What’s Your New Year's Resolution?
2025 is knocking firmly at our door and we have promises to make and resolutions to keep. Time you make your list for the New Year and check it twice.
- Lifestyle targets 🡪 Check
- Family targets 🡪 Check
- Social targets 🡪 Check
Umm, so far so good, but what about your cybersecurity targets for the year? Hey, you look confused and concerned. Wait a minute, you do not have one, do you?
I get it. Though the digital world still puzzles, and sometimes outright scares us, we still are not in the ‘Take-Charge-Of-Your-Digital-Safety Mode. We prefer to depend on whatever software security we are using and keep our fingers crossed that the bad guys (read threat actors) do not find us.
Let me illustrate why cybersecurity should be one of your top priorities. You know that stress is a major threat to our continued good health, right? However, if your devices, social media accounts, office e-mail or network, or God forbid, bank accounts become compromised, would that not cause stress? Think about it and the probable repercussions and you will comprehend why I am harping on prioritising security.
Fret not. We will keep it brief as we well know you have 101 things to do in the next few days leading up to 01/01/2025. Just add cyber health to the list and put in motion the following:
- Install and activate comprehensive security software on ALL internet-enabled devices you have at home. Yes, including your smartphones.
- Set yourself a date to change and create separate unique passwords for all accounts. Or use the password manager that comes with all reputed security software to make life simpler.
- Keep home Wi-Fi turned off at night
- Do not set social media accounts to auto-download photos/documents
- Activate parental controls on all the devices used by your children to monitor and mentor them. But keep them apprised.
- Do not blindly trust anyone or anything online – this includes videos, speeches, emails, voice calls, and video calls. Be aware of fakes.
- Be aware of the latest threats and talk about unsafe cyber practices and behaviour often at home.
Short and sweet, as promised.
We will be back, with more tips, and answers to your queries. Drop us a line anytime, and we will be happy to resolve your doubts.
Ciao!
Related Blogs
Introduction
According to a shocking report, there are multiple scam loan apps on the App Store in India that charge excessive interest rates and force users to pay by blackmailing and harassing them. Apple has prohibited and removed these apps from the App Store, but they may still be installed on your iPhone and running. You must delete any of these apps if you have downloaded them. Learn the names of these apps and how they operated the fraud.
Why Apple banned these apps?
- Apple has taken action to remove certain apps from the Indian App Store. These apps were engaging in unethical behaviour, such as impersonating financial institutions, demanding high fees, and threatening borrowers. Here are the titles of these apps, as well as what Apple has said about their suspension.
- Following user concerns, Apple removed six loan apps from the Indian App Store. Loan apps include White Kash, Pocket Kash, Golden Kash, Ok Rupee, and others.
- According to multiple user reviews, certain apps seek unjustified access to users’ contact lists and media. These apps also charge exorbitant fees that are not necessitated. Furthermore, companies have been found to engage in unethical tactics such as charging high-interest rates and “processing fees” equal to half the loan amount.
- Some lending app users have reported being harassed and threatened for failing to return their loans on time. In some circumstances, the apps threatened the user’s contacts if payment was not completed by the deadline. According to one user, the app company threatened to produce and send false photographs of her to her contacts.
- These loan apps were removed from the App Store, according to Apple, because they broke the norms and standards of the Apple Developer Program License Agreement. These apps were discovered to be falsely claiming financial institution connections.
Issue of Fake loan apps on the App Store
- The App Store and our App Review Guidelines are designed to ensure we provide our users with the safest experience possible,” Apple explained. “We do not tolerate fraudulent activity on the App Store and have strict rules against apps and developers who attempt to game the system.
- In 2022, Apple blocked nearly $2 billion in fraudulent App Store sales. Furthermore, it rejected nearly 1.7 million software submissions that did not match Apple’s quality and safety criteria and cancelled 428,000 developer accounts due to suspected fraudulent activities.
- The scammers also used heinous tactics to force the loanees to pay. According to reports, the scammers behind the apps gained access to the user’s contact list as well as their images. They would morph the images and then scare the individual by sharing their fake nude photos with their whole contact list.
Dangerous financial fraud apps have surfaced on the App Store
- TechCrunch acquired a user review from one of these apps. “I borrowed an amount in a helpless situation, and a day before the repayment due date, I got some messages with my picture and my contacts in my phone saying that repay your loan or they will inform our contacts that you are not paying the loan,” it said.
- Sandhya Ramesh, a journalist from The Print, recently tweeted a screenshot of a direct message she got. A victim’s friend told a similar story in the message.
