#FactCheck- Doctored Audio in News18 Video Fuels False ‘Operation Sindoor’ Claim

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: 

‍

‍

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

‍

App Permission 

‍

‍

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.

‍

‍

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.

‍

Introduction

Lost your phone? How to track and block your lost or stolen phone? Fear not, Say hello to Sanchar Saathi, the newly launched portal by the government. The smartphone has become an essential part of our daily life, our lots of personal data are stored in our smartphones, and if a phone is lost or stolen, it can be a frustrating experience. With the government initiative launching Sanchar Saathi Portal, you can now track and block your lost or stolen smartphone. The Portal uses a central equipment identity register to help users block their lost phones. It helps you track your lost and stolen smartphone. So now, say hello to Sanchar Saathi, the newly launched portal by the government. Users should keep an FIR copy of their lost/stolen smartphone handy for using certain features of the portal. FIR copy is also required for tracking the phone on the website. This portal allows users to track lost/stolen smartphones, and they can block the device across all telecom networks.

Preventing Data Leakage and Mobile Phone Theft

When you lose your phone or your phone is stolen, you worry as your smartphone holds your various personal sensitive information such as your bank account information, UPI IDs, and social media accounts such as WhatsApp, which cause a serious concern of data leakage and misuse in such a situation. Sanchar saathi portal addresses this problem and serves as a platform for blocking data saved on a lost or stolen device. This feature protects the users against financial fraud, identity thrift, and data leakage by blocking access to your lost or stolen device and ensuring that unauthorised parties cannot access or abuse important information.

How the Sanchar Saathi Portal Works

To file a complaint regarding their lost or stolen smartphones the users are required to provide IMEI (International Mobile Equipment Identity) number. The official website of the portal is https://sancharsaathi.gov.in/ users can access the “Citizen Centric Services” option on the homepage. Then users may, by clicking on “Block Your Lost/Stolen Mobile”, can fill out the form. Users need to fill in details such as IMEI number, contact number, model number of the smartphone, mobile purchase invoice, and information such as the date, time, district, and state where the device was lost or stolen. Users must keep a copy of the FIR handy and fill in their personal information, such as their name, email address, and residence. After completing and selecting the ‘Complete tab’, the form will be submitted, and access to the lost/stolen smartphone will be blocked.

Enhancing Security with SIM Card Verification

Using this portal, users can access their associated sim card numbers and block any unauthorised use. In this way portal allows owners to take immediate action if their sim card is being used or misused by someone else. The Sanchar Saathi Portal allows you to check the status of active SIM cards registered under an individual’s name. And it is an extra security feature provided by the portal. This proactive strategy helps users to safeguard their personal information against possible abuse and identity theft.

Advantages of the Sanchar Saathi Portal

The Sanchar Saathi platform offers various benefits for reducing mobile phone theft and protecting personal data.  The portal offers a simplified and user-friendly platform for making complaints. The online complaint tracking function keeps consumers informed of the status of their complaints, increasing transparency and accountability.

The portal allows users to block access to personal data on lost/stolen smartphones which reduces the chances or potential risk of data leakage.

The portal SIM card verification feature acts as an extra layer of security, enabling users to monitor any unauthorised use of their personal information. This proactive approach empowers users to take immediate action if they detect any suspicious activity, preventing further damage to their personal data.

Conclusion

Our smartphones store large amounts of sensitive information and Data, so it becomes crucial to protect our smartphones from any unauthorised access, especially in case when the smartphone is lost or stolen. The Sanchar Saathi portal is a commendable step by the government by offering a comprehensive solution to combat mobile phone theft and protect personal data, the portal contributes to a safer digital environment for smartphone users.

The portal provides the option of blocking access to your lost/stolen device and also checking the SIM card verification. These features of the portal empower users to take control of their data security. In this way, the portal contributes to preventing mobile phone theft and data leakage.

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 

‍