Securing Digital Future: Telangana's CISO Initiative

Introduction:

A new Android malware called NGate is capable of stealing money from payment cards through relaying the data read by the Near Field Communication (“NFС”) chip to the attacker’s device. NFC  is a device which allows  devices such as smartphones to communicate over a short distance wirelessly.  In particular, NGate allows forging the victims’ cards and, therefore, performing fraudulent purchases or withdrawing money from ATMs. . 

 About NGate Malware: 

The whole purpose of NGate malware is to target victims’ payment cards by relaying the NFC data to the attacker’s device. The malware is designed to take advantage of phishing tactics and functionality of the NFC on android based devices. 

Modus Operandi: 

• Phishing Campaigns: The first step is spoofed emails or SMS used to lure the users into installing the  Progressive Web Apps (“PWAs”) or the WebAPKs presented as genuine banking applications. These apps usually have a layout and logo that makes them look like an authentic app of a Targeted Bank which makes them believable. 

• Installation of NGate: When the victim downloads the specific app, he or she is required to input personal details including account numbers and PIN numbers. Users are also advised to turn on or install  NFC on their gadgets and place the payment cards to the back part of the phone to scan the cards. 

• NFCGate Component: One of the main working features of the NGate is the NFCGate, an application created and designed by some students of Technical University of Darmstadt. This tool allows the malware to:
  • • Collect NFC traffic from payment cards in the vicinity. 
    • Transmit, or relay this data to the attacker’s device through a server. 
    • Repeat data that has been previously intercepted or otherwise copied.

It is important to note that some aspects of NFCGate mandate a rooted device; however, forwarding NFC traffic can occur with devices that are not rooted, and therefore can potentially ensnare more victims. ‍

Technical Mechanism of Data Theft:

• Data Capture: The malware exploits the NFC communication feature on android devices and reads the information from the payment card, if the card is near the infected device. It is able to intercept and capture the sensive card details.  

• Data Relay: The stolen information  is transmitted through a server to the attacker’s device so that he/she is in a position to mimic the victim’s card. 

• Unauthorized Transactions: Attackers get access to spend money on the merchants or withdraw money from the ATM that has NFC enabled. This capability marks a new level of Android malware in that the hackers are able to directly steal money without having to get hold of the card. 

Social Engineering Tactics: 

In most cases, attackers use social engineering techniques to obtain more information from the target before implementing the attack. In the second phase, attackers may pretend to be representatives of a bank that there is a problem with the account and offer to download a program called NGate, which in fact is a Trojan under the guise of an application for confirming the security of the account. This method makes it possible for the attackers to get ITPIN code from the sides of the victim, which enables them to withdraw money from the targeted person’s account without authorization. 

 Technical Analysis:

The analysis of malicious file hashes and phishing links are below:

Malicious File Hashes:

csob_smart_klic.apk:

• MD5: 7225ED2CBA9CB6C038D8
• Classification: Android/Spy.NGate.B

csob_smart_klic.apk:

• MD5: 66DE1E0A2E9A421DD16B
• Classification: Android/Spy.NGate.C

george_klic.apk:

• MD5: DA84BC78FF2117DDBFDC
• Classification: Android/Spy.NGate.C

george_klic-0304.apk:

• MD5: E7AE59CD44204461EDBD
• Classification: Android/Spy.NGate.C

rb_klic.apk:

• MD5: 103D78A180EB973B9FFC
• Classification: Android/Spy.NGate.A

rb_klic.apk:

• MD5: 11BE9715BE9B41B1C852
• Classification: Android/Spy.NGate.C.

Phishing URLs:

Phishing URL: 

• https://client.nfcpay.workers[.]dev/?key=8e9a1c7b0d4e8f2c5d3f6b2

Additionally, several distinct phishing websites have been identified, including:

• rb.2f1c0b7d.tbc-app[.]life
• geo-4bfa49b2.tbc-app[.]life
• rb-62d3a.tbc-app[.]life
• csob-93ef49e7a.tbc-app[.]life
• george.tbc-app[.]life.

