#FactCheck - Deepfake Video Falsely Claims visuals of a massive rally held in Manipur

Introduction

In India, the population of girls and adolescents is 253 million, as per the UNICEF report, and the sex ratio at birth is 929 per 1000 male children as of 2023. Cyberspace has massively influenced the daily aspects of our lives, and hence the safety aspect of cyberspace cannot be ignored any more. The social media platforms play a massive role in information dissemination and sharing. The data trail created by the use of such platforms is often used by cyber criminals to target innocent girls and children.

On Ground Stats

Of the six million crimes police in India recorded between 1 January and 31 December last year, 428,278 cases involved crimes against women. It’s a rise of 26.35% over six years – from 338,954 cases in 2016. A majority of the cases in 2021, the report said, were of kidnappings and abduction, rapes, domestic violence, dowry deaths and assaults. Also, 107 women were attacked with acid, 1,580 women were trafficked, 15 girls were sold, and 2,668 were victims of cybercrimes. With more than 56,000 cases, the northern state of Uttar Pradesh, which is India’s most populous with 240 million people, once again topped the list. Rajasthan followed it with 40,738 cases and Maharashtra with 39,526 cases. This shows the root of the problem and how deep this menace goes in our society. With various campaigns and initiatives by Government and the CSO, awareness is on the rise, but still, we need a robust prevention mechanism to address this issue critically.

Influence of Social Media Platforms

Social media platforms such as Facebook, Instagram and Twitter were created to bring people closer by eliminating geographical boundaries, which is strengthened by the massive internet connectivity network across the globe. Throughout 2022, on average, there are about 470.1 million active social media users in India on a monthly basis, with an annual growth rate of 4.2 % in 2021-22. This represents about  33.4 % of the total population. These social media users, on average, spend about 2.6 hours on social media, and each, on average, has accounts on 8.6 platforms.

The bad actors have also upskilled themselves and are now using these social platforms to commit cybercrimes. Some of these crimes against girls and women include – Impersonation, Identity theft, Cyberstalking, Cyber-Enabled human trafficking and many more. These crimes are on the rise post-pandemic, and instances of people using fake IDs to lure young girls into their traps are being reported daily. One such instance is when Imran Mansoori created an Instagram account in the name of Rahul Gujjar, username: rahul_gujjar_9010. Using social engineering and scoping out the vulnerabilities, he trapped a minor girl in a relationship & took her to a hotel in Moradabad. The hotel manager raised the suspicion of seeing a different ID & called the Police, Imran was then arrested. But many such crimes go unreported, and it is essential for all stakeholders to create a safeguard regarding girls’ and women’s safety.

Legal Remedies at our disposal

The Indian Legal system has been evolving with time towards the online safety of girls and women. The National Commission for Protection of Child Rights (NCPCR) and the National Commission for Women (NCW) have worked tirelessly to safeguard girls and women to create a wholesome, safe, secure environment. The Information Technology Act governs cyberspace and its associated rights and duties. The following provisions of the IT Act are focused towards safeguarding the rights –

• Violation of privacy – Section 66E
• Obscene material – Section 67
• Pornography & sexually explicit act – Section 67A
• Child pornography – Section 67B
• Intermediaries due diligence rules – Section 79

Apart from these provisions, acts like POCSO, IPC, and CrPC, draft the Digital Personal Data Protection Bill, Intermediary Guidelines on Social Media and Online Gaming and telecommunications bill.

Conclusion

The likelihood of becoming a victim of cybercrime is always growing due to increased traffic in the virtual world, which is especially true for women who are frequently viewed as easy targets. The types of cyber crimes that target women have grown, and the trend has not stopped in India. Cyber flaming, cyber eve-teasing, cyber flirting, and internet cheating are some new-generation crimes that are worth mentioning here. In India, women tend to be reluctant to speak up about issues out of concern that doing so might damage their reputations permanently. Without being fully aware of the dangers of the internet, women grow more susceptible the more time they spend online. Women should be more alert to protect themselves from targeted online attacks.

Introduction

India’s digital growth journey has been moving at a tremendous pace. According to MeitY’s report, India’s digital economy is expected to rise to US$ 500 billion by 2025, up from US$ 200 billion in 2019. The digitisation drive that we are experiencing is likely to foster and boost a favourable business environment that will attract rapid investment and augment economic growth across sectors. This will, in turn, compel businesses to adopt digital platforms as solutions to meet customer expectations. Due to accelerated digitisation, cyber risks often deter business growth. Cybercrimes are becoming more rampant and complex and the costs associated with such breaches are not only increasing but also becoming more systemic.

