#FactCheck-RBI's Alleged Guidelines on Ink Colour for Cheque Writing

Introduction

The Telecom Regulatory Authority of India (TRAI) has directed all telcos to set up detection systems based on Artificial Intelligence and Machine Learning (AI/ML) technologies in order to identify and control spam calls and text messages from unregistered telemarketers (UTMs).

The TRAI Directed telcos

The telecom regulator, TRAI, has directed all Access Providers to detect Unsolicited commercial communication (UCC)by systems, which is based on Artificial Intelligence and Machine Learning to detect, identify, and act against senders of Commercial Communication who are not registered in accordance with the provisions of the Telecom Commercial Communication Customer Preference Regulations, 2018 (TCCCPR-2018). Unregistered Telemarketers (UTMs) are entities that do not register with Access Providers and use 10-digit mobile numbers to send commercial communications via SMS or calls.

TRAI steps to curb Unsolicited commercial communication

TRAI has taken several initiatives to reduce Unsolicited Commercial Communication (UCC), which is a major source of annoyance for the public. It has resulted in fewer complaints filed against Registered Telemarketers (RTMs). Despite the TSPs’ efforts, UCC from Unregistered Telemarketers (UTMs) continues. Sometimes, these UTMs use messages with bogus URLs and phone numbers to trick clients into revealing crucial information, leading to financial loss.

To detect, identify, and prosecute all Unregistered Telemarketers (UTMs), the TRAI has mandated that Access Service Providers implement the UCC.

Detect the System with the necessary functionalities within the TRAI’s Telecom Commercial Communication Customer Preference Regulations, 2018 framework.

Access service providers have implemented such detection systems based on their applicability and practicality. However, because UTMs are constantly creating new strategies for sending unwanted communications, the present UCC detection systems provided by Access Service providers cannot detect such UCC.

TRAI also Directs Telecom Providers to Set Up Digital Platform for Customer Consent to Curb Promotional Calls and Messages.

Unregistered Telemarketers (UTMs) sometimes use messages with fake URLs and phone numbers to trick customers into revealing essential information, resulting in financial loss.

TRAI has urged businesses like banks, insurance companies, financial institutions, and others to re-verify their SMS content templates with telcos within two weeks. It also directed telecom companies to stop misusing commercial messaging templates within the next 45 days.

The telecom regulator has also instructed operators to limit the number of variables in a content template to three. However, if any business intends to utilise more than three variables in a content template for communicating with their users, this should be permitted only after examining the example message, as well as adequate justifications and justification.

In order to ensure consistency in UCC Detect System implementations, TRAI has directed all Access Providers to deploy UCC and detect systems based on artificial intelligence and Machine Learning that are capable of constantly evolving to deal with new signatures, patterns, and techniques used by UTMs.

Access Providers have also been directed to use the DLT platform to share intelligence with others. Access Providers have also been asked to ensure that such UCC Detect System detects senders that send unsolicited commercial communications in bulk and do not comply with the requirements. All Access Providers are directed to follow the instructions and provide an update on actions done within thirty days.

The move by TRAI is to curb the menacing calls as due to this, the number of scam cases is increasing, and now a new trend of scams started as recently, a Twitter user reported receiving an automated call from +91 96681 9555 with the message “This call is from Delhi Police.” It then asked her to stay in the queue since some of her documents needed to be picked up. Then he said he works as a sub-inspector at the Kirti Nagar police station in New Delhi. He then inquired whether she had recently misplaced her Aadhaar card, PAN card, or ATM card, to which she replied ‘no’. The scammer then poses as a cop and requests that she authenticate the last four digits of her card because they have found a card with her name on it. And a lot of other people tweeted about it.

Conclusion

TRAI directed the telcos to check the calls and messages from Unregistered numbers. This step of TRAI will curb the pesky calls and messages and catch the Frauds who are not registered with the regulation. Sometimes the unregistered sender sends fraudulent links, and through these fraudulent calls and messages, the sender tries to take the personal information of the customers, which results in financial losses.

Introduction

In the vast expanse of the digital cosmos, where the tendrils of the internet weave an intricate tapestry of connectivity, the channels through which information cascades have become a labyrinth of enigma and complexity. As we traverse this boundless virtual landscape, the line demarcating fact from fiction blurs, leaving the essence of truth adrift in a deluge of data. Amidst this ceaseless flow, platforms such as YouTube, Meta, and Twitter emerge as bulwarks in a pivotal struggle against the insidious spectres of fake news and disinformation—a struggle as fervent and consequential as any historical skirmish over the dominion of truth and influence.

