Combating Global Cybercrime and the Role of the United Nations Ad Hoc Group

Introduction

Established in the US, one of the world’s largest cab networks came into existence in 2010 and, since its inception, has expanded all over the globe with operations in 10,000 cities across 71 countries. It made a remarkable start in India in 2017 and, since then, has seen a rise in the customers and drivers for the company. India is among the largest markets for Uber, with 600,000 monthly drivers and 8.5 million monthly riders.

GeM

Government e-Marketplace (GeM) is a one-stop portal to facilitate online procurement of common-use Goods & Services required by various Government Departments / Organizations / PSUs. GeM aims to enhance transparency, efficiency and speed in public procurement. It provides the tools of e-bidding, reverses e-auction and demand aggregation to facilitate government users achieve the best value for their money. Government e-Marketplace owes its genesis to the recommendations of two Groups of Secretaries to the Prime Minister in January 2016. They recommended setting up a dedicated e-market for different goods & services procured or sold by Government/PSUs besides reforming DGS&D. Subsequently, the Finance Minister, in his Budget speech for FY 2016-17, announced setting up of a technology-driven platform to facilitate procurement of goods and services by various Ministries and agencies of the Government. The portal was launched on 9th August 2016 by the Commerce & Industry Minister.

Uber-GeM collaboration

The cab network giant has registered on the portal of the Government E-marketplace and has declared that it will offer its services to Government officials from Ministries and PSUs. The project is currently in its pilot phase and shall be executed systematically to cover all the ministries and PSUs in the nation. The officials can book cabs at a fixed price with no cancellation or surge fees on the rides. The authorised officials will be able to book a cab from the portal and select from the list of drivers available. It will be a cashless/cardless ride for the officials; additional vehicle categories for government riders have been added, namely, GeM Yatraa Hatch and GeM Yatraa Sedan, and there will be hourly rentals for multiple-stops, allowing the government officials to enjoy the flexible and easily accessible network of cabs in major cities.

Advantages

Such collaboration between Government institutions and corporates will go a long way to secure a stable equilibrium in the market. Uber, a US-based company, enjoys a vast user base in India and has created new job avenues. The advantages of the collaboration between GeM and Uber are as follows-

Easy accessibility

This will undoubtedly provide ease in accessibility in terms of being in a new place, and language barriers will no longer exist with such options for Government officials.

Increased jobs for drivers

With more cabs being engaged with ministries and PSUs, it is pertinent that the requirement for drivers will grow, thus increasing the employability rate in India and allowing the user to have an uninterrupted experience.

Ease of travel and commuting

This move will provide flexibility, thus leading to more ease in travel in cases of emergencies or places inaccessible by trains or other modes of transport.

Rise in travel and tourism

Coupled with the other factors, the opportunities for the users to visit different places will be an added advantage which will help boost the tourism industry, thus creating a balance in the market.

Sustainable Government corporate relationship

Such collaborations between the government and corporates will be substantial, signifying the ease of doing business in India. They will also act as a beacon of example for compliance with opportunities for the other companies and stakeholders.

Opportunities for collaboration with ingenious start-ups

With such major corporate joining hands with the government, the indigenous start-ups will have various opportunities to engage with companies and recreate similar businesses rooted in India, thus transforming the economy.

Conclusion

Transportation and communication play a vital role in our lives, thus, such collaboration will go a long way in creating a better and more uniform user experience in the country. This also goes a long way to showcase that the Governmental platforms also offer services of a global standard. Such portals exist in South Korea, Singapore, the US and Europe. The network of cabs can only be sustained using the locals as drivers, hence these collaborations are win-win for all as the market dynamics are improving, employability will increase, and improved user experience will be seen.

Introduction

With the increasing reliance on digital technologies in the banking industry, cyber threats have become a significant concern. Cyberlaw plays a crucial role in safeguarding the banking sector from cybercrimes and ensuring the security and integrity of financial systems.

The banking industry has witnessed a rapid digital transformation, enabling convenient services and greater access to financial resources. However, this digitalisation also exposes the industry to cyber threats, necessitating the formulation and implementation of effective cyber law frameworks.

Recent Trends in the Banking Industry

Digital Transformation: The banking industry has embraced digital technologies, such as mobile banking, internet banking, and financial apps, to enhance customer experience and operational efficiency.

Open Banking: The concept of open banking has gained prominence, enabling data sharing between banks and third-party service providers, which introduces new cyber risks.

How Cyber Law Helps the Banking Sector

The banking sector and cyber crime share an unspoken synergy due to the mass digitisation of banking services. Thanks to QR codes, UPI and online banking payments, India is now home to 40% of global online banking transactions. Some critical aspects of the cyber law and banking sector are as follows:

Data Protection: Cyberlaw mandates banks to implement robust data protection measures, including encryption, access controls, and regular security audits, to safeguard customer data.

Incident Response and Reporting: Cyberlaw requires banks to establish incident response plans, promptly report cyber incidents to regulatory authorities, and cooperate in investigations.

Customer Protection: Cyberlaw enforces regulations related to online banking fraud, identity theft, and unauthorised transactions, ensuring that customers are protected from cybercrimes.

Legal Framework: Cyberlaw provides a legal foundation for digitalisation in the banking sector, assuring customers that regulations protect their digital transactions and data.

