Apple Bans 6 Apps from App Store India
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.
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Introduction
The rise of unreliable social media newsgroups on online platforms has significantly altered the way people consume and interact with news, contributing to the spread of misinformation and leading to sources of unverified and misleading content. Unlike traditional news outlets that adhere to journalistic standards, these newsgroups often lack proper fact-checking and editorial oversight, leading to the rapid dissemination of false or distorted information. Social media transformed individuals into active content creators. Social media newsgroups (SMNs) are social media platforms used as sources of news and information. According to a survey by the Pew Research Center (July-August 2024), 54% of U.S. adults now rely on social media for news. This rise in SMNs has raised concerns over the integrity of online news and undermines trust in legitimate news sources. Social media users are advised to consume information and news from authentic sources or channels available on social media platforms.
The Growing Issue of Misinformation in Social Media Newsgroups
Social media newsgroups have become both a source of vital information and a conduit for misinformation. While these platforms allow rapid news sharing and facilitate political and social campaigns, they also pose significant risks of unverified information. Misleading information, often driven by algorithms designed to maximise user engagement, proliferates in these spaces. This has led to increasing challenges, as SMNs cater to diverse communities with varying political affiliations, gender demographics, and interests. This sometimes results in the creation of echo chambers where information is not critically assessed, amplifying the confirmation bias and enabling the unchecked spread of misinformation. A prominent example is the false narratives surrounding COVID-19 vaccines that spread across SMNs, contributing to widespread vaccine hesitancy and public health risks.
Understanding the Susceptibility of Online Newsgroups to Misinformation
Several factors make social media newsgroups particularly susceptible to misinformation. Some of the factors are listed below:
- The lack of robust fact-checking mechanisms in social media news groups can lead to false narratives which can spread easily.
- The lack of expertise from admins of online newsgroups, who are often regular users without journalism knowledge, can result in the spreading of inaccurate information. Their primary goal of increasing engagement may overshadow concerns about accuracy and credibility.
- The anonymity of users exacerbates the problem of misinformation. It allows users to share unverified or misleading content without accountability.
- The viral nature of social media also leads to the vast spread of misinformation to audiences instantly, often outpacing efforts to correct it.
- Unlike traditional media outlets, online newsgroups often lack formal fact-checking processes. This absence allows misinformation to circulate without verification, making it easier for inaccuracies to go unchallenged.
- The sheer volume of user engagement in the form of posts has created the struggle to moderate content effectively imposing significant challenges.
- Social Media Platforms have algorithms designed to enhance user engagement and inadvertently amplify sensational or emotionally charged content, which is more likely to be false.
Consequences of Misinformation in Newsgroups
The societal impacts of misinformation in SMNs are profound. Political polarisation can fuel one-sided views and create deep divides in democratic societies. Health risks emerge when false information spreads about critical issues, such as the anti-vaccine movements or misinformation related to public health crises. Misinformation has dire long-term implications and has the potential to destabilise governments and erode trust in media, in both traditional and social media leading to undermining democracy. If unaddressed, the consequences could continue to ripple through society, perpetuating false narratives that shape public opinion.
Steps to Mitigate Misinformation in Social Media Newsgroups
- Educating users in social media literacy education can empower critical assessment of the information encountered, reducing the spread of false narratives.
- Introducing stricter platform policies, including penalties for deliberately sharing misinformation, may act as a deterrent against sharing unverified information.
- Collaborative fact-checking initiatives with involvement from social media platforms, independent journalists, and expert organisations can provide a unified front against the spread of false information.
- From a policy perspective, a holistic approach that combines platform responsibility with user education and governmental and industry oversight is essential to curbing the spread of misinformation in social media newsgroups.
Conclusion
The emergence of Social media newsgroups has revolutionised the dissemination of information. This rapid spread of misinformation poses a significant challenge to the integrity of news in the digital age. It gets further amplified by algorithmic echo chambers unchecked user engagement and profound societal implications. A multi-faceted approach is required to tackle these issues, combining stringent platform policies, AI-driven moderation, and collaborative fact-checking initiatives. User empowerment concerning media literacy is an important factor in promoting critical thinking and building cognitive defences. By adopting these measures, we can better navigate the complexities of consuming news from social media newsgroups and preserve the reliability of online information. Furthermore, users need to consume news from authoritative sources available on social media platforms.
