TRAI issues guidelines to Access Service Providers to prevent misuse of messaging services

Introduction:

This report examines ongoing phishing scams targeting "State Bank of India (SBI)" customers, India's biggest public bank using fake SelfKYC APKs to trick people. The image plays a part in a phishing plan to get users to download bogus APK files by claiming they need to update or confirm their "Know Your Customer (KYC)" info.

Fake Claim:

A picture making the rounds on social media comes with an APK file. It shows a phishing message that says the user's SBI YONO account will stop working because of their "Old PAN card." It then tells the user to install the "WBI APK" APK (Android Application Package) to check documents and keep their account open. This message is fake and aims to get people to download a harmful app.

Key Characteristics of the Scam:

• The messages "URGENTLY REQUIRED" and "Your account will be blocked today" show how scammers try to scare people into acting fast without thinking.
• PAN Card Reference: Crooks often use PAN card verification and KYC updates as a trick because these are normal for Indian bank customers.
• Risky APK Downloads: The message pushes people to get APK files, which can be dangerous. APKs from places other than the Google Play Store often have harmful software.
• Copying the Brand: The message looks a lot like SBI's real words and logos to seem legit.
• Shady Source: You can't find the APK they mention on Google Play or SBI's website, which means you should ignore the app right away.

Modus Operandi:

• Delivery Mechanism: Typically, users of messaging services like "WhatsApp," "SMS," or "email" receive identical messages with an APK link, which is how the scam is distributed.
• APK Installation: The phony APK frequently asks for a lot of rights once it is  installed, including access to "SMS," "contacts," "calls," and "banking apps."
• Data Theft: Once installed, the program may have the ability to steal card numbers, personal information, OTPs, and banking credentials.
• Remote Access: These APKs may occasionally allow cybercriminals to remotely take control of the victim's device in order to carry out fraudulent financial activities.

While the user installs the application on their device the following interface opens: 

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It asks the user to allow the following:

• SMS is used to send and receive info from the bank.
• User details such as Username, Password, Mobile Number, and Captcha. 

Technical Findings of the Application:

Static Analysis:

• File Name: SBI SELF KYC_015850.apk
• Package Name: com.mark.dot.comsbione.krishn
• Scan Date: Sept. 25, 2024, 6:45 a.m.
• App Security Score: 52/100 (MEDIUM RISK)
• Grade: B

File Information:

• File Name: SBI SELF KYC_015850.apk
• Size: 2.88MB
• MD5: 55fdb5ff999656ddbfa0284d0707d9ef
• SHA1: 8821ee6475576beb86d271bc15882247f1e83630
• SHA256: 54bab6a7a0b111763c726e161aa8a6eb43d10b76bb1c19728ace50e5afa40448

App Information:

• App Name: SBl Bank
• Package Name:: com.mark.dot.comsbione.krishn
• Main Activity: com.mark.dot.comsbione.krishn.MainActivity
• Target SDK: 34
• Min SDK: 24
• Max SDK:
• Android Version Name:: 1.0
• Android Version Code:: 1

App Components:

• Activities: 8
• Services: 2
• Receivers: 2
• Providers: 1
• Exported Activities: 0
• Exported Services: 1
• Exported Receivers: 2
• Exported Providers:: 0

Certificate Information:

• Binary is signed
• v1 signature: False
• v2 signature: True
• v3 signature: False
• v4 signature: False
• X.509 Subject: CN=PANDEY, OU=PANDEY, O=PANDEY, L=NK, ST=NK, C=91
• Signature Algorithm: rsassa_pkcs1v15
• Valid From: 20240904 07:38:35+00:00
• Valid To: 20490829 07:38:35+00:00
• Issuer: CN=PANDEY, OU=PANDEY, O=PANDEY, L=NK, ST=NK, C=91
• Serial Number: 0x1
• Hash Algorithm: sha256
• md5: 4536ca31b69fb68a34c6440072fca8b5
• sha1: 6f8825341186f39cfb864ba0044c034efb7cb8f4
• sha256: 6bc865a3f1371978e512fa4545850826bc29fa1d79cdedf69723b1e44bf3e23f
• sha512:05254668e1c12a2455c3224ef49a585b599d00796fab91b6f94d0b85ab48ae4b14868dabf16aa609c3b6a4b7ac14c7c8f753111b4291c4f3efa49f4edf41123d
• PublicKey Algorithm: RSA
• Bit Size: 2048
• Fingerprint: a84f890d7dfbf1514fc69313bf99aa8a826bade3927236f447af63fbb18a8ea6
• Found 1 unique certificate

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App Permission 

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1. Normal Permissions

• Access_network_state: Allows the App to View the Network Status of All Networks.
• Foreground_service: Enables Regular Apps to Use Foreground Services.
• Foreground_service_data_sync: Allows Data Synchronization With Foreground Services.
• Internet: Grants Full Internet Access.

