Mobile Internet Accessibility and its Impact on Misinformation Spread
Introduction
Smartphones have revolutionised human connectivity. In 2023, it was estimated that almost 96% of the global digital population is accessing the internet via their mobile phones and India alone has 1.05 billion users. Information consumption has grown exponentially due to the enhanced accessibility that these mobiles provide. These devices allow accessibility to information no matter where one is, and have completely transformed how we engage with the world around us, be it to skim through work emails while commuting, video streaming during breaks, reading an ebook at our convenience or even catching up on news at any time or place. Mobile phones grant us instant access to the web and are always within reach.
But this instant connection has its downsides too, and one of the most worrying of these is the rampant rise of misinformation. These tiny screens and our constant, on-the-go dependence on them can be directly linked to the spread of “fake news,” as people consume more and more content in rapid bursts, without taking the time to really process the same or think deeply about its authenticity. There is an underlying cultural shift in how we approach information and learning currently: the onslaught of vast amounts of “bite-sized information” discourages people from researching what they’re being told or shown. The focus has shifted from learning deeply to consuming more and sharing faster. And this change in audience behaviour is making us vulnerable to misinformation, disinformation and unchecked foreign influence.
The Growth of Mobile Internet Access
More than 5 billion people are connected to the internet and web traffic is increasing rapidly. The developed countries in North America and Europe are experiencing mobile internet penetration at a universal rate. Contrastingly, the developing countries of Africa, Asia, and Latin America are experiencing rapid growth in this penetration. The introduction of affordable smartphones and low-cost mobile data plans has expanded access to internet connectivity. 4G and 5G infrastructure development have further bridged any connectivity gaps. This widespread access to the mobile internet has democratised information, allowing millions of users to participate in the digital economy. Access to educational resources while at the same time engaging in global conversations is one such example of the democratisation of information. This reduces the digital divide between diverse groups and empowers communities with unprecedented access to knowledge and opportunities.
The Nature of Misinformation in the Mobile Era
Misinformation spread has become more prominent in recent times and one of the contributing factors is the rise of mobile internet. This instantaneous connection has made social media platforms like Facebook, WhatsApp, and X (formerly Twitter) available on a single compact and portable device. These social media platforms enable users to share content instantly and to a wide user base, many times without verifying its accuracy. The virality of social media sharing, where posts can reach thousands of users in seconds, accelerates the spread of false information. This ease of sharing, combined with algorithms that prioritise engagement, creates a fertile ground for misinformation to flourish, misleading vast numbers of people before corrections or factual information can be disseminated.
Some of the factors that are amplifying misinformation sharing through mobile internet are algorithmic amplification which prioritises engagement, the ease of sharing content due to instant access and user-generated content, the limited media literacy of users and the echo chambers which reinforce existing biases and spread false information.
Gaps and Challenges due to the increased accessibility of Mobile Internet
Despite growing concerns about misinformation spread due to mobile internet, policy responses remain inadequate, particularly in developing countries. These gaps include: the lack of algorithm regulation, as social media platforms prioritise engaging content, often fueling misinformation. Inadequate international cooperation further complicates enforcement, as addressing the cross-border nature of misinformation has been a struggle for national regulations.
Additionally, balancing content moderation with free speech remains challenging, with efforts to curb misinformation sometimes leading to concerns over censorship.
Finally, a deficit in media literacy leaves many vulnerable to false information. Governments and international organisations must prioritise public education to equip users with the required skills to evaluate online content, especially in low-literacy regions.
CyberPeace Recommendations
Addressing misinformation via mobile internet requires a collaborative, multi-stakeholder approach.
- Governments should mandate algorithm transparency, ensuring social media platforms disclose how content is prioritised and give users more control.
- Collaborative fact-checking initiatives between governments, platforms, and civil society could help flag or correct false information before it spreads, especially during crises like elections or public health emergencies.
- International organisations should lead efforts to create standardised global regulations to hold platforms accountable across borders.
- Additionally, large-scale digital literacy campaigns are crucial, teaching the public how to assess online content and avoid misinformation traps.