Analysis:

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Broader Implications of NGate: 

The ultramodern features of NGate mean that its manifestation is not limited to financial swindling. An attacker can also generate a copy of NFC access cards and get  full access when hacking into restricted areas, for example, the corporate offices or restricted facility. Moreover, it is also safe to use the capacity to capture and analyze NFC traffic as threats to identity theft and other forms of cyber-criminality. 

Precautionary measures to be taken:

To protect against NGate and similar threats, users should consider the following strategies:

• Disable NFC: As mentioned above, NFC should be not often used, it is safe to turn NFC on Android devices off. This perhaps can be done from the general control of the device in which the bursting modes are being set. 

• Scrutinize App Permissions: Be careful concerning the permission that applies to the apps that are installed particularly the ones allowed to access the device. Hence, it is very important that applications should be downloaded only from genuine stores like Google Play Store only. 

• Use Security Software: The malware threat can be prevented by installing relevant security applications that are available in the market. 

• Stay Informed: As it has been highlighted, it is crucial for a person to know risks that are associated with the use of NFC while attempting to safeguard an individual’s identity. 

Conclusion: 

The presence of malware such as NGate is proof of the dynamism of threats in the context of mobile payments. Through the utilization of NFC function, NGate is a marked step up of Android malware implying that the attackers can directly manipulate the cash related data of the victims regardless of the physical aspect of the payment card. This underscores the need to be careful when downloading applications and to be keen on the permission one grants on the application. Turn NFC when not in use, use good security software and be aware of  the latest scams are some of the measures that help to fight this high level of financial fraud. The  attackers are now improving their methods. It is only right for the people and companies to take the right steps in avoiding the breach of privacy and identity theft.

Reference:

• https://www.welivesecurity.com/en/eset-research/ngate-android-malware-relays-nfc-traffic-to-steal-cash/
• https://therecord.media/android-malware-atm-stealing-czech-banks
• https://www.darkreading.com/mobile-security/nfc-traffic-stealer-targets-android-users-and-their-banking-info
• https://cybersecuritynews.com/new-ngate-android-malware/

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Misinformation is a scourge in the digital world, making the most mundane experiences fraught with risk. The threat is considerably heightened in conflict settings, especially in the modern era, where geographical borders blur and civilians and conflict actors alike can take to the online realm to discuss -and influence- conflict events. Propaganda can complicate the narrative and distract from the humanitarian crises affecting civilians, while also posing a serious threat to security operations and law and order efforts. Sensationalised reports of casualties and manipulated portrayals of military actions contribute to a cycle of violence and suffering. 

A study conducted by MIT found the mere thought of sharing news on social media reduced the ability to judge whether a story was true or false; the urge to share outweighed the consideration of accuracy (2023).  Cross-border misinformation has become a critical issue in today's interconnected world, driven by the rise of digital communication platforms. To effectively combat misinformation, coordinated international policy frameworks and cooperation between governments, platforms, and global institutions are created.

The Global Nature of Misinformation

Cross-border misinformation is false or misleading information that spreads across countries. Out-of-border creators amplify information through social media and digital platforms and are a key source of misinformation. Misinformation can interfere with elections, and create serious misconceptions about health concerns such as those witnessed during the COVID-19 pandemic, or even lead to military conflicts. 

The primary challenge in countering cross-border misinformation is the difference in national policies, legal frameworks and governance policies of social media platforms across various jurisdictions. Examining the existing international frameworks, such as cybersecurity treaties and data-sharing agreements used for financial crimes might be helpful to effectively address cross-border misinformation. Adapting these approaches to the digital information ecosystem, nations could strengthen their collective response to the spread of misinformation across borders. Global institutions like the United Nations or regional bodies like the EU and ASEAN can work together to set a unified response and uniform international standards for regulation dealing with misinformation specifically. 

