#FactCheck - "Viral Video Falsely Claimed as Evidence of Attacks in Bangladesh is False & Misleading”

Introduction

Deepfakes are artificial intelligence (AI) technology that employs deep learning to generate realistic-looking but phoney films or images. Algorithms use large volumes of data to analyse and discover patterns in order to provide compelling and realistic results. Deepfakes use this technology to modify movies or photos to make them appear as if they involve events or persons that never happened or existed.The procedure begins with gathering large volumes of visual and auditory data about the target individual, which is usually obtained from publicly accessible sources such as social media or public appearances. This data is then utilised for training a deep-learning model to resemble the target of deep fakes.

Recent Cases of Deepfakes-‍

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In an unusual turn of events, a man from northern China became the victim of a sophisticated deep fake technology. This incident has heightened concerns about using artificial intelligence (AI) tools to aid financial crimes, putting authorities and the general public on high alert.
During a video conversation, a scammer successfully impersonated the victim’s close friend using AI-powered face-swapping technology. The scammer duped the unwary victim into transferring 4.3 million yuan (nearly Rs 5 crore). The fraud occurred in Baotou, China.

AI ‘deep fakes’ of innocent images fuel spike in sextortion scams
Artificial intelligence-generated “deepfakes” are fuelling sextortion frauds like a dry brush in a raging wildfire. According to the FBI, the number of nationally reported sextortion instances came to 322% between February 2022 and February 2023, with a notable spike since April due to AI-doctored photographs. And as per the FBI, innocent photographs or videos posted on social media or sent in communications can be distorted into sexually explicit, AI-generated visuals that are “true-to-life” and practically hard to distinguish. According to the FBI, predators often located in other countries use doctored AI photographs against juveniles to compel money from them or their families or to obtain actual sexually graphic images.

Deepfake Applications

• Lensa AI.
• Deepfakes Web.
• Reface.
• MyHeritage.
• DeepFaceLab.
• Deep Art.
• Face Swap Live.
• FaceApp.

Deepfake examples

There are numerous high-profile Deepfake examples available. Deepfake films include one released by actor Jordan Peele, who used actual footage of Barack Obama and his own imitation of Obama to convey a warning about Deepfake videos.
A video shows Facebook CEO Mark Zuckerberg discussing how Facebook ‘controls the future’ with stolen user data, most notably on Instagram. The original video is from a speech he delivered on Russian election meddling; only 21 seconds of that address were used to create the new version. However, the vocal impersonation fell short of Jordan Peele’s Obama and revealed the truth.

The dark side of AI-Generated Misinformation

• Misinformation generated by AI-generated the truth, making it difficult to distinguish fact from fiction.
• People can unmask AI content by looking for discrepancies and lacking the human touch.
• AI content detection technologies can detect and neutralise disinformation, preventing it from spreading.

Safeguards against Deepfakes-

Technology is not the only way to guard against Deepfake videos. Good fundamental security methods are incredibly effective for combating Deepfake.For example, incorporating automatic checks into any mechanism for disbursing payments might have prevented numerous Deepfake and related frauds. You might also:

• Regular backups safeguard your data from ransomware and allow you to restore damaged data.
• Using different, strong passwords for different accounts ensures that just because one network or service has been compromised, it does not imply that others have been compromised as well. You do not want someone to be able to access your other accounts if they get into your Facebook account.
• To secure your home network, laptop, and smartphone against cyber dangers, use a good security package such as Kaspersky Total Security. This bundle includes anti-virus software, a VPN to prevent compromised Wi-Fi connections, and webcam security.

What is the future of Deepfake –

Deepfake is constantly growing. Deepfake films were easy to spot two years ago because of the clumsy movement and the fact that the simulated figure never looked to blink. However, the most recent generation of bogus videos has evolved and adapted.
There are currently approximately 15,000 Deepfake videos available online. Some are just for fun, while others attempt to sway your opinion. But now that it only takes a day or two to make a new Deepfake, that number could rise rapidly.

Conclusion-

The distinction between authentic and fake content will undoubtedly become more challenging to identify as technology advances. As a result, experts feel it should not be up to individuals to discover deep fakes in the wild. “The responsibility should be on the developers, toolmakers, and tech companies to create invisible watermarks and signal what the source of that image is,” they stated. Several startups are also working on approaches for detecting deep fakes.