Conclusion
Mobile internet access has transformed information consumption and bridged the digital divide. At the same time, it has also accelerated the spread of misinformation. The global reach and instant nature of mobile platforms, combined with algorithmic amplification, have created significant challenges in controlling the flow of false information. Addressing this issue requires a collective effort from governments, tech companies, and civil society to implement transparent algorithms, promote fact-checking, and establish international regulatory standards. Digital literacy should be enhanced to empower users to assess online content and counter any risks that it poses.
References
- https://www.statista.com/statistics/1289755/internet-access-by-device-worldwide/
- https://www.forbes.com/sites/kalevleetaru/2019/05/01/are-smartphones-making-fake-news-and-disinformation-worse/
- https://www.pewresearch.org/short-reads/2019/03/07/7-key-findings-about-mobile-phone-and-social-media-use-in-emerging-economies/ft_19-02-28_globalmobilekeytakeaways_misinformation/
- https://www.psu.edu/news/research/story/slow-scroll-users-less-vigilant-about-misinformation-mobile-phones
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Introduction
In the multifaceted world of international trade and finance, cross-border transactions constitute the heart of economic relationships that span the globe. The threads that intertwine forming the fabric of global commerce are ceaselessly dynamic and exhibit an intricate pattern of complexity especially when it comes to the regulated movement of capital. It's a domain where economies connect, where businesses engage in sublime commerce, and where technology and regulation intersect at critical juncture. These guidelines will play a critical role in the regulation of capital, fortification of financial integrity, and transparency of regulatory and cross-border payments. The key highlights of this regulation include strict pre-authorization for non-bank entities, mandating specific accounts for import and export PA-CBs and a transaction ceiling of 25,00,000 Rupees.
The Vigilance of RBI
The Reserve Bank of India (RBI), ever vigilant in its shepherding role over the nation's financial stability and integrity, has taken decisive strides to dispel the haze that once clouded this critical sector. With the issuance of a revelatory circular dated October 31, 2023, the RBI has unveiled a groundbreaking framework that redefines the terrain for these pivotal financial entities, aptly christened as Payment Aggregators – Cross Border (PA-CB). In deploying this comprehensive array of regulations, the RBI demonstrates a robust commitment to harmonizing and synchronizing the oversight of payments within the country's financial fabric, extending its meticulous regulatory weave from domestic Payment Aggregators (PAs) to the PA-CBs, a sector previously undistinguished in formal oversight.
The prescriptive measures announced by the RBI are nothing short of a regulatory beacon that cuts through the fog of uncertainty, illuminating a clear path forward for entities dedicated to facilitating cross-border payment transactions pertaining to the import and export of permissible goods and services in India through online modes. Inclusiveness is a hallmark of the RBI’s directive, encompassing a diverse cadre of financial actors, ranging from Authorized Dealer (AD) banks and conventional Payment Aggregators (PAs), to the emergent breed of PA-CBs actively engaged in processing these critical international payment transactions.
Key Aspects of Regulation
One of the most striking aspects of this new regulatory regime is the RBI's insistence on pre-authorization. All non-bank entities providing PA-CB services are impelled to apply to the apex bank for authorisation by April 30, 2024. This is far from a perfunctory gesture; it represents a profound departure from the bygone era when these entities functioned under a patchwork of provisional guidelines and ad-hoc circulars. Indeed, with this resolute move, the RBI signals its intention to embrace these entities within its direct regulatory gambit, an acknowledgement of the shifting tides and progressive intricacies characteristic of cross-border payments.
The tapestry of new rules is complex, setting forth an array of prerequisites for entities aspiring for authorization. For instance, non-bank PA-CBs are obliged to register with the Financial Intelligence Unit-India (FIU-IND) as a preliminary step before commencing the application process. Moreover, the financial benchmarks set are notably rigorous. Non-banks must boast a minimum net worth of ₹15 crores at the time of the application—a figure that escalates to a robust ₹25 crores by the fiscal deadline of March 31, 2026.