Current National and Regional Efforts

Many countries have taken action to deal with misinformation within their borders. Some examples include:

• The EU’s Digital Services Act has been instrumental in regulating online intermediaries and platforms including marketplaces, social networks, content-sharing platforms, app stores, etc. The legislation aims to prevent illegal and harmful activities online and the spread of disinformation.
• The primary legislation that governs cyberspace in India is the IT Act of 2000 and its corresponding rules (IT Rules, 2023), which impose strict requirements on social media platforms to counter misinformation content and enable the traceability of the creator responsible for the origin of misinformation. Platforms have to conduct due diligence, failing which they risk losing their safe harbour protection. The recently-enacted DPDP Act of 2023 indirectly addresses personal data misuse that can be used to contribute to the creation and spread of misinformation. Also, the proposed Digital India Act is expected to focus on “user harms” specific to the online world. 
• In the U.S., the Right to Editorial Discretion and Section 230 of the Communications Decency Act place the responsibility for regulating misinformation on private actors like social media platforms and social media regulations. The US government has not created a specific framework addressing misinformation and has rather encouraged voluntary measures by SMPs to have independent policies to regulate misinformation on their platforms.

The common gap area across these policies is the absence of a standardised, global framework for addressing cross-border misinformation which results in uneven enforcement and dependence on national regulations.

Key Challenges in Achieving International Cooperation

Some of the key challenges identified in achieving international cooperation to address cross-border misinformation are as follows:

• Geopolitical tensions can emerge due to the differences in political systems, priorities, and trust issues between countries that hinder attempts to cooperate and create a universal regulation.
• The diversity in approaches to internet governance and freedom of speech across countries complicates the matters further.
• Further complications arise due to technical and legal obstacles around the issues of sovereignty, jurisdiction and enforcement, further complicating matters relating to the monitoring and removal of cross-border misinformation. 

CyberPeace Recommendations 

• The UN Global Principles For Information Integrity Recommendations for Multi-stakeholder Action, unveiled on 24 June 2024, are a welcome step for addressing cross-border misinformation. This can act as the stepping stone for developing a framework for international cooperation on misinformation, drawing inspiration from other successful models like climate change agreements, international criminal law framework etc. 
• Collaborations like public-private partnerships between government, tech companies and civil societies can help enhance transparency, data sharing and accountability in tackling cross-border misinformation. 
• Engaging in capacity building and technology transfers in less developed countries would help to create a global front against misinformation. 

Conclusion

We are in an era where misinformation knows no borders and the need for international cooperation has never been more urgent. Global democracies are exploring solutions, both regulatory and legislative, to limit the spread of misinformation, however, these fragmented efforts fall short of addressing the global scale of the problem. Establishing a standardised, international framework, backed by multilateral bodies like the UN and regional alliances, can foster accountability and facilitate shared resources in this fight. Through collaborative action, transparent regulations, and support for developing nations, the world can create a united front to curb misinformation and protect democratic values, ensuring information integrity across borders.

References

• https://economics.mit.edu/sites/default/files/2023-10/A%20Model%20of%20Online%20Misinformation.pdf 
• https://www.indiatoday.in/global/story/in-the-crosshairs-manufacturing-consent-and-the-erosion-of-public-trust-2620734-2024-10-21 
• https://laweconcenter.org/resources/knowledge-and-decisions-in-the-information-age-the-law-economics-of-regulating-misinformation-on-social-media-platforms/ ‍
• https://www.article19.org/resources/un-article-19-global-principles-for-information-integrity/

Introduction

Conversations surrounding the scourge of misinformation online typically focus on the risks to social order, political stability, economic safety and personal security. An oft-overlooked aspect of this phenomenon is the fact that it also takes a very real emotional and mental toll on people. Even as we grapple with the big picture questions about financial fraud or political rumors or inaccurate medical information online, we must also appreciate the fact that being exposed to misinformation and becoming aware of one’s own vulnerability are both significant sources of mental stress in today’s digital ecosystem.

Inaccurate information causes confusion and worry, which has negative consequences for mental health. Misinformation may also impair people's sense of well-being by undermining their trust in institutions, authority figures, and their own judgment. The constant bombardment of misinformation can lead to information overload, wherein people are unable to discriminate between legitimate sources and misleading content, resulting in mental exhaustion and a sense of being overwhelmed by the sheer volume of information available. Vulnerable groups such as children, the elderly, and those with pre-existing health conditions are more sensitive or susceptible to the negative effects of misinformation.

How Does Misinformation Endanger Mental Health?

Misinformation on social media platforms is a matter of public health because it has the potential to confuse people, lead to poor decision-making and result in cognitive dissonance, anxiety and unwanted behavioural changes.

