Spy Loan Scam: Legal Sanctions and Victims Accountability

Introduction

In the advanced age of digitalization, the user base of Android phones is high. Our phones have become an integral part of our daily life activities from making online payments, booking cabs, playing online games, booking movie & show tickets, conducting online business activities, social networking, emailing and communication, we utilize our mobile phone devices. The Internet is easily accessible to everyone and offers various convenient services to users. People download various apps and utilize various services on the internet using their Android devices. Since it offers convenience, but in the growing digital landscape, threats and vulnerabilities have also emerged. Fraudsters find the vulnerabilities and target the users. Recently, various creepy online scams such as AI-based scams, deepfake scams, malware, spyware, malicious links leading to financial frauds, viruses, privacy breaches, data leakage, etc. have been faced by Android mobile users. Android mobile devices are more prone to vulnerabilities as compared to iOS. However, both Android and iOS platforms serve to provide safer digital space to mobile users. iOS offers more security features. but we have to play our part and be careful. There are certain safety measures which can be utilised by users to be safe in the growing digital age.

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User Responsibility: 

Law enforcement agencies have reported that they have received a growing number of complaints showing malware being used to compromise Android mobile devices. Both the platforms, Android and Google, have certain security mechanisms in place. However, cybersecurity experts emphasize that users must actively take care of safeguarding their mobile devices from evolving online threats. In this era of evolving cyber threats, being precautious and vigilant and personal responsibility for digital security is paramount.

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Being aware of evolving scams

1. Deepfake Scams: Deepfake is an AI-based technology. Deepfake is capable of creating realistic images or videos which in actuality are created by machine algorithms. Deepfake technology, since easily accessible, is misused by fraudsters to commit various cyber crimes or deceive and scam people through fake images or videos that look realistic. By using the Deepfake technology, cybercriminals manipulate audio and video content which looks very realistic but, in actuality, is fake. 
2. Voice cloning: To create a voice clone of anyone's, audio can be deepfaked too, which closely resembles a real one but, in actuality, is a fake voice created through deepfake technology. Recently, in Kerala, a man fell victim to an AI-based video call on WhatsApp. He received a video call from a person claiming to be his former colleague. The scammer, using AI deepfake technology, impersonated the face of his former colleague and asked for financial help of 40,000. 
3. Stalkerware or spyware: Stalkware or spyware is one of the serious threats to individual digital safety and personal information. Stalkware is basically software installed into your device without your consent or knowledge in order to track your activities and exploit your data. Stalkware, also referred to as spyware, is a type of malicious software secretly installed on your device without your knowledge. Its purpose is to track you or monitor your activities and record sensitive information such as passwords, text messages, GPS location, call history and access to your photos and videos. Cybercriminals and stalkers use this malicious software to unauthorisedly gain access to someone's phone devices.

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Best practices or Cyber security tips:

• Keep your software up to date: Turn on automatic software updates for your device and make sure your mobile apps are up to date.
• Using strong passwords: Use strong passwords on your lock/unlock and on important apps on your mobile device.
• Using 2FA or multi-factor authentication: Two-factor authentication or multi-factor authentication provides extra layers of security. Be cautious before clicking on any link and downloading any app or file: Users are often led to click on malicious online links. Scammers may present such links to users through false advertisements on social media platforms, payment processes for online purchases, or in phone text messages. Through the links, victims are led either to phishing sites to give away personal data or to download harmful Android Package Kit (APK) files used to distribute and install apps on Android mobile phones.‍
• Secure Payments: Do not open any malicious links. Always make payments from secure and trusted payment apps.  Use strong passwords for your payment apps as well. And secure your banking credentials.‍
• Safe browsing: Pay due care and attention while clicking on any link and downloading content. Ignore the links or attachments of suspicious emails which are from an unknown sender. ‍
• Do not download third-party apps: Using an APK file to download a third-party app to an Android device is commonly known as sideloading. Be cautious and avoid downloading apps from third-party or dubious sites. Doing so may lead to the installation of malware in the device, which in turn may result in confidential and sensitive data such as banking credentials being stolen. Always download apps only from the official app store.‍
• App permissions: Review app permission and only grant permission which is necessary to use that app. ‍
• Do not bypass security measures: Android offers more flexibility in the mobile operating system and in mobile settings. For example, sideloading of apps is disabled by default, and alerts are also in place to warn users. However, an unwitting user who may not truly understand the warnings may simply grant permission to an app to bypass the default setting.‍
• Monitoring: Regularly monitor your devices and system logs for security check-ups and for detecting any suspicious activity.‍
• Reporting online scams: A powerful resource available to victims of cybercrime is the National Cyber Crime Reporting Portal, equipped with a 24x7 helpline number, 1930. This portal serves as a centralized platform for reporting cybercrimes, including financial fraud.