Development of the Cyber Insurance Landscape

Digitization of businesses started in the 1980s with the use of mainframes. Personal computers entered the game and further modified the landscape from the 2000s along with LANs, the internet and the dot-com boom of the 2000s. In the late 1990s, cyber-insurance was developed as a risk management tool to ensure information security. Coverage was limited, and clients included SMEs in need of insurance to qualify for tenders, or community banks too small to hedge the risks of their online banking operations. The first cyber insurance policy was written in 1997 through AIG, against hacking as a third-party liability policy. 

The current trends in the cyber insurance space are focused on the prevention of cyber risks, which by nature are hard to outline and constantly evolving. The result is that the buyers have limited clarity on the types of cyber risks covered under cyber insurance, and even lesser visibility on the scope and amount of optimum coverage. Unfamiliarity with the claim procedure and resolutions, ambiguous claim thresholds during settlements, and confusion around exclusions and coverage of regulatory fines and penalties under a purchased scheme further discourage potential buyers from seriously investing in cyber insurance products. 

Key Factors in Cyber Insurance Evolution and Its Role in Risk Management

The cyber insurance market in India has three key influencing factors, namely the speed of achieving digital maturity, government initiatives to digitise and enforce stringent cyber laws, and the evolving landscape with technology giants and MNCs entering the cyber insurance domain. The latter  are the catalyst for intensifying competition in this market. 

Advancements in technology in terms of AI, machine learning, big data, robotics, blockchain, augmented and virtual reality, and IoT are expected to reshape the insurance industry and help reach untapped audiences in a more digital-forward manner. With the absence of a standard cyber insurance policy, regulators need to take the following variables into consideration while developing cyber insurance policies: the risk insured against, the scope of the loss covered and the limits/ sub-limits.

Challenges 

With the complexity of cyber risks increasing exponentially the challenges to counter the same are growing too which is leading to gaps in the coverage offered for cyber threats. Resultantly, the compliance regulations are dependent on the risks which exist and cyber threat actors adopt new technologies faster and exploit them to their benefit. A lack of historical data and predictability in future cyber risks, the possibility of large overwhelming loss events, uncertainties among market participants about what is specifically covered under such policies, and legal battles over fundamental issues are some of the challenges identified.

Future Outlook/ Recommendations

India's cyber infrastructure requires a multi-faceted approach that involves collaboration between government, industry, and academia should be developed. Some recommendations are:

• Risk assessments should be a general practice and the cyber insurance policies should be simplified, clearing the mismatch between the premium paid and insurance coverage and there should be standard verbosity across cyber policy language.
• Promoting R&D tailored to India focused on education programs that have public-private partnerships and global collaborations to share threat intelligence, best practices, and expertise in critical infrastructure protection.
• Cyber insurance can also be promoted as compliance with the DPDP Act, which would lead to better development of cyber infrastructure and cyber hygiene practices.
• Regular updates to cyber insurance policies to ensure relevance and effectiveness. Insurers could create and offer holistic cyber insurance risk management plans.

Conclusion

According to a report by Deloitte in 2023, the cyber insurance market in India is expected to grow by 27-30 per cent in the coming years and it is currently valued at USD 50-60 million, while maintaining a steady 27-30 per cent CAGR in the past three years. The Indian cyber infrastructure’s nature is challenging, however, it offers opportunities for growth, innovation, and collaboration. A proactive approach, supported by robust policies, advanced technologies, and skilled professionals, will be essential to building a resilient cyber infrastructure capable of withstanding evolving threats.

Reference

• https://www2.deloitte.com/content/dam/Deloitte/nl/Documents/financial-services/deloitte-nl-fsi-demystifying-cyber-insurance-coverage-report.pdf
• https://www.dnaindia.com/business/report-what-s-cyber-liablity-insurance-and-why-you-may-need-it-2136556‍
• https://economictimes.indiatimes.com/industry/banking/finance/insure/cyber-insurance-gains-momentum-in-india-set-to-witness-exponential-growth-deloitte/articleshow/104189297.cms?from=mdr

Introduction

Misinformation is a major issue in the AI age, exacerbated by the broad adoption of AI technologies. The misuse of deepfakes, bots, and content-generating algorithms have made it simpler for bad actors to propagate misinformation on a large scale. These technologies are capable of creating manipulative audio/video content, propagate political propaganda, defame individuals, or incite societal unrest. AI-powered bots may flood internet platforms with false information, swaying public opinion in subtle ways. The spread of misinformation endangers democracy, public health, and social order. It has the potential to affect voter sentiments, erode faith in the election process, and even spark violence. Addressing misinformation includes expanding digital literacy, strengthening platform detection capabilities, incorporating regulatory checks, and removing incorrect information.

AI's Role in Misinformation Creation

AI's growth in its capabilities to generate content have grown exponentially in recent years. Legitimate uses or purposes of AI many-a-times take a backseat and result in the exploitation of content that already exists on the internet. One of the main examples of misinformation flooding the internet is when AI-powered bots flood social media platforms with fake news at a scale and speed that makes it impossible for humans to track and figure out whether the same is true or false.

