Securing Digital Banking: RBI Mandates Migration to [.]bank[.]in Domains
Introduction
The Reserve Bank of India (RBI) has mandated banks to switch their digital banking domains to 'Bank.in' by October 31, 2025, as part of a strategy to modernise the sector and maintain consumer confidence. The move is expected to provide a consistent and secure interface for online banking, as a response to the increasing threats posed by cybercriminals who exploit vulnerabilities in online platforms. The RBI's directive is seen as a proactive measure to address the growing concerns over cybersecurity in the banking sector.
RBI Circular - Migration to '.bank.in' domain
The official circular released by the RBI dated April 22, 2025, read as follows:
“It has now been decided to operationalise the ‘. bank.in’ domain for banks through the Institute for Development and Research in Banking Technology (IDRBT), which has been authorised by National Internet Exchange of India (NIXI), under the aegis of the Ministry of Electronics and Information Technology (MeitY), to serve as the exclusive registrar for this domain. Banks may contact IDRBT at sahyog@idrbt.ac.in to initiate the registration process. IDRBT shall guide the banks on various aspects related to application process and migration to new domain.”
“All banks are advised to commence the migration of their existing domains to the ‘.bank.in’ domain and complete the process at the earliest and in any case, not later than October 31, 2025.”
CyberPeace Outlook
The Reserve Bank of India's directive mandating banks to shift to the 'Bank.in' domain by October 31, 2025, represents a strategic and forward-looking measure to modernise the nation’s digital banking infrastructure. With this initiative, the RBI is setting a new benchmark in cybersecurity by creating a trusted, exclusive domain that banks must adopt. This move will drastically reduce cyber threats, phishing attacks, and fake banking websites, which have been major sources of financial fraud. This fixed domain will simplify verification for consumers and tech platforms to more easily identify legitimate banking websites and apps. Furthermore, a strong drop in online financial fraud will have a long-term effect by this order. Since phishing and domain spoofing are two of the most prevalent forms of cybercrime, a shift to a strictly regulated domain name system will remove the potential for lookalike URLs and fraudulent websites that mimic banks. As India’s digital economy grows, RBI’s move is timely, essential, and future-ready.
References
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A video circulating on social media shows a man allegedly rolling out bhature on his stomach and then frying them in a pan. The clip is being shared with a communal narrative, with users making derogatory remarks while falsely linking the act to a particular community.
CyberPeace Foundation’s research found the viral claim to be false. Our probe confirms that the video is not real but has been created using artificial intelligence (AI) tools and is being shared online with a misleading and communal angle.
Claim
On January 5, 2025, several users shared the viral video on social media platform X (formerly Twitter). One such post carried a communal caption suggesting that the person shown in the video does not belong to a particular community and making offensive remarks about hygiene and food practices..
- The post link and archived version can be viewed here: https://x.com/RightsForMuslim/status/2008035811804291381
- Archive Link: https://archive.ph/lKnX5

Fact Check:
Upon closely examining the viral video, several visual inconsistencies and unnatural movements were observed, raising suspicion about its authenticity. These anomalies are commonly associated with AI-generated or digitally manipulated content.
To verify this, the video was analysed using the AI detection tool HIVE Moderation. According to the tool’s results, the video was found to be 97 percent AI-generated, strongly indicating that it was not recorded in real life but synthetically created.

Conclusion
CyberPeace Foundation’s research clearly establishes that the viral video is AI-generated and does not depict a real incident. The clip is being deliberately shared with a false and communal narrative to mislead users and spread misinformation on social media. Users are advised to exercise caution and verify content before sharing such sensational and divisive material online.

Introduction
The advent of AI-driven deepfake technology has facilitated the creation of explicit counterfeit videos for sextortion purposes. There has been an alarming increase in the use of Artificial Intelligence to create fake explicit images or videos for sextortion.
What is AI Sextortion and Deepfake Technology
AI sextortion refers to the use of artificial intelligence (AI) technology, particularly deepfake algorithms, to create counterfeit explicit videos or images for the purpose of harassing, extorting, or blackmailing individuals. Deepfake technology utilises AI algorithms to manipulate or replace faces and bodies in videos, making them appear realistic and often indistinguishable from genuine footage. This enables malicious actors to create explicit content that falsely portrays individuals engaging in sexual activities, even if they never participated in such actions.
Background on the Alarming Increase in AI Sextortion Cases
Recently there has been a significant increase in AI sextortion cases. Advancements in AI and deepfake technology have made it easier for perpetrators to create highly convincing fake explicit videos or images. The algorithms behind these technologies have become more sophisticated, allowing for more seamless and realistic manipulations. And the accessibility of AI tools and resources has increased, with open-source software and cloud-based services readily available to anyone. This accessibility has lowered the barrier to entry, enabling individuals with malicious intent to exploit these technologies for sextortion purposes.