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Conclusion:

The era of digitalisation has transformed our lives, with Android phones becoming an integral part of our daily routines. While these devices offer convenience, they also expose us to online threats and vulnerabilities, such as scams like deepfake technology-based scams, voice clones, spyware, malware, and malicious links that can lead to significant financial and privacy breaches. Android devices might be more susceptible to such scams. By being aware of emerging scams like deepfakes, spyware, and other malicious activities, we can take proactive steps to safeguard our digital lives. Our mobile devices remain as valuable assets for us. However, they are also potential targets for cybercriminals. Users must remain proactive in protecting their devices and personal data from potential threats. By taking personal responsibility for our digital security and following these best practices, we can navigate the digital landscape with confidence, ensuring that our Android phones remain powerful tools for convenience and connection while keeping our data and privacy intact and staying safe from online threats and vulnerabilities.

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References: 

https://www.todayonline.com/singapore/explainer-why-android-devices-prone-online-scams-users-guard-against-it-2252066

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Introduction

The hospitality industry is noted to be one of the industries most influenced by technology. Hotels, restaurants, and travel services are increasingly reliant on digital technologies to automate core operations and customer interactions. The shift to electronic modes of conducting business has made the industry a popular target for cyber threats. In light of increasing cyber threats, safeguarding personal and sensitive personal data on the part of the hospitality industry becomes significant not only from a customer standpoint but also from an organisational and legal perspective.

Role of cybersecurity in the hospitality industry

A hospitality industry-based entity (“HI entity”) deploys several technologies not only to automate operations but to also deliver excellent customer experiences. Technologies such as IoTs that enable smart controls in rooms, Point-of-Sale systems that manage reservations, Call Accounting Systems that track and record customer calls, keyless entry systems, and mobile apps that facilitate easy booking and service requests are popularly used in addition to operative technologies such as Property Management Systems, Hotel Accounting Systems, Local Area Networks (LAN).{1} These technologies collect vast volumes of data daily due to the nature of operations. Such data necessarily includes personal information such as names, addresses, phone numbers, email IDs etc. and sensitive information such as gender, bank account and payment details, health information pertaining to food allergens etc. Resultantly, the breach and loss of such critical data impacts customer trust and loyalty and in turn, their retention within the business. Lack of adequate cybersecurity measures also impacts the reputation and goodwill of an HI entity since customers are more likely to opt for establishments that prioritise the protection of their data. In 2022, cybercriminals syphoned 20GB of internal documents and customer data from Marriott Hotels, which included credit card information and staff information such as wage data, corporate card number and even a personnel assessment file. A much larger breach was seen in 2018, where 383 million booking records and 5.3 million unencrypted passport numbers were stolen from Marriott’s servers.{2}

Cybersecurity is also central to safeguarding trade secrets and key confidential trade information. An estimate of US $6 trillion per year on average amounts to losses generated from cybercrimes.{3} The figure, however, does not include the cost of breach, expenses related to incident response, legal fees, regulatory fines etc which may be significantly higher for a HI entity when loss of potential profits is factored in.

Cybersecurity is also central from a legal standpoint. Legal provisions in various jurisdictions mandate the protection of guest data. In India, the Digital Personal Data Protection Act 2023, imposes a penalty of up to Rs. 50 Crores on a breach in observing obligations to take reasonable security safeguards to prevent personal data breach.{4} Similarly, the General Data Protection Regulation (GDPR) of the European Union also has guidelines for protecting personal data. Several other industry-specific rules, such as those pertaining to consumer protection,  may also be applicable.

Breaches and Mitigation

There are several kinds of cyber security threats faced by an HI entity. “Fake Booking” is a popular method of cyber attack, whereby attackers build and design a website that is modelled exactly after the hotel’s legitimate website. Many customers end up using such malicious phishing websites thereby exposing their personal and sensitive personal data to threats. Additionally, the provision of free wifi within hotel premises, usually accessible freely to the public, implies that a malicious actor may introduce viruses and updates bearing malware. Other common cyber threats include denial of service (DoS) attacks, supply chain attacks, ransomware threats, SQL injection attacks (a type of attack where malicious code is inserted into a database to manipulate data and gain access to information), buffer overflow or buffer overrun (when the amount of data exceeds its storage capacity, implying that the excess data overflows into other memory locations and corrupt or overwrites data in those locations). 