Unconstrained misinformation can also lead to social disorder and the prevalence of negative emotions amongst larger numbers, ultimately causing a huge impact on society. Therefore, understanding the spread and diffusion characteristics of misinformation on Internet platforms is crucial.

The spread of misinformation can elicit different emotions of the public, and the emotions also change with the spread of misinformation. Factors such as user engagement, number of comments, and time of discussion all have an impact on the change of emotions in misinformation. Active users tend to make more comments, engage longer in discussions, and display more dominant negative emotions when triggered by misinformation. Understanding the evolution pattern of emotions triggered by misinformation is also important in view of the public’s emotional fluctuations under the influence of misinformation, and social media often magnifies the impact of emotions and makes emotions spread rapidly in social networks. For example, the sentiment of misinformation increases when there are sensitive topics such as political elections, viral trending topics, health-related information, communal and local information, information about natural disasters and more. Active misinformation on the Internet not only affects the public's psychology, mental health and behavior, but also has an impact on the stability of social order and the maintenance of social security.

Prebunking and Debunking To Build Mental Guards Against Misinformation

As the spread of misinformation and disinformation rises, so do the techniques aimed to tackle their spread. Prebunking or attitudinal inoculation is a technique for training individuals to recogniseand resist deceptive communications before they can take root. Prebunking is a psychological method for mitigating the effects of misinformation, strengthening resilience and creating cognitive defenses against future misinformation. Debunking provides individuals with accurate information to counter false claims and myths, correcting misconceptions and preventing the spread of misinformation. By presenting evidence-based refutations, debunking helps individuals distinguish fact from fiction.

What do health experts say about online misinformation?

“In the21st century, mental health is crucial due to the overwhelming amount of information available online. The COVID-19 pandemic-related misinformation was a prime example of this, with misinformation spreading online, leading to increased anxiety, panic buying, fear of leaving home, and mistrust in health measures. To protect our mental health, it is essential to cultivate a discerning mindset, question sources, and verify information before consumption. Fostering a supportive community that encourages open dialogue and fact-checking can help navigate the digital information landscape with confidence and emotional support. Prioritising self-care routines, mindfulness practices, and seeking professional guidance are also crucial for safeguarding mental health in the digital information era.”

In conversation with CyberPeace ~ Says Dubai-based psychologist, Aishwarya Menon, (BA,in Psychology and Criminology from the University of Westen Ontario, London and MA in Mental Health and Addictions (Humber College, University of Guelph),Toronto.

CyberPeace Policy Recommendations:

1)     Countering misinformation is everyone's shared responsibility. To mitigate the negative effects of infodemics online, we must look at developing strong legal policies, creating and promoting awareness campaigns, relying on authenticated content on mass media, and increasing people's digital literacy.

2)     Expert organisations actively verifying the information through various strategies including prebunking and debunking efforts are among those best placed to refute misinformation and direct users to evidence-based information sources. It is recommended that countermeasures for users on platforms be increased with evidence-based data or accurate information.

3)     The role of social media platforms is crucial in the misinformation crisis, hence it is recommended that social media platforms actively counter the production of misinformation on their platforms. Local, national, and international efforts and additional research are required to implement the robust misinformation counterstrategies.

4)     Netizens are advised or encouraged to follow official sources to check the reliability of any news or information. They must recognise the red flags by recognising the signs such as questionable facts, poorly written texts, surprising or upsetting news, fake social media accounts and fake websites designed to look like legitimate ones. Netizens are also encouraged to develop cognitive skills to discern fact and reality. Netizens are advised to approach information with a healthy dose of skepticism and curiosity.

Final Words:

It is crucial to protect mental health by escalating and disturbing the rise of misinformation incidents on various subjects, safeguarding our minds requires cognitive skills, building media literacy and verifying the information from trusted sources, prioritising mental health by self-care practices and staying connected with supportive authenticated networks. Promoting prebunking and debunking initiatives is necessary. Netizen scan protect themselves against the negative effects of misinformation and cultivate a resilient mindset in the digital information age.

References:

1. https://www.hindawi.com/journals/scn/2021/7999760/
2. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8502082/

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