Way Forward
As if these requirements weren't indicative enough of the RBI’s penchant for detail and precision, the guidelines become yet more granular when addressing specific types of PA-CBs. Import-only PA-CBs are mandatorily obliged to maintain an Import Collection Account (ICA) with an AD Category-I scheduled commercial bank, while export-only PA-CBs are instructed to maintain an Export Collection Account (ECA), which can be maintained in Indian Rupees (INR) or any permissible foreign currency. The nuance here is palpable; payments for import transactions must be received in a meticulously managed escrow account of the PA, prior to being funneled into the ICA for smooth settlement with overseas merchants.
Conversely, export-only PA-CBs' proceeds from international sales must be swiftly credited to the relevant currency ECA. This meticulous accounting ensures that the flow of funds is both transparent and traceable, adhering to the utmost standards of financial probity.
Yet, perhaps the most emphatic of the RBI's pronouncements is the establishment of a transaction ceiling. PA-CBs have their per-transaction limit capped at ₹25,00,000 for each unit of goods or services exchanged. This calculated move is transparent in its objective to mitigate risk—a crucial aspect when one considers the potential implications of these transactions on the country’s fiscal health and the integrity of its financial systems.
It is no exaggeration to declare that with these guidelines, the RBI is effectuating a seismic shift in the regulation of cross-border payment transactions. There's a fundamental transformation taking place—a metamorphosis—from a loosely defined existence of PA-CBs to one of distinct clarity, under the direct and unswerving supervisory gaze of the regulator. The compliance burden, indeed, has become heavier, yet the return is a compass that points decisively towards secure harbours.
As we embark upon the fresh horizons that these rules bring into view, it is imperative to acknowledge that the RBI's regulatory innovations represent far more than a mere codification of dos and don'ts. They embody a visionary stride towards safeguarding and fortifying the architecture of international payments, a critical component of India's burgeoning presence on the world economic stage.
Conclusion
The journey ahead, as we navigate these newly charted waters with the RBI's guidelines as our steadfast North Star, will no doubt be replete with challenges, adaptations and learning curves for the array of operational entities. But it is with confidence we can say, the path is set; the map is clear. The complex labyrinth of cross-border financial transactions is now demystified, and the RBI's clarion call beckons us towards a future marked by regulation, security, and above all else, reliability in the cosmopolitan tapestry of global trade. RBI’s guidelines provide a comprehensive framework for standardizing cross-border financial transactions in India. This decision is a monumental step towards maintaining cyber peace in cyberspace.
References:
- https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12561&Mode=0
- https://www2.deloitte.com/in/en/pages/tax/articles/tax-alert-Regulation-of-payment-aggregator-cross-border-pa-cb.html
- https://www.jsalaw.com/newsletters-and-updates/rbis-new-guidelines-to-govern-payment-aggregators-in-cross-border-transactions/
Introduction
Misinformation is rampant all over the world and impacting people at large. In 2023, UNESCO commissioned a survey on the impact of Fake News which was conducted by IPSOS. This survey was conducted in 16 countries that are to hold national elections in 2024 with a total of 2.5 billion voters and showed how pressing the need for effective regulation had become and found that 85% of people are apprehensive about the repercussions of online disinformation or misinformation. UNESCO has introduced a plan to regulate social media platforms in light of these worries, as they have become major sources of misinformation and hate speech online. This action plan is supported by the worldwide opinion survey, highlighting the urgent need for strong actions. The action plan outlines the fundamental principles that must be respected and concrete measures to be implemented by all stakeholders associated, i.e., government, regulators, civil society and the platforms themselves.
The Key Areas in Focus of the Action Plan
The focus area of the action plan is on the protection of the Freedom of Expression while also including access to information and other human rights in digital platform governance. The action plan works on the basic premise that the impact on human rights becomes the compass for all decision-making, at every stage and by every stakeholder. Groups of independent regulators work in close coordination as part of a wider network, to prevent digital companies from taking advantage of disparities between national regulations. Moderation of content as a feasible and effective option at the required scale, in all regions and all languages.
The algorithms of these online platforms, particularly the social media platforms are established, but it is too often geared towards maximizing engagement rather than the reliability of information. Platforms are required to take on more initiative to educate and train users to be critical thinkers and not just hopers. Regulators and platforms are in a position to take strong measures during particularly sensitive conditions ranging from elections to crises, particularly the information overload that is taking place.