Let us delve into a few case studies that illustrate the multifaceted nature of this digital warfare, where the stakes are nothing less than the integrity of public discourse and the sanctity of societal harmony.

Case 1: A Chief Minister's Stand Against Digital Deception

In the northeastern reaches of India, Assam's Chief Minister, Himanta Biswa Sarma, confronted disinformation head-on. With the spectre of elections looming like a storm on the horizon, he took to the microblogging site X to unveil a nefarious scheme—a doctored video intended to distort his speech and sow seeds of communal discord. 'See for yourself, as elections approach, how vested groups distort a speech with the criminal intention of spreading disinformation and communal disharmony. The long arms of the law will catch up with these elements,' declared Sarma, his words a clarion call for vigilance.

The counterfeit video, crafted to smear the Chief Minister's reputation, elicited a swift and decisive response from Assam's Director General of Police, G.P. Singh. 'Noted Sir. CID Assam would register a criminal case and investigate the people behind this,' assured Singh, signalling the readiness of the law to pursue the purveyors of falsehood.

Case 2: Waves of Deceit: Unverified Claims of Cancellations in the Maldives Tourism Controversy

The narrative shifts to the idyllic archipelago of the Maldives, where the azure waters belie a tumultuous undercurrent of diplomatic discord with India. Following disparaging remarks by Maldivian officials directed at Indian Prime Minister Narendra Modi, the social media sphere became rife with claims of Indian tourists en masse cancelling their sojourns to the island nation. Screenshots purporting to show cancelled bookings flooded platforms like X, with one user claiming to have annulled a reservation at the Palms Retreat, Fulhadhoo, to the tune of at least Rs 5 lakh, citing the officials' 'racist remarks.'

Initial reports from a few media outlets lent credence to this narrative of widespread cancellations. However, upon closer scrutiny, the veracity of these claims crumbled like a sandcastle at high tide. Concrete evidence to substantiate the alleged boycott was conspicuously absent, and neither travel agencies nor airlines corroborated the supposed trend.

The controversy was inflamed when PM Modi's visit to Lakshadweep, and subsequent social media posts praising the archipelago, spurred Indian users to champion Lakshadweep as an alternative to the Maldives. The vitriolic response from Maldivian ministers, who labelled Modi with derogatory remarks, ignited a firestorm on X, with hashtags like #BoycottMaldives and #MaldivesBoycott trending fervently.

Yet, the truth behind the cacophony of cancellation numbers remains shrouded in ambiguity, with no official acknowledgement from either government and a conspicuous absence of data from the tourism industry.

Case 3: Misinformation Highway: Unraveling the Fabrications in Bollywood's rumours or misinformation: Lies, Thumbnails, and Digital Dalliances

Gaze now turns to the bustling fabricated thumbnails or rumour taglines on uploaded videos on YouTube, where thumbnails emblazoned with tantalising texts beckon viewers with the promise of scandalous revelations. 'Pregnant? Divorced?' they shout, luring millions into their web with the allure of salacious 'news.' Yet, these are but mirages, baseless rumours masquerading as fact, or worse, complete fabrications.

The platform teems with counterfeit narratives and rumours, targeting the luminaries of Bollywood. Factors such as easy content uploading without strict scrutiny, a burgeoning digital footprint, and India's insatiable appetite for celebrity culture have created a fertile ground for the proliferation of such content. It is a testament to the power of the digital age, where anyone with a connection can craft a narrative and cast it into the ether, regardless of its foundation in reality.

We must arm ourselves with discernment and scepticism in this relentless onslaught of misinformation. The digital realm, for all its wonders, is also a battleground where the currency is truth, and the price of negligence is the erosion of our collective understanding. As we navigate this ever-evolving landscape, let us hold fast to the principles of verification and evidence, for they are the compass by which we can chart a course through the maelstrom of misinformation that seeks to engulf us.

Conclusion

In this era of digital enlightenment, it is incumbent upon us to discern the chaff from the wheat, to elevate the discourse beyond the mire of falsehoods. Let us endeavour to foster a digital polity that values truth, champions authenticity, and resolutely stands against the tide of disinformation that threatens to undermine the very fabric of our society.