The proliferation of sharing content on social media
The proliferation of social media platforms and the widespread sharing of personal content online have provided perpetrators with a vast pool of potential victims’ images and videos. By utilising these readily available resources, perpetrators can create deepfake explicit content that closely resembles the victims, increasing the likelihood of success in their extortion schemes.
Furthermore, the anonymity and wide reach of the internet and social media platforms allow perpetrators to distribute manipulated content quickly and easily. They can target individuals specifically or upload the content to public forums and pornographic websites, amplifying the impact and humiliation experienced by victims.
What are law agencies doing?
The alarming increase in AI sextortion cases has prompted concern among law enforcement agencies, advocacy groups, and technology companies. This is high time to make strong Efforts to raise awareness about the risks of AI sextortion, develop detection and prevention tools, and strengthen legal frameworks to address these emerging threats to individuals’ privacy, safety, and well-being.
There is a need for Technological Solutions, which develops and deploys advanced AI-based detection tools to identify and flag AI-generated deepfake content on platforms and services. And collaboration with technology companies to integrate such solutions.
Collaboration with Social Media Platforms is also needed. Social media platforms and technology companies can reframe and enforce community guidelines and policies against disseminating AI-generated explicit content. And can ensure foster cooperation in developing robust content moderation systems and reporting mechanisms.
There is a need to strengthen the legal frameworks to address AI sextortion, including laws that specifically criminalise the creation, distribution, and possession of AI-generated explicit content. Ensure adequate penalties for offenders and provisions for cross-border cooperation.
Proactive measures to combat AI-driven sextortion
Prevention and Awareness: Proactive measures raise awareness about AI sextortion, helping individuals recognise risks and take precautions.
Early Detection and Reporting: Proactive measures employ advanced detection tools to identify AI-generated deepfake content early, enabling prompt intervention and support for victims.
Legal Frameworks and Regulations: Proactive measures strengthen legal frameworks to criminalise AI sextortion, facilitate cross-border cooperation, and impose offender penalties.
Technological Solutions: Proactive measures focus on developing tools and algorithms to detect and remove AI-generated explicit content, making it harder for perpetrators to carry out their schemes.
International Cooperation: Proactive measures foster collaboration among law enforcement agencies, governments, and technology companies to combat AI sextortion globally.
Support for Victims: Proactive measures provide comprehensive support services, including counselling and legal assistance, to help victims recover from emotional and psychological trauma.
Implementing these proactive measures will help create a safer digital environment for all.

