Ransomware Attack on C-Edge Technologies: Implications for Indian Banking

Introduction

We consume news from various sources such as news channels, social media platforms and the Internet etc. In the age of the Internet and social media, the concern of misinformation has become a common issue as there is widespread misinformation or fake news on the Internet and social media platforms.

Misinformation on social media platforms

The wide availability of user-provided content on online social media platforms facilitates the spread of misinformation. With the vast population on social media platforms, the information gets viral and spreads all over the internet. It has become a serious concern as such misinformation, including rumours, morphed images, unverified information, fake news, and planted stories, spread easily on the internet, leading to severe consequences such as public riots, lynching, communal tensions, misconception about facts, defamation etc.

Platform-centric measures to mitigate the spread of misinformation

• Google introduced the ‘About this result’ feature’. This allows the users to help with better understand the search results and websites at a glance.
• During the covid-19 pandemic, there were huge cases of misinformation being shared. Google, in April 2020, invested $6.5 million in funding to fact-checkers and non-profits fighting misinformation around the world, including a check on information related to coronavirus or on issues related to the treatment, prevention, and transmission of Covid-19.
• YouTube also have its Medical Misinformation Policy which prevents the spread of information or content which is in contravention of the World Health Organization (WHO) or local health authorities.
• At the time of the Covid-19 pandemic, major social media platforms such as Facebook and Instagram have started showing awareness pop-ups which connected people to information directly from the WHO and regional authorities.
• WhatsApp has a limit on the number of times a WhatsApp message can be forwarded to prevent the spread of fake news. And also shows on top of the message that it is forwarded many times. WhatsApp has also partnered with fact-checking organisations to make sure to have access to accurate information.
• On Instagram as well, when content has been rated as false or partly false, Instagram either removes it or reduces its distribution by reducing its visibility in Feeds.

Fight Against Misinformation

Misinformation is rampant all across the world, and the same needs to be addressed at the earliest. Multiple developed nations have synergised with tech bases companies to address this issue, and with the increasing penetration of social media and the internet, this remains a global issue. Big tech companies such as Meta and Google have undertaken various initiatives globally to address this issue. Google has taken up the initiative to address this issue in India and, in collaboration with Civil Society Organisations, multiple avenues for mass-scale awareness and upskilling campaigns have been piloted to make an impact on the ground.

How to prevent the spread of misinformation?

Conclusion

In the digital media space, there is a widespread of misinformative content and information. Platforms like Google and other social media platforms have taken proactive steps to prevent the spread of misinformation. Users should also act responsibly while sharing any information. Hence creating a safe digital environment for everyone.

In the vast, uncharted territories of the digital world, a sinister phenomenon is proliferating at an alarming rate. It's a world where artificial intelligence (AI) and human vulnerability intertwine in a disturbing combination, creating a shadowy realm of non-consensual pornography. This is the world of deepfake pornography, a burgeoning industry that is as lucrative as it is unsettling.

According to a recent assessment, at least 100,000 deepfake porn videos are readily available on the internet, with hundreds, if not thousands, being uploaded daily. This staggering statistic prompts a chilling question: what is driving the creation of such a vast number of fakes? Is it merely for amusement, or is there a more sinister motive at play?

Recent Trends and Developments 

An investigation by India Today’s Open-Source Intelligence (OSINT) team reveals that deepfake pornography is rapidly morphing into a thriving business. AI enthusiasts, creators, and experts are extending their expertise, investors are injecting money, and even small financial companies to tech giants like Google, VISA, Mastercard, and PayPal are being misused in this dark trade. Synthetic porn has existed for years, but advances in AI and the increasing availability of technology have made it easier—and more profitable—to create and distribute non-consensual sexually explicit material. The 2023 State of Deepfake report by Home Security Heroes reveals a staggering 550% increase in the number of deepfakes compared to 2019. 

What’s the Matter with Fakes? 

But why should we be concerned about these fakes? The answer lies in the real-world harm they cause. India has already seen cases of extortion carried out by exploiting deepfake technology. An elderly man in UP’s Ghaziabad, for instance, was tricked into paying Rs 74,000 after receiving a deep fake video of a police officer. The situation could have been even more serious if the perpetrators had decided to create deepfake porn of the victim.

The danger is particularly severe for women. The 2023 State of Deepfake Report estimates that at least 98 percent of all deepfakes is porn and 99 percent of its victims are women. A study by Harvard University refrained from using the term “pornography” for creating, sharing, or threatening to create/share sexually explicit images and videos of a person without their consent. “It is abuse and should be understood as such,” it states.