References:

1. https://www.indiatodayne.in/assam/video/assam-cm-exposes-fake-video-scheme-dgp-promises-swift-action-743097-2024-01-08
2. https://www.thequint.com/news/webqoof/boycott-maldives-misinformation-on-trip-booking-cancellations
3. https://www.thequint.com/news/webqoof/bollywood-fake-news-on-youtube-uses-divorce-pregnancy-and-arrests-for-misinformation

Introduction

Bumble’s launch of its ‘Opening Move’ feature has sparked a new narrative on safety and privacy within the digital dating sphere and has garnered mixed reactions from users. It was launched against the backdrop of women stating that the ‘message first’ policy of Bumble was proving to be tedious. Addressing the large-scale review, Bumble launched its ‘Opening Move’ feature, whereby users can either craft or select from pre-set questions which potential matches may choose to answer to start the conversation at first glance. These questions are a segue into meaningful and insightful conversation from the get-go and overstep the traditional effort to start engaging chats between matched users. This feature is an optional feature that users may enable and as such does not prevent a user from exercising the autonomy previously in place.

Innovative Approach to Conversation Starters

Many users consider this feature as innovative; not only does it act as a catalyst for fluid conversation but also cultivates insightful dialogue, fostering meaningful interactions that are devoid of the constraint of superficial small talk. The ‘Opening Moves’ feature may also be aligned with unique scientific research indicating that individuals form their initial attractions within 3-seconds of intimate interaction, thereby proving to be a catalyst to the decision-making process of an individual in the attraction time frame. 

Organizational Benefits and Data Insights

From an organisational standpoint, the feature is a unique solution towards localisation challenges faced by apps; the option of writing a personalised ‘Opening Move’ implies setting prompts that are culturally relevant and appropriate in a specific area. Moreover, it is anticipated that Bumble may enhance and improve user experience within the platform through data analysis. Data from responses to an ‘Opening Move’ may provide valuable insights into user preferences and patterns by analysing which pre-set prompts garner more responses over others and how often is a user-written ‘Opening Move’ successful in obtaining a response in comparison with Bumble’s pre-set prompts. A quick glance at Bumble’s privacy policy[1] shows that data storing and transferring of chats between users are not shared with third parties, further safeguarding personal privacy. However,  Bumble does use the chat data for its own internal purposes after removing personally identifiable information from chats. The manner of such review and removal of data has not been specified, which may raise challenges depending upon whether the reviewer is a human or an algorithm.

However, some users perceive the feature as counterproductive to the company’s principle of ‘women make the first move’. While Bumble aims to market the feature as a neutral ground for matched users based on the exercise of choice, users see it as a step back into the heteronormative gender expectations that most dating apps conform to, putting the onus of the ‘first move’ on men. Many male users have complained that the feature acts as a catalyst for men to opt out of the dating app and would most likely refrain from interacting with profiles enabled with the ‘Opening Move’ feature, since the pressure to answer in a creative manner is disproportionate with the likelihood their response actually being entertained.[2] Coupled with the female users terming the original protocol as ‘too much effort’, the preset questions of the ‘Opening Move’ feature may actively invite users to categorise potential matches according to arbitrary questions that undermine real-life experiences, perspectives and backgrounds of each individual.[3]

Additionally, complications are likely to arise when a notorious user sets a question that indirectly gleans personal or sensitive, identifiable information. The individual responding may be bullied or be subjected to hateful slurs when they respond to such carefully crafted conversation prompts.

Safety and Privacy Concerns

On the corollary, the appearance of choice may translate into more challenges for women on the platform. The feature may spark an increase in the number of unsolicited, undesirable messages and images from a potential match. The most vulnerable groups at present remain individuals who identify as females and other sexual minorities.[4] At present, there appears to be no mechanism in place to proactively monitor the content of responses, relying instead on user reporting. This approach may prove to be impractical given the potential volume of objectionable messages, necessitating a more efficient solution to address this issue. It is to be noted that in spite of a user reporting, the current redressal systems of online platforms remain lax, largely inadequate and demonstrate ineffectiveness in addressing user concerns or grievances. This lack of proactiveness is violative of the right to redressal provided under the Digital Personal Data Protection Act, 2023. It is thought that the feature may actually take away user autonomy that Bumble originally aimed to grant since Individuals who identify as introverted, shy, soft-spoken, or non-assertive may refrain from reporting harassing messages altogether, potentially due to discomfort or reluctance to engage in confrontation. Resultantly, it is anticipated that there would be a sharp uptake in cases pertaining to cyberbullying, harassment and hate speech (especially vulgar communications) towards both the user and the potential match. 