- TechCrunch contacted Apple, who confirmed that the apps had been removed from the App Store for breaking the Apple Developer Program License Agreement and guidelines.
Conclusion
Recently, some users have claimed that some quick-loan applications, such as White Kash, Pocket Kash, and Golden Kash, have appeared on the Top Finance applications chart in recent days. These apps necessitate unauthorised and intrusive access to users’ contact lists and media. According to hundreds of user evaluations, these apps charged exorbitantly high and useless fees. They used unscrupulous techniques such as demanding “processing fees” equal to half the loan amount and charging high-interest rates. Users were also harassed and threatened with restitution. If payments were not made by the due date, the lending applications threatened to notify users’ contacts. According to one user, the app provider even threatened to generate phoney nude images of her and send them to her contacts.
Introduction
In a world where Artificial Intelligence (AI) is already changing the creation and consumption of content at a breathtaking pace, distinguishing between genuine media and false or doctored content is a serious issue of international concern. AI-generated content in the form of deepfakes, synthetic text and photorealistic images is being used to disseminate misinformation, shape public opinion and commit fraud. As a response, governments, tech companies and regulatory bodies are exploring ‘watermarking’ as a key mechanism to promote transparency and accountability in AI-generated media. Watermarking embeds identifiable information into content to indicate its artificial origin.
Government Strategies Worldwide
Governments worldwide have pursued different strategies to address AI-generated media through watermarking standards. In the US, President Biden's 2023 Executive Order on AI directed the Department of Commerce and the National Institute of Standards and Technology (NIST) to establish clear guidelines for digital watermarking of AI-generated content. This action puts a big responsibility on large technology firms to put identifiers in media produced by generative models. These identifiers should help fight misinformation and address digital trust.
The European Union, in its Artificial Intelligence Act of 2024, requires AI-generated content to be labelled. Article 50 of the Act specifically demands that developers indicate whenever users engage with synthetic content. In addition, the EU is a proponent of the Coalition for Content Provenance and Authenticity (C2PA), an organisation that produces secure metadata standards to track the origin and changes of digital content.
India is currently in the process of developing policy frameworks to address AI and synthetic content, guided by judicial decisions that are helping shape the approach. In 2024, the Delhi High Court directed the central government to appoint members for a committee responsible for regulating deepfakes. Such moves indicate the government's willingness to regulate AI-generated content.
China, has already implemented mandatory watermarking on all deep synthesis content. Digital identifiers must be embedded in AI media by service providers, and China is one of the first countries to adopt stern watermarking legislation.
Understanding the Technical Feasibility
Watermarking AI media means inserting recognisable markers into digital material. They can be perceptible, such as logos or overlays or imperceptible, such as cryptographic tags or metadata. Sophisticated methods such as Google's SynthID apply imperceptible pixel-level changes that remain intact against standard image manipulation such as resizing or compression. Likewise, C2PA metadata standards enable the user to track the source and provenance of an item of content.
Nonetheless, watermarking is not an infallible process. Most watermarking methods are susceptible to tampering. Aforementioned adversaries with expertise, for instance, can use cropping editing or AI software to delete visible watermarks or remove metadata. Further, the absence of interoperability between different watermarking systems and platforms hampers their effectiveness. Scalability is also an issue enacting and authenticating watermarks for billions of units of online content necessitates huge computational efforts and routine policy enforcement across platforms. Scientists are currently working on solutions such as blockchain-based content authentication and zero-knowledge watermarking, which maintain authenticity without sacrificing privacy. These new techniques have potential for overcoming technical deficiencies and making watermarking more secure.
Challenges in Enforcement
Though increasing agreement exists for watermarking, implementation of such policies is still a major issue. Jurisdictional constraints prevent enforceability globally. A watermarking policy within one nation might not extend to content created or stored in another, particularly across decentralised or anonymous domains. This creates an exigency for international coordination and the development of worldwide digital trust standards. While it is a welcome step that platforms like Meta, YouTube, and TikTok have begun flagging AI-generated content, there remains a pressing need for a standardised policy that ensures consistency and accountability across all platforms. Voluntary compliance alone is insufficient without clear global mandates.
User literacy is also a significant hurdle. Even when content is properly watermarked, users might not see or comprehend its meaning. This aligns with issues of dealing with misinformation, wherein it's not sufficient just to mark off fake content, users need to be taught how to think critically about the information they're using. Public education campaigns, digital media literacy and embedding watermarking labels within user-friendly UI elements are necessary to ensure this technology is actually effective.