Based on interviews of victims of deepfake porn last year, the study said 63 percent of participants talked about experiences of “sexual deepfake abuse” and reported that their sexual deepfakes had been monetised online. It also found “sexual deepfake abuse to be particularly harmful because of the fluidity and co-occurrence of online offline experiences of abuse, resulting in endless reverberations of abuse in which every aspect of the victim’s life is permanently disrupted”.

Creating deepfake porn is disturbingly easy. There are largely two types of deepfakes: one featuring faces of humans and another featuring computer-generated hyper-realistic faces of non-existing people. The first category is particularly concerning and is created by superimposing faces of real people on existing pornographic images and videos—a task made simple and easy by AI tools.

During the investigation, platforms hosting deepfake porn of stars like Jennifer Lawrence, Emma Stone, Jennifer Aniston, Aishwarya Rai, Rashmika Mandanna to TV actors and influencers like Aanchal Khurana, Ahsaas Channa, and Sonam Bajwa and Anveshi Jain were encountered. It takes a few minutes and as little as Rs 40 for a user to create a high-quality fake porn video of 15 seconds on platforms like FakeApp and FaceSwap.

The Modus Operandi 

These platforms brazenly flaunt their business association and hide behind frivolous declarations such as: the content is “meant solely for entertainment” and “not intended to harm or humiliate anyone”. However, the irony of these disclaimers is not lost on anyone, especially when they host thousands of non-consensual deepfake pornography.

As fake porn content and its consumers surge, deepfake porn sites are rushing to forge collaborations with generative AI service providers and have integrated their interfaces for enhanced interoperability. The promise and potential of making quick bucks have given birth to step-by-step guides, video tutorials, and websites that offer tools and programs, recommendations, and ratings.

Nearly 90 per cent of all deepfake porn is hosted by dedicated platforms that charge for long-duration premium fake content and for creating porn—of whoever a user wants, and take requests for celebrities. To encourage them further, they enable creators to monetize their content.

One such website, Civitai, has a system in place that pays “rewards” to creators of AI models that generate “images of real people'', including ordinary people. It also enables users to post AI images, prompts, model data, and LoRA (low-rank adaptation of large language models) files used in generating the images. Model data designed for adult content is gaining great popularity on the platform, and they are not only targeting celebrities. Common people are equally susceptible.

Access to premium fake porn, like any other content, requires payment. But how can a gateway process payment for sexual content that lacks consent? It seems financial institutes and banks are not paying much attention to this legal question. During the investigation, many such websites accepting payments through services like VISA, Mastercard, and Stripe were found.

Those who have failed to register/partner with these fintech giants have found a way out. While some direct users to third-party sites, others use personal PayPal accounts to manually collect money in the personal accounts of their employees/stakeholders, which potentially violates the platform's terms of use that ban the sale of “sexually oriented digital goods or content delivered through a digital medium.”

 Among others, the MakeNude.ai web app – which lets users “view any girl without clothing” in “just a single click” – has an interesting method of circumventing restrictions around the sale of non-consensual pornography. The platform has partnered with Ukraine-based Monobank and Dublin’s BetaTransfer Kassa which operates in “high-risk markets”.

BetaTransfer Kassa admits to serving “clients who have already contacted payment aggregators and received a refusal to accept payments, or aggregators stopped payments altogether after the resource was approved or completely freeze your funds”. To make payment processing easy, MakeNude.ai seems to be exploiting the donation ‘jar’ facility of Monobank, which is often used by people to donate money to Ukraine to support it in the war against Russia.

The Indian Scenario 

India currently is on its way to design dedicated legislation to address issues arising out of deepfakes. Though existing general laws requiring such platforms to remove offensive content also apply to deepfake porn. However, persecution of the offender and their conviction is extremely difficult for law enforcement agencies as it is a boundaryless crime and sometimes involves several countries in the process.

A victim can register a police complaint under provisions of Section 66E and Section 66D of the IT Act, 2000. Recently enacted Digital Personal Data Protection Act, 2023 aims to protect the digital personal data of users. Recently Union Government issued an advisory to social media intermediaries to identify misinformation and deepfakes. Comprehensive law promised by Union IT minister Ashwini Vaishnav will be able to address these challenges.

Conclusion 

In the end, the unsettling dance of AI and human vulnerability continues in the dark web of deepfake pornography. It's a dance that is as disturbing as it is fascinating, a dance that raises questions about the ethical use of technology, the protection of individual rights, and the responsibility of financial institutions. It's a dance that we must all be aware of, for it is a dance that affects us all.