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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‍Introduction 

The enactment of the Online Gaming (Promotion and Regulation) Act, 2025 has a significant impact, resulting in considerable changes to the structure of the Indian gaming industry. The ban on Real-Money Games (RMG), including fantasy sports, rummy, and poker, aims to curb addiction, illegal betting and most importantly, financial exploitation.

However, this decision sent ripples throughout the industry, resulting in players, companies and their investors re-strategising their plans to move forward. This approach, however, is a sharp contrast to how other nations, including the UK, Singapore and others, regulate online gaming. This, as a result, has also raised doubts about the ban and calls into question whether this is the right move.

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Industry in Flux - The resultant Fallout

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• MPL’s Layoffs: The Mobile Premiere League has so far laid off nearly 60 per cent of its workforce, with the CEO of the company openly admitting that the company is no longer able to make money in India.
• Dream11’s Lost Revenue: Having seen a position of being a market leader, the company has now witnessed its 95 per cent revenue wiped out, resulting in raised alarms among investors.
• A23’s Legal Move: The company chose to move the Karnataka High Court under the argument that the ban also ends up unfairly criminalising skill-based games that were earlier classified differently from gambling by the courts.

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The new face of eSports: With RMGs outlawed, the focus is now on esports, including casual mobile gaming, console/PC gaming, and creating new opportunities and also leaving a void for RMG revenue companies.

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Regulations Around the World - & India

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India has adopted a prohibition model, whereas many other countries have developed regulatory frameworks that allow sectoral expansion under monitoring.

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United Kingdom:

• Online gaming is regulated by the UK Gambling Commission.
• RMGs are legal but subject to strict licensing, age verification and advertising rules.
• Self-exclusion schemes are a must, offered by operators along with tools to prevent gambling addictions.

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United States

• State-driven regulations that vary from state to state.
• States including Nevada and New Jersey allow casinos both online and offline, while other states prohibit them completely.
• Regulation for skill-based fantasy games is fragmented but generally legal.

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China

• Great focus on controlling and restricting gaming addictions among minors.
• Time limits are enforced for players under 18 (usually as little as 3 hours per week).
• Gambling has been deemed illegal; however, esports and casual gaming operate within China’s regulated gaming ecosystem, subject to certain compliance.

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Singapore

• The Remote Gambling Act regulates chance-based games, while other eSports and skill-based games operate out of its jurisdiction and are regulated separately.
• Online gambling isn't completely banned, but is operated under restrictions.
• Only Licensed operators under strict controls are allowed by the government to operate to avoid and prevent black-market alternatives.

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Australia

• Regulates under the Interactive Gambling Act.
• Sports betting and certain licensed operators are allowed, while most of the other online gambling services are prohibited.
• Restrictions on advertising and real-time interventions allow emphasis on harm minimisation.

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India’s Approach  - Comparison

The Online Gaming (Promotion and Regulation) Act, 2025 introduces a prohibition model for real money games. This differs from jurisdictions such as the UK and US, which have implemented regulatory frameworks to oversee the sector. In India, earlier legal interpretations distinguished between games of skill and games of chance. The new legislation provides a single treatment for both categories, which marks a departure from previous judicial pronouncements. 

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Conclusion

At present, India’s gaming sector is navigating layoffs, court cases, and a pivot towards esports post the RMG ban. Keeping in mind that the intent of said ban is the protection of citizens, the industry also argues that regulation, instead of prohibition, offers a sustainable approach to the issues. On the other hand, on the global scale, most nations prefer controlled and licensed models that ensure consumer safety and work on preserving both jobs and revenues. However, India’s step is diverging from such a model. The lack of safeguards and engagement in the real money gaming industry led to a prohibition model, underscoring that in sensitive digital sectors, early regulatory alignment is essential.

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References

• India online gaming ban: Global rules & regulation bill 2025
• Level up or game over? Decoding India’s gaming industry post RMG ban
• MPL lays off 350 employees after GST rules, RMG crackdown
• India’s Dream11 hit by online gaming ban, revenue slumps
• Online gaming ban: A23 moves Karnataka HC against government decision
• UK Gambling Commission – Licensing and Regulations
• Fantasy Sports & Gambling Law – State by State
• China’s gaming restrictions for minors
• Singapore Remote Gambling Act – Ministry of Home Affairs
• Australian Communications and Media Authority – Interactive Gambling Act
  
  

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