From an Indian legal perspective, dating apps have to adhere to the Information Technology Act, 2000 [5], the Information Technology (Intermediary and Digital Media Ethics) Rules 2021 [6] and the Digital Personal Data Protection Act, 2023, that regulates a person’s digital privacy and set standards on the kind of content an intermediary may host. An obligation is cast upon an intermediary to uprise its users on what content is not allowed on its platform in addition to mandating intimation of the user’s digital rights. The lack of automated checks, as mentioned above, is likely to make Bumble non-compliant with the ethical guidelines. 

The optional nature of the ‘Opening Move’ grants users some autonomy. However, some technical updates may enhance the user experience of this feature. Technologies like AI are an effective aid in behavioural and predictive analysis. An upgraded ‘matching’ algorithm can analyse the number of un-matches a profile receives, thereby identifying and flagging a profile having multiple lapsed matches. Additionally, the design interface of the application bearing a filter option to filter out flagged profiles would enable a user to be cautious while navigating through the matches. Another possible method of weeding out notorious profiles is by deploying a peer-review system of profiles whereby a user has a singular check-box that enables them to flag a profile. Such a checkbox would ideally be devoid of any option for writing personal comments and would bear a check box stating whether the profile is most or least likely to bully/harass. This would ensure that a binary, precise response is recorded and any coloured remarks are avoided. [7]

Governance and Monitoring Mechanisms

From a governance point of view, a monitoring mechanism on the manner of crafting questions is critical. Systems should be designed to detect certain words/sentences and a specific manner of framing sentences to disallow questions contrary to the national legal framework. An onscreen notification having instructions on generally acceptable manner of conversations as a reminder to users to maintain cyber hygiene while conversing is also proposed as a mandated requirement for platforms. The notification/notice may also include guidelines on what information is safe to share in order to safeguard user privacy. Lastly, a revised privacy policy should establish the legal basis for processing responses to ‘Opening Moves’, thereby bringing it in compliance with national legislations such as the Digital Personal Data Protection Act, 2023.

Conclusion

Bumble's 'Opening Move' feature marks the company’s ‘statement’ step to address user concerns regarding initiating conversations on the platform. While it has been praised for fostering more meaningful interactions, it also raises not only ethical concerns but also concerns over user safety. While the 'Opening Move' feature can potentially enhance user experience, its success is largely dependent on Bumble's ability to effectively navigate the complex issues associated with this feature. A more robust monitoring mechanism that utilises newer technology is critical to address user concerns and to ensure compliance with national laws on data privacy.

Endnotes:

• [1] Bumble’s privacy policy https://bumble.com/en-us/privacy  
• [2] Discussion thread, r/bumble, Reddit https://www.reddit.com/r/Bumble/comments/1cgrs0d/women_on_bumble_no_longer_have_to_make_the_first/?share_id=idm6DK7e0lgkD7ZQ2TiTq&utm_content=2&utm_medium=ios_app&utm_name=ioscss&utm_source=share&utm_term=1&rdt=65068 
• [3] Mcrea-Hedley, Olivia, “Love on the Apps: When did Dating Become so Political?”, 8 February 2024 https://www.service95.com/the-politics-of-dating-apps/ 
• [4] Gewirtz-Meydan, A., Volman-Pampanel, D., Opuda, E., & Tarshish, N. (2024). ‘Dating Apps: A New Emerging Platform for Sexual Harassment? A Scoping Review. Trauma, Violence, & Abuse, 25(1), 752-763. https://doi.org/10.1177/15248380231162969 
• [5]  Information Technology Act, 2000 https://www.indiacode.nic.in/bitstream/123456789/13116/1/it_act_2000_updated.pdf 
• [6]  Information Technology (Intermediary Guidelines and Digital Media Ethics) Rules 2021 https://www.meity.gov.in/writereaddata/files/Information%20Technology%20%28Intermediary%20Guidelines%20and%20Digital%20Media%20Ethics%20Code%29%20Rules%2C%202021%20%28updated%2006.04.2023%29-.pdf 
• [7]  Date Confidently: Engaging Features in a Dating App (Use Cases), Consaguous, 10 July 2023 https://www.consagous.co/blog/date-confidently-engaging-features-in-a-dating-app-use-cases  

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