References

• https://www.indiatoday.in/india/story/deepfake-porn-artificial-intelligence-women-fake-photos-2471855-2023-12-04
• https://www.hindustantimes.com/opinion/the-legal-net-to-trap-peddlers-of-deepfakes-101701520933515.html
• https://indianexpress.com/article/opinion/columns/with-deepfakes-getting-better-and-more-alarming-seeing-is-no-longer-believing/

Introduction

All citizens are using tech to their advantage, and so we see a lot of upskilling among the population leading to innovation in India. As we go deeper into cyberspace, we must maintain our cyber security efficiently and effectively. When bad actors use technology to their advantage, we often see data loss or financial loss of the victim, In this blog, we will shine light upon two new forms of cyber attacks, causing havoc upon the innocent. The “Daam” Malware and a new malicious app are the two new issues.

Daam Botnet

Since 2021, the DAAM Android botnet has been used to acquire unauthorised access to targeted devices. Cybercriminals use it to carry out different destructive actions. Using the DAAM Android botnet’s APK binding service, threat actors can combine malicious code with a legitimate application. Keylogging, ransomware, VOIP call records, runtime code execution, browser history collecting, incoming call recording, PII data theft, phishing URL opening, photo capture, clipboard data theft, WiFi and data status switching, and browser history gathering are just a few of the functions offered by the DAAM Android botnet. The DAAM botnet tracks user activity using the Accessibility Service and stores keystrokes it has recorded together with the name of the programme package in a database. It also contains a ransomware module that encrypts and decrypts data on the infected device using the AES method.

Additionally, the botnet uses the Accessibility service to monitor the VOIP call-making features of social media apps like WhatsApp, Skype, Telegram, and others. When a user engages with these elements, the virus begins audio recording.

The Malware

CERT-IN, the central nodal institution that reacts to computer security-related issues, claims that Daam connects with various Android APK files to access a phone. The files on the phone are encrypted using the AES encryption technique, and it is distributed through third-party websites.

It is claimed that the malware can damage call recordings and contacts, gain access to the camera, change passwords, take screenshots, steal SMS, download/upload files, and perform a variety of other things.

Safeguards and Guidelines by Cert-In

Cert-In has released the guideline for combating malware. These were issued in the public interest. The recommendations by Cert-In are as follows-

Only download from official app stores to limit the risk of potentially harmful apps.

Before downloading an app, always read the details and user reviews; likewise, always give permissions that are related to the program’s purpose.

Install Android updates solely from Android device vendors as they become available.

Avoid visiting untrustworthy websites or clicking on untrustworthy

Install and keep anti-virus and anti-spyware software up to date.

Be cautious if you see mobile numbers that appear to be something other than genuine/regular mobile numbers.

Conduct sufficient investigation Before clicking on a link supplied in a communication.

Only click on URLs that clearly display the website domain; avoid abbreviated URLs, particularly those employing bit.ly and tinyurl.

Use secure browsing technologies and filtering tools in antivirus, firewall, and filtering services.

Before providing sensitive information, look for authentic encryption certificates by looking for the green lock in your browser’s URL information, look for authentic encryption certificates by looking for the green lock in your browser’s URL bar.

Any ‘strange’ activity in a user’s bank account must be reported immediately to the appropriate bank.

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New Malicious App

From the remote parts of Jharkhand, a new form of malicious application has been circulated among people on the pretext of a bank account closure. The bad actors have always used messaging platforms like Whatsapp and Telegram to circulate malicious links among unaware and uneducated people to dupe them of their hard-earned money.

They send an ordinary-looking message on Whatsapp or Telegram where they mention that the user has a bank account at ICICI bank and, due to irregularity with the credentials, their account is being deactivated. Further, they ask users to update their PAN card to reactivate their account by uploading the PAN card on an application. This app, in turn, is a malicious app that downloads all the user’s personal credentials and shares them with the bad actors via text message, allowing them to bypass banks’ two-factor authentication and drain the money from their accounts. The Jharkhand Police Cyber Cells have registered numerous FIRs pertaining to this type of cybercrime and are conducting full-scale investigations to apprehend the criminals.

Conclusion

Malware and phishing attacks have gained momentum in the previous years and have become a major contributor to the tally of cybercrimes in the country. DaaM malware is one of the examples brought into light due to the timely action by Cert-In, but still, a lot of such malware are deployed by bad actors, and we as netizens need to use our best practices to keep such criminals at bay. Phishing crimes are often substantiated by exploiting vulnerabilities and social engineering. Thus working towards a rise in awareness is the need of the hour to safeguard the population by and large.