-less-personalised-ads-eu-regulatory-demands-9667266/
• https://rainmaker.co.in/blog/view/the-price-of-personalization-how-targeted-advertising-breaches-data-privacy-and-challenges-the-gdprs-shield
• https://www.infosecurity-magazine.com/magazine-features/fines-data-protection-violations/
• https://www.forbes.com/councils/forbestechcouncil/2023/09/01/the-landscape-of-personalized-advertising-efficiency-versus-privacy/
• https://iapp.org/news/a/pay-or-consent-personalized-ads-the-rules-and-whats-next
• https://economictimes.indiatimes.com/news/how-to/how-to-safeguard-privacy-in-the-era-of-personalised-ads/articleshow/102748711.cms?from=mdr
• https://www.business-standard.com/technology/tech-news/facebook-instagram-users-in-europe-can-opt-for-less-personalised-ads-124111201558_1.html
• https://digital-markets-act.ec.europa.eu/about-dma_en

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