Balancing Privacy and Transparency
While watermarking serves to achieve digital transparency, it also presents privacy issues. In certain instances, watermarking might necessitate the embedding of metadata that will disclose the source or identity of the content producer. This threatens journalists, whistleblowers, activists, and artists utilising AI tools for creative or informative reasons. Governments have a responsibility to ensure that watermarking norms do not violate freedom of expression or facilitate surveillance. The solution is to achieve a balance by employing privacy-protection watermarking strategies that verify the origin of the content without revealing personally identifiable data. "Zero-knowledge proofs" in cryptography may assist in creating watermarking systems that guarantee authentication without undermining user anonymity.
On the transparency side, watermarking can be an effective antidote to misinformation and manipulation. For example, during the COVID-19 crisis, misinformation spread by AI on vaccines, treatments and public health interventions caused widespread impact on public behaviour and policy uptake. Watermarked content would have helped distinguish between authentic sources and manipulated media and protected public health efforts accordingly.
Best Practices and Emerging Solutions
Several programs and frameworks are at the forefront of watermarking norms. Adobe, Microsoft and others' collaborative C2PA framework puts tamper-proof metadata into images and videos, enabling complete traceability of content origin. SynthID from Google is already implemented on its Imagen text-to-image model and secretly watermarks images generated by AI without any susceptibility to tampering. The Partnership on AI (PAI) is also taking a leadership role by building out ethical standards for synthetic content, including standards around provenance and watermarking. These frameworks become guides for governments seeking to introduce equitable, effective policies. In addition, India's new legal mechanisms on misinformation and deepfake regulation present a timely point to integrate watermarking standards consistent with global practices while safeguarding civil liberties.
Conclusion
Watermarking regulations for synthetic media content are an essential step toward creating a safer and more credible digital world. As artificial media becomes increasingly indistinguishable from authentic content, the demand for transparency, origin, and responsibility increases. Governments, platforms, and civil society organisations will have to collaborate to deploy watermarking mechanisms that are technically feasible, compliant and privacy-friendly. India is especially at a turning point, with courts calling for action and regulatory agencies starting to take on the challenge. Empowering themselves with global lessons, applying best-in-class watermarking platforms and promoting public awareness can enable the nation to acquire a level of resilience against digital deception.
References
- https://artificialintelligenceact.eu/
- https://www.cyberpeace.org/resources/blogs/delhi-high-court-directs-centre-to-nominate-members-for-deepfake-committee
- https://c2pa.org
- https://www.cyberpeace.org/resources/blogs/misinformations-impact-on-public-health-policy-decisions
- https://deepmind.google/technologies/synthid/
- https://www.imatag.com/blog/china-regulates-ai-generated-content-towards-a-new-global-standard-for-transparency
Executive Summary
A poster is being shared on social media claiming that Prime Minister Narendra Modi has submitted his resignation to President Droupadi Murmu. The post also includes a screenshot of an X (formerly Twitter) account allegedly belonging to President Droupadi Murmu, stating that the Prime Minister has tendered his resignation, along with his Union Council of Ministers, to the President. Research by the CyberPeace Research Wing proved the viral claim to be fake. The research revealed that the poster being shared on social media is fabricated.
Claim:
Sharing the viral poster on the social media platform Instagram, a user wrote, “President Droupadi Murmu accepted the resignation of Prime Minister Narendra Modi and requested him to continue in office until the formation of the new government. This is part of the constitutional process of Indian democracy. What is your opinion? Is this just a formality or a step towards a new beginning?” The archive link and screenshot of the post are given below:
https://www.instagram.com/reels/DcA0HqhN3Fr/
FactCheck
To ascertain the truth behind the viral claim, we conducted a search on Google using relevant keywords. During this, we did not find any credible media reports confirming the viral claim. In the next step of the research, we scanned the X account of the Prime Minister’s Office (PMO). We did not find any such post there either. The link and screenshot of the relevant post are given below:
Proceeding further with the research, we scanned the X account of the President. We did not find any post confirming the viral claim there as well. The link and screenshot of the relevant post are given below:
In the next stage of our research, we found a report published on the DD News website on June 5, 2024. According to the report, ahead of the formation of the next Bharatiya Janata Party (BJP)-led NDA government, Prime Minister Narendra Modi, along with his Council of Ministers, had tendered his resignation to President Droupadi Murmu. This paved the way for the dissolution of the 17th Lok Sabha, which ran from 2019 to 2024. President Droupadi Murmu accepted the resignation of Prime Minister Modi and his Council of Ministers, and requested them to continue in office until the new government assumed charge. The link and screenshot of the post are given below:
Conclusion:
In our research, the viral claim turned out to be fake. The research revealed that the poster being shared on social media is fake.