Misuse of Technology
Misusing technology, particularly AI-driven deepfake technology, in the context of sextortion raises serious concerns.
Exploitation of Personal Data: Perpetrators exploit personal data and images available online, such as social media posts or captured video chats, to create AI- manipulation violates privacy rights and exploits the vulnerability of individuals who trust that their personal information will be used responsibly.
Facilitation of Extortion: AI sextortion often involves perpetrators demanding monetary payments, sexually themed images or videos, or other favours under the threat of releasing manipulated content to the public or to the victims’ friends and family. The realistic nature of deepfake technology increases the effectiveness of these extortion attempts, placing victims under significant emotional and financial pressure.
Amplification of Harm: Perpetrators use deepfake technology to create explicit videos or images that appear realistic, thereby increasing the potential for humiliation, harassment, and psychological trauma suffered by victims. The wide distribution of such content on social media platforms and pornographic websites can perpetuate victimisation and cause lasting damage to their reputation and well-being.
Targeting teenagers– Targeting teenagers and extortion demands in AI sextortion cases is a particularly alarming aspect of this issue. Teenagers are particularly vulnerable to AI sextortion due to their increased use of social media platforms for sharing personal information and images. Perpetrators exploit to manipulate and coerce them.
Erosion of Trust: Misusing AI-driven deepfake technology erodes trust in digital media and online interactions. As deepfake content becomes more convincing, it becomes increasingly challenging to distinguish between real and manipulated videos or images.
Proliferation of Pornographic Content: The misuse of AI technology in sextortion contributes to the proliferation of non-consensual pornography (also known as “revenge porn”) and the availability of explicit content featuring unsuspecting individuals. This perpetuates a culture of objectification, exploitation, and non-consensual sharing of intimate material.
Conclusion
Addressing the concern of AI sextortion requires a multi-faceted approach, including technological advancements in detection and prevention, legal frameworks to hold offenders accountable, awareness about the risks, and collaboration between technology companies, law enforcement agencies, and advocacy groups to combat this emerging threat and protect the well-being of individuals online.
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Introduction
MSMEs, being the cornerstone of the Indian economy, are one of the most vulnerable targets in cyberspace and no enterprise is too small to be a target for malicious actors. MSMEs hardly ever perform a cyber-risk assessment, but when they do, they may run into a number of internal problems, such as cyberattacks brought on by inadequate networking security, online fraud, ransomware assaults, etc. Tackling cyber threats in MSMEs is critical mainly because of their high level of dependance on digital technologies and the growing sophistication of cyber attacks. Protecting them from cyber threats is essential, as a security breach can have devastating consequences, including financial loss, reputational damage, and operational disruptions.
Key Cyber Threats that MSMEs are facing
MSMEs are most vulnerable to are phishing attacks, ransomware, malware and viruses, insider threats, social engineering attacks, supply chain attacks, credential stuffing and brute force attacks and Distributed Denial of Service (DDoS) Attacks. Some of these attacks are described as under-
- Insider threats arise from employees or contractors who intentionally or unintentionally compromise security. It involves data theft, misuse of access privileges, or accidental data exposure.
- Social engineering attacks involve manipulating individuals into divulging confidential information or performing actions that compromise security by pretexting, baiting, and impersonation.
- Supply chain attacks exploit the trust in relationships between businesses and their suppliers and introduce malware, compromise data integrity, and disrupt operations.
- Credential stuffing and brute force attacks give unauthorized access to accounts and systems, leading to data breaches and financial losses.
Challenges Faced by MSMEs in Cybersecurity
The challenges faced by MSMEs in cyber security are mainly due to limited resources and budget constraints which leads to other issues such as a lack of specialized expertise as MSMEs often lack the IT support of cyber security experts. Awareness and training are needed to mitigate poor understanding of cyber threats and their complexity in nature. Vulnerabilities in the supply chain are present as they rely on third-party vendors and partners often, introducing potential supply chain vulnerabilities. Regulatory compliance is often complex and is taken seriously only when an issue crops up but it needs special attention especially with the DPDP Act coming in. The lack of an incident response plan leads to delayed and inadequate responses to cyber incidents, increasing the impact of breaches.
Best Practices for Tackling Cyber Threats for MSMEs
To effectively tackle cyber threats, MSMEs should adopt a comprehensive approach such as:
- Implementing and enforcing strong access controls by using MFA or 2FA and password policies. Limiting employee access as role based and updating the same as and when needed.
- Regularly apply security patches and use automated patch management solutions to prevent exploitation of known vulnerabilities.
- Conduct employee training and awareness programs and promote a security-first approach for the employees and assessing employee readiness to identify improvement areas.
- Implement network security measures by using firewalls and intrusion detection systems. Using secure Wi-Fi networks via strong encryptions and changing default credentials for the router are recommended, as is segmenting networks to limit lateral movement within the network in case of a breach.
- Regular data backup ensures that in case of an attack, data loss can be recovered and made available in secure offsite locations to protect it from unauthorized access.
- Developing an incident response plan that outlines the roles, responsibilities and procedure for responding to cyber incidents with regular drills to ensure readiness and clear communication protocols for incident reporting to regulators, stakeholders and customers.
- Implement endpoint security solutions using antivirus and anti-malware softwares. Devices should be against unauthorized access and implement mobile device management solutions enforcing security policies on employee-owned devices used for work purposes.
- Cyber insurance coverage will help in transferring financial risks in case of cyber incidents. It should have comprehensive coverage including business interruptions, data restoration, legal liabilities and incident response costs.
Recommended Cybersecurity Solutions Tailored for MSMEs
- A Managed Security Service Provider offers outsourced cybersecurity services, including threat monitoring, incident response, and vulnerability management that may be lacking in-house.
- Cloud-Based Security Solutions such as firewall as a service and Security Information and Event Management , provide scalable and cost-effective protection for MSMEs.
- Endpoint Detection and Response (EDR) Tools detect and respond to threats on endpoints, providing real-time visibility into potential threats and automating incident response actions.
- Security Awareness Training Platforms deliver interactive training sessions and simulations to educate employees about cybersecurity threats and best practices.
Conclusion
Addressing cyber threats in MSMEs requires a proactive and multi-layered approach that encompasses technical solutions, employee training, and strategic planning. By implementing best practices and leveraging cybersecurity solutions tailored to their specific needs, MSMEs can significantly enhance their resilience against cyber threats. As cyber threats continue to evolve, staying informed about the latest trends and adopting a culture of security awareness will be essential for MSMEs to protect their assets, reputation, and bottom line.
References:
- https://economictimes.indiatimes.com/small-biz/security-tech/security/cyber-security-pitfalls-and-how-negligence-can-be-expensive-for-msmes/articleshow/99508822.cms?from=mdr
- https://www.investopedia.com/financial-edge/0112/3-ways-cyber-crime-impacts-business.aspx
- https://www.financialexpress.com/business/sme-msme-tech-cisco-launches-new-tool-for-smbs-to-assess-their-cybersecurity-readiness-2538348/
- https://www.cloverinfotech.com/blog/small-businesses-big-problems-are-cyber-attacks-crushing-indias-msmes/