2. Signature Permission:

• Broadcast_sms: Sends Sms Received Broadcasts. It Can Be Abused by Malicious Apps to Forge Incoming Sms Messages.

3. Dangerous Permissions:

• Read_phone_numbers: Grants Access to the Device’s Phone Number(S).
• Read_phone_state: Reads the Phone’s State and Identity, Including Phone Features and Data.
• Read_sms: Allows the App to Read Sms or Mms Messages Stored on the Device or Sim Card. Malicious Apps Could Use This to Read Confidential Messages.
• Receive_sms: Enables the App to Receive and Process Sms Messages. Malicious Apps Could Monitor or Delete Messages Without Showing Them to the User.
• Send_sms: Allows the App to Send Sms Messages. Malicious Apps Could Send Messages Without the User’s Confirmation, Potentially Leading to Financial Costs.

On further analysis on virustotal platform using md5 hash file, the following results were retrieved where there are 24 security vendors out of 68, marked this apk file as malicious and the graph represents the distribution of malicious file in the environment.

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Key Takeaways:

• Normal Permissions: Generally Safe for Accessing Basic Functionalities (Network State, Internet).
• Signature Permissions: May Pose Risks When Misused, Especially Related to Sms Broadcasts.
• Dangerous Permissions: Provide Sensitive Data Access, Such as Phone Numbers and Device Identity, Which Can Be Exploited by Malicious Apps.
• The Dangerous Permissions Pose Risks Regarding the Reading, Receiving, and Sending of Sms, Which Can Lead to Privacy Breaches or Financial Consequences.

How to Identify the Scam:

• Official Statement: SBI never asks clients to download unauthorized APKs for upgrades related to KYC or other services. All formal correspondence takes place via the SBI YONO app, which may be found in reputable app shops.
• No Immediate Threats: Bank correspondence never employs menacing language or issues harsh deadlines, such as "your account will be blocked today."
• Email Domain and SMS Number: Verified email addresses or phone numbers are used for official SBI correspondence. Generic, unauthorized numbers or addresses are frequently used in scams.
• Links and APK Files: Steer clear of downloading APK files from unreliable sources at all times. For app downloads, visit the Apple App Store or Google Play Store instead.

CyberPeace Advisory:

• The Research team recommends that people should avoid opening such messages sent via social platforms. One must always think before clicking on such links, or downloading any attachments from unauthorised sources.
• Downloading any application from any third party sources instead of the official app store should be avoided. This will greatly reduce the risk of downloading a malicious app, as official app stores have strict guidelines for app developers and review each app before it gets published on the store.
• Even if you download the application from an authorised source, check the app's permissions before you install it. Some malicious apps may request access to sensitive information or resources on your device. If an app is asking for too many permissions, it's best to avoid it.
• Keep your device and the app-store app up to date. This will ensure that you have the latest security updates and bug fixes.
• Falling into such a trap could result in a complete compromise of the system, including access to sensitive information such as microphone recordings, camera footage, text messages, contacts, pictures, videos, and even banking applications and could lead users to financial loss.
• Do not share confidential details like credentials, banking information with such types of Phishing scams.
• Never share or forward fake messages containing links on any social platform without proper verification.

Conclusion:

Fake APK phishing scams target financial institutions more often. This report outlines safety steps for SBI customers and ways to spot and steer clear of these cons. Keep in mind that legitimate banks never ask you to get an APK from shady websites or threaten to close your account right away. To stay safe, use SBI's official YONO app on both systems and get apps from trusted places like Google Play or the Apple App Store. Check if the info is true before you do anything turn on 2FA for all your bank and money accounts, and tell SBI or your local cyber police about any scams you see.

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Introduction

The Supreme Court of India recently ruled that telecom companies cannot be debarred from reissuing the deactivated numbers to a new subscriber. Notably, such reallocation of deactivated numbers is allowed only after the expiration of the period of 90 days. The Apex Court of India also mentioned that it is the responsibility of the user to delete their associated data with their number or any WhatsApp account data to ensure privacy. The  Centre has recently also blocked 22 apps which were part of unlawful operations including betting and money laundering. Meanwhile, in the digital landscape, the Intervention of legislature and judiciary is playing a key role in framing policies or coming up with guidelines advocating for a true cyber-safe India.  The government initiatives are encouraging the responsible use of technologies and Internet-availed services. 

Supreme Court stated that  telecom companies cannot be barred from reissuing deactivated numbers

Taking note of a petition before the Supreme Court of India, seeking direction from the Telecom Regulatory Authority of India (TRAI) to instruct mobile service providers to stop issuing deactivated mobile numbers, the Apex Court dismissed it by stating that mobile service providers in India are allowed to allocate the deactivated numbers to new users or subscribers but only after 90 days from the deactivation of the number. 