One of the best ways to manage data breaches is to leverage newer technologies that operate on a “privacy by design” model. An HI entity must deploy web application firewalls (WAF) that differ from regular firewalls since they can filter the content of specific web applications and prevent cyber attacks. Another method to safeguard data is by deploying a digital certificate which binds a message/instruction to the owner/generator of the message. This is useful in preventing any false claims fraud by customers. Digital certificates may be deployed on distributed ledger technologies such as blockchain, that are noted for their immutability, transparency and security. Self-sovereign identities or Identifiers (SSI) are also a security use-concept of blockchain whereby individuals own and control their personal data, thereby eliminating reliance on central authorities.{5} In the hospitality industry, SSIs enhance cybersecurity by securely storing identity-related information on a decentralised network, thereby reducing the risk of data breaches. Users can selectively share their information, ensuring privacy and minimising data exposure. This approach not only protects guests' personal details but also streamlines authentication processes, making interactions safer and more efficient.

From a less technical standpoint, cybersecurity insurance may be opted for by a hotel to secure themselves and customer information against breach. Through such insurance, a hotel may cover the liability that arises from breaches caused by both first- and third-party actions.{6} Additionally, Payment Cards Industry Data Security Standards should be adhered to, since these standards ensure that businesses should apply best practices when processing credit card data through optimised security. Employee training and upskilling in basic, practical cybersecurity measures and good practices is also a critical component of a comprehensive cybersecurity strategy.

References:

• [1]  The Growing Importance of Cybersecurity in the Hospitality Industry”, Alfatec, 11 September 2023 https://www.alfatec.ai/academy/resource-library/the-growing-importance-of-cybersecurity-in-the-hospitality-industry
• [2]  Vigliarolo, Brandon, “Marriott Hotels admit to third data breach in 4 years”, 6 July 2022 https://www.theregister.com/2022/07/06/marriott_hotels_suffer_yet_another/#:~:text=In%20the%20case%20of%20the,of%20an%20individual%20organization%20ever. 

• [3] Shabani, Neda & Munir, Arslan. (2020). A Review of Cyber Security Issues in the Hospitality Industry. 10.1007/978-3-030-52243-8_35. https://www.researchgate.net/publication/342683038_A_Review_of_Cyber_Security_Issues_in_Hospitality_Industry/citation/download    
• [4] The Digital Personal Data Protection Act 2023 https://www.meity.gov.in/writereaddata/files/Digital%20Personal%20Data%20Protection%20Act%202023.pdf 
• [5]  “What is self-sovereign identity?”, Sovrin, 6 December 2018 https://sovrin.org/faq/what-is-self-sovereign-identity/ 
• [6] Yasar, Kinza, “Cyber Insurance”, Tech Target https://www.techtarget.com/searchsecurity/definition/cybersecurity-insurance-cybersecurity-liability-insurance 

Executive Summary:

In recent times an image showing the President of AIMIM, Asaduddin Owaisi holding a portrait of Hindu deity Lord Rama, has gone viral on different social media platforms. After conducting a reverse image search, CyberPeace Research Team then found that the picture was fake. The screenshot of the Facebook post made by Asaduddin Owaisi in 2018 reveals him holding Ambedkar’s picture. But the photo which has been morphed shows Asaduddin Owaisi holding a picture of Lord Rama with a distorted message gives totally different connotations in the political realm because in the 2024 Lok Sabha elections, Asaduddin Owaisi is a candidate from Hyderabad. This means there is a need to ensure that before sharing any information one must check it is original in order to eliminate fake news.

Claims:

AIMIM Party leader Asaduddin Owaisi standing with the painting of Hindu god Rama and the caption that reads his interest towards Hindu religion.

Fact Check:

In order to investigate the posts, we ran a reverse search of the image. We identified a photo that was shared on the official Facebook wall of the AIMIM President Asaduddin Owaisi on 7th April 2018.

Comparing the two photos we found that the painting Asaduddin Owaisi is holding is of B.R Ambedkar whereas the viral image is of Lord Rama, and the original photo was posted in the year 2018.

Hence, it was concluded that the viral image was digitally modified to spread false propaganda.

Conclusion:

The photograph of AIMIM President Asaduddin Owaisi holding up one painting of Lord Rama is fake as it has been morphed. The photo that Asaduddin Owaisi uploaded on a Facebook page on 7 Apr 2018 depicted him holding a picture of Bhimrao Ramji Ambedkar. This photograph was digitally altered and the false captions were written to give an altogether different message of Asaduddin Owaisi. It has even highlighted the necessity of fighting fake news that has spread widely through social media platforms especially during the political realm.

• Claim:  AIMIM President Asaduddin Owaisi was holding a painting of the Hindu god Lord Rama in his hand.
• Claimed on: X (Formerly known as Twitter)
• Fact Check: Fake & Misleading

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