The netizens in India are greatly influenced by viral content on social media. AI-generated misinformation can have particularly negative consequences. Being literate in the traditional sense of the word does not automatically guarantee one the ability to parse through the nuances of social media content authenticity and impact. Literacy, be it social media literacy or internet literacy, is under attack and one of the main contributors to this is the rampant rise of AI-generated misinformation. Some of the most common examples of misinformation that can be found are related to elections, public health, and communal issues. These issues have one common factor that connects them, which is that they evoke strong emotions in people and as such can go viral very quickly and influence social behaviour, to the extent that they may lead to social unrest, political instability and even violence. Such developments lead to public mistrust in the authorities and institutions, which is dangerous in any economy, but even more so in a country like India which is home to a very large population comprising a diverse range of identity groups. 

Misinformation and Gen AI

Generative AI (GAI) is a powerful tool that allows individuals to create massive amounts of realistic-seeming content, including imitating real people's voices and creating photos and videos that are indistinguishable from reality. Advanced deepfake technology blurs the line between authentic and fake. However, when used smartly, GAI is also capable of providing a greater number of content consumers with trustworthy information, counteracting misinformation. 

Generative AI (GAI) is a technology that has entered the realm of autonomous content production and language creation, which is linked to the issue of misinformation. It is often difficult to determine if content originates from humans or machines and if we can trust what we read, see, or hear. This has led to media users becoming more confused about their relationship with media platforms and content and highlighted the need for a change in traditional journalistic principles.

We have seen a number of different examples of GAI in action in recent times, from fully AI-generated fake news websites to fake Joe Biden robocalls telling the Democrats in the U.S. not to vote. The consequences of such content and the impact it could have on life as we know it are almost too vast to even comprehend at present. If our ability to identify reality is quickly fading, how will we make critical decisions or navigate the digital landscape safely? As such, the safe and ethical use and applications of this technology needs to be a top global priority. 

Challenges for Policymakers

AI's ability to generate anonymous content makes it difficult to hold perpetrators accountable due to the massive amount of data generated. The decentralised nature of the internet further complicates regulation efforts, as misinformation can spread across multiple platforms and jurisdictions. Balancing the need to protect the freedom of speech and expression with the need to combat misinformation is a challenge. Over-regulation could stifle legitimate discourse, while under-regulation could allow misinformation to propagate unchecked. India's multilingual population adds more layers to already-complex issue, as AI-generated misinformation is tailored to different languages and cultural contexts, making it harder to detect and counter. Therefore, developing strategies catering to the multilingual population is necessary.

Potential Solutions

To effectively combat AI-generated misinformation in India, an approach that is multi-faceted and multi-dimensional is essential. Some potential solutions are as follows:

• Developing a framework that is specific in its application to address AI-generated content. It should include stricter penalties for the originator and spreader and dissemination of fake content in proportionality to its consequences. The framework should establish clear and concise guidelines for social media platforms to ensure that proactive measures are taken to detect and remove AI-generated misinformation.
• Investing in tools that are driven by AI for customised detection and flagging of misinformation in real time. This can help in identifying deepfakes, manipulated images, and other forms of AI-generated content. 

• The primary aim should be to encourage different collaborations between tech companies, cyber security orgnisations, academic institutions and government agencies to develop solutions for combating misinformation. 
• Digital literacy programs will empower individuals by training them to evaluate online content. Educational programs in schools and communities teach critical thinking and media literacy skills, enabling individuals to better discern between real and fake content.

Conclusion

AI-generated misinformation presents a significant threat to India, and it is safe to say that the risks posed are at scale with the rapid rate at which the nation is developing technologically. As the country moves towards greater digital literacy and unprecedented mobile technology adoption, one must be cognizant of the fact that even a single piece of misinformation can quickly and deeply reach and influence a large portion of the population. Indian policymakers need to rise to the challenge of AI-generated misinformation and counteract it by developing comprehensive strategies that not only focus on regulation and technological innovation but also encourage public education. AI technologies are misused by bad actors to create hyper-realistic fake content including deepfakes and fabricated news stories, which can be extremely hard to distinguish from the truth. The battle against misinformation is complex and ongoing, but by developing and deploying the right policies, tools, digital defense frameworks and other mechanisms, we can navigate these challenges and safeguard the online information landscape.

References:

• https://economictimes.indiatimes.com/news/how-to/how-ai-powered-tools-deepfakes-pose-a-misinformation-challenge-for-internet-users/articleshow/98770592.cms?from=mdr 
• https://www.dw.com/en/india-ai-driven-political-messaging-raises-ethical-dilemma/a-69172400 
• https://pure.rug.nl/ws/portalfiles/portal/975865684/proceedings.pdf#page=62 

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