A concern of Breach of Confidential Data

The Court further stated, “It is for the earlier subscriber to take adequate steps to ensure that privacy is maintained.” stating that it is the responsibility of the user to delete their WhatsApp account attached to the previous phone number and erase their data. The Court further added that users need to be aware of the Supreme Court ruling that once the number is deactivated for non-use and disconnection, it can not be reallocated before the expiry of the 90-day period of such deactivation. However, after the allotted time passes, such reallocation of numbers to a new user is allowed.   

MEITY issued blocking orders against 22 illegal betting apps & websites

The government of India has been very critical in safeguarding Indian cyberspace by banning and blocking various websites and apps that have been operating illegally by scamming/dupping people of huge sums of money and also committing cyber crimes like data breaches. In recent developments, the Ministry of Electronic and Information Technology (Meity), on November 5, 2023, banned 22 apps including Mahadev Book and Reddyannaprestopro. The Centre has taken this decision on recommendations from the Enforcement Directorate (ED). ED raids on the Mahadev book app in Chattisgarh also revealed unlawful operations. This investigation has been underway for the past few months by the ED.

Applicable laws to prevent money laundering and the power of government to block such websites and apps

On the other hand, the Prevention of Money Laundering Act (PMLA) 2002 is a legislation already in place which aims to prevent and prosecute cases of money laundering. The government also has the power to block or recommend shutting down websites and apps under section 69A of the Information and Technology Act, 2000, under some specific condition as enumerated in the same.

Conclusion

In the evolving digital landscape, cyberspace covers several aspects while certain regulations or guidelines are required for smooth and secure functioning.  We sometimes change our phone numbers or deactivate them, hence, it is significantly important to delete the data associated with the phone number or any such social media account data attached to it. Hence, such a number is eligible for reallocation to a new or early subscriber after the expiration of a period of 90 days from such deactivation. On the other hand, the centre has also blocked the websites or apps that were found to be part of illegal operations including betting and money laundering. Users have also been advised not to misuse the Internet-availed services. Hence, trying to create a lawful and safe Internet environment for all. 

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References:

• https://timesofindia.indiatimes.com/india/cant-bar-telecom-companies-from-reissuing-deactivated-numbers-says-supreme-court/articleshow/104993401.cms
• https://pib.gov.in/PressReleseDetailm.aspx?PRID=1974901#:~:text=Ministry%20of%20Electronics%20and%20Information,including%20Mahadev%20Book%20and%20Reddyannaprestopro 

Recent Incidents:

Recent reports are revealing a significant security threat linked to a new infostealer based malware campaign known to solely target gaming accounts. This attack has affected users of Activision and other gaming websites. The sophisticated software has captured millions of login credentials, notably from the cheats and players. The officials at Activision Blizzard, an American video game holding company, are still investigating the matter and collaborating with cheated developers to minimize the impact and inform the accounts’ residents of appropriate safety measures.

Overview:

Infostealer, also known as information stealer, is a type of malware designed in the form of a Trojan virus for stealing private data from the infected system. It can have a variety of incarnations and collect user data of various types such as browser history, passwords, credit card numbers, and login details and credentials to social media, gaming platforms, bank accounts, and other websites. Bad actors use the log obtained as a result of the collection of personal records to access the victim’s financial accounts, appropriate the victim’s online identity, and perform fraudulent actions on behalf of the victim.

Modus Operandi:

• Infosteale­r is a malicious program created to illegally obtain pe­ople's login details, like use­rnames and passwords. Its goal is to enable cybe­rattacks, sell on dark web markets, or pursue­ malicious aims.

• This malware targets both personal de­vices and corporate systems. It spre­ads through methods like phishing emails, harmful we­bsites, and infected public site­s.

• Once inside a device­, Infostealer secre­tly gathers sensitive data like­ passwords, account details, and personal information. It's designe­d to infiltrate systems being undete­cted. The stolen cre­dentials are compiled into datalogs. The­se logs are then sold ille­gally on dark web marketplaces for profit.

Analysis: 

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Basic properties:

• MD5: 06f53d457c530635b34aef0f04c59c7d
• SHA-1: 7e30c3aee2e4398ddd860d962e787e1261be38fb
• SHA-256: aeecc65ac8f0f6e10e95a898b60b43bf6ba9e2c0f92161956b1725d68482721d
• Vhash: 145076655d155515755az4e?z4
• Authentihash: 65b5ecd5bca01a9a4bf60ea4b88727e9e0c16b502221d5565ae8113f9ad2f878
• Imphash: f4a69846ab44cc1bedeea23e3b680256
• Rich PE header hash: ba3da6e3c461234831bf6d4a6d8c8bff 
• SSDEEP: 6144:YcdXHqXTdlR/YXA6eV3E9MsnhMuO7ZStApGJiZcX8aVEKn3js7/FQAMyzSzdyBk8:YIKXd/UgGXS5U+SzdjTnE3V
• TLSH:T1E1B4CF8E679653EAC472823DCC232595E364FB009267875AC25702D3EFBB3D56C29F90
• File type: Win32 DLL executable windows win32 pepe dll
• Magic: PE32+ executable (DLL) (GUI) x86-64, for MS Windows
• File size: 483.50 KB (495104 bytes)