References
Introduction
The Ministry of Electronics and Information Technology ( MeitY) through its Information Security Education & Awareness ( ISEA ) came up with an advisory regarding the growing cases of e-challan fraud. Cybercriminals are exploiting the beliefs of individuals by attracting them into clicking malicious links under the impression of paying traffic fines. Cybercriminals employ sending phishing messages and impersonating official e-challan notifications as a primary method. These messages are crafted in such a way that portrays a sense of urgency, provoking individuals to click on a link for spontaneous payment. For building trust, the messages are deviously created by scammers depicting official communication, which in actuality are fake messages targeting individuals for committing online financial fraud.
Unveiling the E-Challan Scam
Scammers send a text message to your phones that closely resembles e-challan alerts. The text appears from the traffic police, informing the netizens of a traffic violation that requires a fine payment. These messages contain a link and a text message urging the recipient to settle the fine by clicking on the links to make the payment. Scammers have started trapping innocent individuals through such fake messages. These scammers are creating and sending fake messages that look like traffic challan alert messages. However, it is a completely deceptive and fake message. Such messages contain malicious links to fake website, leading users to visit the fake website and enter their bank account details, or make the payment which ultimately leads to financial loss to victims. Cyber scammers have meticulously copied the format used by the traffic authorities however a close examination can help us spot the trap. The modus operandi of such type of scam is to get the targeted individuals to click on a malicious link for payment of traffic e-challan. Once you click on such malicious payment link to pay for the e-challan the individuals unknowingly will end up paying the cyber criminals instead of the police in a bid to discharge the traffic e-challan.
How to spot a fake E-Challan?
- Verify the Vehicle Number: Make sure that the vehicle number mentioned in the message matches your vehicle’s number. Cross-check this information with your vehicle’s number plate or the smart card ( blue book) issued by the Regional Transport Office ( RTO).
- Verify the E-challan Number: Verify the validity of the e-challan number by logging into the official traffic police website or app. Legitimate e-challans will have a corresponding record that can be cross-checked for authenticity. The challan number can be verified by logging in to the official e-challan website. It is always advisable to Visit the official government website to check if you have actually been fined.
- Inspect the Message Content: Give attention to the language inculcated in the message. Hackers' messages may contain grammatical errors or unusual phrases. For example, cybercriminals might encourage victims to visit the RTO office in person. Trying to build up confidence among the victims. Also, it is important that you do not make such payments in haste. Vehicle owners must check such messages carefully before clicking on any link.
Best Practices to Stay Safe
- Be aware of unbidden messages: Be cautious when you receive unsolicited e- challan notifications. Abstain yourself by clicking on links or downloading attachments from unknown sources.
- Always stick to legitimate or official websites: The scammers use links which look similar to the official link, and a casual glance can miss the difference. Hence it is strictly advisable to visit the official websites only. Also do note that government websites will always have the domain '.gov.in'. The official website of Traffic Challan is https://echallan.parivahan.gov.in/
- Get it cross-checked through official channels: Always cross-check the authenticity of an e-challan by directly accessing official channels, such as the official traffic police website or application.
- Connect with the RTO directly: If in doubt, independently connect with the Regional Transport Office ( RTO) using official contact details to verify the authenticity of the e-challan. It is best not to solely rely on information received from suspicious messages.
- Software update: Make sure that your device’s security software is up to date to protect against malware and phishing scams.
Conclusion:
Cybercriminals are exploiting the fear of traffic fines to trick individuals into clicking on malicious links and revealing their personal and financial information. These scams can lead to significant financial losses for the victims. To stay safe, it is important to be cautious of unsolicited messages, verify the authenticity of e-challans through official channels, and avoid clicking on links or downloading attachments from unknown sources. Awareness is the first line of defence in the evolving landscape of online threats.