Key Principles of the Action Plan
- Human Rights Due Diligence: Platforms are required to assess their impact on human rights, including gender and cultural dimensions, and to implement risk mitigation measures. This would ensure that the platforms are responsible for educating users about their rights.
- Adherence to International Human Rights Standards: Platforms must align their design, content moderation, and curation with international human rights standards. This includes ensuring non-discrimination, supporting cultural diversity, and protecting human moderators.
- Transparency and Openness: Platforms are expected to operate transparently, with clear, understandable, and auditable policies. This includes being open about the tools and algorithms used for content moderation and the results they produce.
- User Access to Information: Platforms should provide accessible information that enables users to make informed decisions.
- Accountability: Platforms must be accountable to their stakeholders which would include the users and the public, which would ensure that redressal for content-related decisions is not compromised. This accountability extends to the implementation of their terms of service and content policies.
Enabling Environment for the application of the UNESCO Plan
The UNESCO Action Plan to counter misinformation has been created to create an environment where freedom of expression and access to information flourish, all while ensuring safety and security for digital platform users and non-users. This endeavour calls for collective action—societies as a whole must work together. Relevant stakeholders, from vulnerable groups to journalists and artists, enable the right to expression.
Conclusion
The UNESCO Action Plan is a response to the dilemma that has been created due to the information overload, particularly, because the distinction between information and misinformation has been so clouded. The IPSOS survey has revealed the need for an urgency to address these challenges in the users who fear the repercussions of misinformation.
The UNESCO action plan provides a comprehensive framework that emphasises the protection of human rights, particularly freedom of expression, while also emphasizing the importance of transparency, accountability, and education in the governance of digital platforms as a priority. By advocating for independent regulators and encouraging platforms to align with international human rights standards, UNESCO is setting the stage for a more responsible and ethical digital ecosystem.
The recommendations include integrating regulators through collaborations and promoting global cooperation to harmonize regulations, expanding the Digital Literacy campaign to educate users about misinformation risks and online rights, ensuring inclusive access to diverse content in multiple languages and contexts, and monitoring and refining tech advancements and regulatory strategies as challenges evolve. To ultimately promote a true online information landscape.
Reference
- https://www.unesco.org/en/articles/online-disinformation-unesco-unveils-action-plan-regulate-social-media-platforms
- https://www.unesco.org/sites/default/files/medias/fichiers/2023/11/unesco_ipsos_survey.pdf
- https://dig.watch/updates/unesco-sets-out-strategy-to-tackle-misinformation-after-ipsos-survey
SVIMS Director and Vice-Chancellor B. Vengamma lighting a lamp to formally launch the cybercrime awareness programme conducted by the police department for the medical students in Tirupati on Wednesday.
An awareness meet on safe Internet practices was held for the students of Sri Venkateswara University University (SVU) and Sri Venkateswara Institute of Medical Sciences (SVIMS) here on Wednesday.
“Cyber criminals on the prowl can easily track our digital footprint, steal our identity and resort to impersonation,” cyber expert I.L. Narasimha Rao cautioned the college students.
Addressing the students in two sessions, Mr. Narasimha Rao, who is a Senior Manager with CyberPeace Foundation, said seemingly common acts like browsing a website, and liking and commenting on posts on social media platforms could be used by impersonators to recreate an account in our name.
Turning to the youth, Mr. Narasimha Rao said the incognito mode and Virtual Private Network (VPN) used as a protected network connection do not ensure total privacy as third parties could still snoop over the websites being visited by the users. He also cautioned them tactics like ‘phishing’, ‘vishing’ and ‘smishing’ being used by cybercriminals to steal our passwords and gain access to our accounts.
“After cracking the whip on websites and apps that could potentially compromise our security, the Government of India has recently banned 232 more apps,” he noted.
Additional Superintendent of Police (Crime) B.H. Vimala Kumari appealed to cyber victims to call 1930 or the Cyber Mitra’s helpline 9121211100. SVIMS Director B. Vengamma stressed the need for caution with smartphones becoming an indispensable tool for students, be it for online education, seeking information, entertainment or for conducting digital transactions.