Additional Hash Files:

• 160389696ed7f37f164f1947eda00830
• 229a758e232aeb49196c862655797e12
• 23e4ac5e7db3d5a898ea32d27e8b7661
• 3440cced6ec7ab38c6892a17fd368cf8
• 36d7da7306241979b17ca14a6c060b92
• 38d2264ff74123f3113f8617fabc49f6
• 3c5c693ba9b161fa1c1c67390ff22c96
• 3e0fe537124e6154233aec156652a675
• 4571090142554923f9a248cb9716a1ae
• 4e63f63074eb85e722b7795ec78aeaa3
• 63dd2d927adce034879b114d209b23de
• 642aa70b188eb7e76273130246419f1d
• 6ab9c636fb721e00b00098b476c49d19
• 71b4de8b5a1c5a973d8c23a20469d4ec
• 736ce04f4c8f92bda327c69bb55ed2fc
• 7acfddc5dfd745cc310e6919513a4158
• 7d96d4b8548693077f79bc18b0f9ef21
• 8737c4dc92bd72805b8eaf9f0ddcc696
• 9b9ff0d65523923a70acc5b24de1921f
• 9f7c1fffd565cb475bbe963aafab77ff

Indicators of Compromise:

• Unusual Outbound Network Traffic: An increase in odd or questionable outbound network traffic may be a sign that infostealer malware has accessed more data.

• Anomalies in Privileged User Account Activity: Unusual behavior or illegal access are two examples of irregular actions that might indicate a breach in privileged user accounts.

• Suspicious Registry or System File Changes: Infostealer malware may be trying to alter system settings if there are any unexpected changes to system files, registry settings, or configurations.

• Unusual  DNS queries: When communicating with command and control servers or rerouting traffic, infostealer malware may produce strange DNS queries.

• Unexpected System Patching: Unexpected or unauthorized system patching by unidentified parties may indicate that infostealer malware has compromised the system and is trying to hide its footprint or become persistent. 

• Phishing emails and social engineering attempts:  It is a  popular strategy employed by cybercriminals to get confidential data or implant malicious software. To avoid compromise, it is crucial to be wary of dubious communications and attempts of social engineering.

Recommendations:

• Be Vigilant: In today's digital world, many cybercrime­s threaten online safe­ty, Phishing tricks, fake web pages, and bad links pose­ real dangers. Carefully che­ck email sources. Examine we­bsites closely. Use top se­curity programs. Follow safe browsing rules. Update software­ often. Share safety tips. The­se steps reduce­ risks. They help kee­p your online presence­ secure.

• Regular use of Anti-Virus Software to detect the threats: Antivirus tools are vital for finding and stopping cybe­r threats. These programs use­ signature detection and be­havior analysis to identify known malicious code and suspicious activities. Updating virus de­finitions and software-patches regularly, improve­s their ability to detect ne­w threats. This helps maintain system se­curity and data integrity.

• Provide security related training to the employees and common employees: One should learn Cybe­rsecurity and the best practice­s in order to keep the­ office safe. Common workers will ge­t lessons on spotting risks and responding well, cre­ating an environment of caution.

• Keep changing passwords: Passwords should be changed fre­quently for better se­curity. Rotating passwords often makes it harder for cybe­r criminals to compromise and make it happen or confidential data to be­ stolen. This practice keeps intruders out and shie­lds sensitive intel.

Conclusion:

To conclude, to reduce the impact and including the safety measures, further investigations and collaboration are already in the pipeline regarding the recent malicious software that takes advantage of gamers and has stated that about millions of credentials users have been compromised. To protect sensitive data, continued usage of antivirus software, use of trusted materials  and password changes are the key elements. The ways to decrease risks and safely protect sensitive information are to develop improved Cybersecurity methods such as multi-factor authentication and the conduct of security audits frequently. Be safe and be vigilant.

Reference:

• https://techcrunch.com/2024/03/28/activision-says-its-investigating-password-stealing-malware-targeting-game-players/
• https://www.bleepingcomputer.com/news/security/activision-enable-2fa-to-secure-accounts-recently-stolen-by-malware/
• https://cyber.vumetric.com/security-news/2024/03/29/activision-enable-2fa-to-secure-accounts-recently-stolen-by-malware/
• https://www.virustotal.com/
• https://otx.alienvault.com/

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