References:
- https://economictimes.indiatimes.com/news/new-updates/ahmedabad-residents-duped-out-of-lakhs-in-e-challan-scam-cops-arrest-jharkhand-man/articleshow/103528317.cms
- https://economictimes.indiatimes.com/wealth/save/new-traffic-e-challan-fraud-heres-how-to-identify-scam-messages-and-avoid-getting-duped/articleshow/104960817.cms
- https://www.ndtv.com/india-news/explained-the-new-e-challan-scam-how-we-can-escape-it-4342129
Introduction
Since February 2020 the government has been taking keen steps to safeguard the Indian markets and the consumer, this could be seen in the forms of policies and exemptions for the market players and the consumers, however, due to the COVID-19 pandemic, the markets places became vulnerable to loss and various forms of new crimes and frauds. The Government recently tabled the Jan Vishwas bill which is an aftermath of the Vivad se Vishwas Bill, 2020 which was tabled in February 2020 for creating a safe and dynamic market, this bill is a clear example of how AtmaNirbhar Bharat plays a crucial role in nations development.
What is Jan Vishwas Bill, 2022
The Jan Vishwas (Amendment of Provisions) Bill, 2022 is a 108-page bill introduced in the Lok Sabha by the Union Minister of Commerce and Industry, Piyush Goyal. The statement of objects and reasons of the Bill states, “To amend certain enactments for decriminalizing and rationalizing minor offenses to further enhance trust-based governance for ease of living and doing business.” The bill aims to promote ease of doing business in India by decriminalizing minor offences and amending 183 provisions in 42 Acts administered by 19 ministries. The bill proposes to replace minor offences with monetary penalties and rationalize existing monetary penalties based on the gravity of the offences. The Acts to be amended by the bill include-
- Drugs and Cosmetics Act, 1940
- Public Debt Act, 1944
- Pharmacy Act, 1948
- Cinematograph Act, 1952
- Copyright Act, 1957
- Patents Act, 1970
- Environment (Protection) Act, 1986
- Motor Vehicles Act, 1988
- Trade Marks Act, 1999l Railways Act, 1989
- Information Technology Act, 2000
- Prevention of Money-laundering Act, 2002
- Food Safety and Standards Act, 2006
- Legal Metrology Act, 2009
- Factoring Regulation Act, 2011
The bill aims to decriminalize a large number of minor offences and replace them with monetary penalties. This step by the government is a clear indication of how important the market regulations are, in recent times Google was imposed with a penalty of 1300 crores and 900 crores for violating competitive market practices, these penalties, and criminalised actions will ensure proper compliance to laws of the land thus creating a blanket of safeguards for the Indian consumer and netizen.
What will the Ease of Business be?
The Government has been critical in pinpointing various parameters and factors to improve the ease of business in the country, this bill comes at the right time when we can see numerous start-ups and entrepreneurs emerging in our country. The parameters are as follows-
- Starting a Business of all
- Dealing with Construction Permits
- Getting Electricity
- Registering Property
- Getting Credit
- Protecting
- Minority Investors
- Paying Taxes
- Trading across Borders
- Enforcing Contracts and Resolving Insolvency
These parameters have been created with a sight on the future of the markets and how external factors like the Russia-Ukraine war can influence the markets. According to Minister Piyush Goyal, the fear of imprisonment for minor offences is a major factor hindering the growth of the business ecosystem and individual confidence in India. The Jan Vishwas Bill, 2022 aims to address this issue by replacing minor offences with monetary penalties. The bill also proposes an increase of 10% in the minimum amount of fine and penalty levied after every three years, once the bill becomes a law.
Conclusion
The bill will create a level playing field for the market players and the consumers with the backing of strong legislation and precedents thus maintaining transparency and accountability in the system. The amended provisions will allow various already existing legislation to come in tune with the current times and emerging technologies. The nation is at a critical juncture to fabricate policies and laws to address the issues and threats of the future and hence such a bill will be the strengthening pillar of the Indian markets and cyber-ecosystem. The Jan Vishwas Bill, 2022 has been referred to a 31-member joint parliamentary committee for scrutiny. The committee includes members from the Lok Sabha and the Rajya Sabha and will submit its report to parliament by the second part of the Budget session in 2023, The members from the Lok Sabha include PP Chaudhary, Sanjay Jaiswal, Queen Ojha, Rajendra Agrawal, Gaurav Gogoi, A Raja, Rajendra Agarwal, Poonam Pramod Mahajan, and Sougata Ray.