Cybersecurity Training and Awareness: Cyberlaw encourages banks to conduct regular training programs and create awareness among employees and customers about cyber threats, safe digital practices, and reporting procedures.

RBI Guidelines

The RBI, as India’s central banking institution, has issued comprehensive guidelines to enhance cyber resilience in the banking industry. These guidelines address various aspects, including:

Technology Risk Management

Cyber Security Framework

IT Governance

Cyber Crisis Management Plan

Incident Reporting and Response

Recent Trends in Banking Sector Frauds and the Role of Cyber Law

Phishing Attacks: Cyberlaw helps banks combat phishing attacks by imposing penalties on perpetrators and mandating preventive measures like two-factor authentication.

Insider Threats: Cyberlaw regulations emphasise the need for stringent access controls, employee background checks, and legal consequences for insiders involved in fraudulent activities.

Ransomware Attacks: Cyberlaw frameworks assist banks in dealing with ransomware attacks by enabling legal actions against hackers and promoting preventive measures, such as regular software updates and data backups.

Master Directions on Cyber Resilience and Digital Payment Security Controls for Payment System Operators (PSOs)

Draft of Master Directions on Cyber Resilience and Digital Payment Security Controls for Payment System Operators (PSOs) issued by the Reserve Bank of India (RBI). The directions provide guidelines and requirements for PSOs to improve the safety and security of their payment systems, with a focus on cyber resilience. These guidelines for PSOs include mobile payment service providers like Paytm or digital wallet payment platforms.

Here are the highlights-

The Directions aim to improve the safety and security of payment systems operated by PSOs by providing a framework for overall information security preparedness, with an emphasis on cyber resilience.

The Directions apply to all authorised non-bank PSOs.

PSOs must ensure adherence to these Directions by unregulated entities in their digital payments ecosystem, such as payment gateways, third-party service providers, vendors, and merchants.

The PSO’s Board of Directors is responsible for ensuring adequate oversight over information security risks, including cyber risk and cyber resilience. A sub-committee of the Board may be delegated with primary oversight responsibilities.

PSOs must formulate a Board-approved Information Security (IS) policy that covers roles and responsibilities, measures to identify and manage cyber security risks, training and awareness programs, and more.

PSOs should have a distinct Board-approved Cyber Crisis Management Plan (CCMP) to detect, contain, respond, and recover from cyber threats and attacks.

A senior-level executive, such as a Chief Information Security Officer (CISO), should be responsible for implementing the IS policy and the cyber resilience framework and assessing the overall information security posture of the PSO.

PSOs need to define Key Risk Indicators (KRIs) and Key Performance Indicators (KPIs) to identify potential risk events and assess the effectiveness of security controls. The sub-committee of the Board is responsible for monitoring these indicators.

PSOs should conduct a cyber risk assessment when launching new products, services, technologies, or significant changes to existing infrastructure or processes.

PSOs, including inventory management, identity and access management, network security, application security life cycle, security testing, vendor risk management, data security, patch and change management life cycle, incident response, business continuity planning, API security, employee awareness and training, and other security measures should implement various baseline information security measures and controls.

PSOs should ensure that payment transactions involving debit to accounts conducted electronically are permitted only through multi-factor authentication, except where explicitly permitted/relaxed.

Conclusion

The relationship between cyber law and the banking industry is crucial in ensuring a secure and trusted digital environment. Recent trends indicate that cyber threats are evolving and becoming more sophisticated. Compliance with cyber law provisions and adherence to guidelines such as those provided by the RBI is essential for banks to protect themselves and their customers from cybercrimes. By embracing robust cyber law frameworks, the banking industry can foster a resilient ecosystem that enables innovation while safeguarding the interests of all stakeholders or users.

Executive Summary:

New Linux malware has been discovered by a cybersecurity firm Volexity, and this new strain of malware is being referred to as DISGOMOJI. A Pakistan-based threat actor alias ‘UTA0137’ has been identified as having espionage aims, with its primary focus on Indian government entities.  Like other common forms of backdoors and botnets involved in different types of cyberattacks, DISGOMOJI, the malware  allows the use of commands to capture screenshots, search for files to steal, spread additional payloads, and transfer files. DISGOMOJI  uses Discord (messaging service)  for Command & Control (C2)  and uses emojis  for C2 communication. This malware targets Linux operating systems.

The DISCOMOJI Malware:  

• The DISGOMOJI malware opens a specific channel in a Discord server and every new channel corresponds to a new victim. This means that the attacker can communicate with the victim one at a time.

• This particular malware connects with the attacker-controlled Discord server using Emoji, a form of relay protocol. The attacker provides unique emojis as instructions, and the malware uses emojis as a feedback to the subsequent command status.

• For instance, the ‘camera with flash’ emoji is used to screenshots the device of the victim or to steal, the ‘fox’ emoji cracks all Firefox profiles, and the ‘skull’ emoji kills the malware process.

• This C2 communication is done using emojis to ensure messaging between infected contacts, and it is almost impossible for Discord to shut down the malware as it can always change the account details of Discord it is using once the maliciou server is blocked.

• The malware also has capabilities aside from the emoji-based C2 such as network probing, tunneling, and data theft that are needed to help the UTA0137 threat actor in achieving its espionage goals.

Specific emojis used for different commands by UTA0137:

• Camera with Flash (📸): Captures a picture of the target device’s screen as per the victim’s directions.

• Backhand Index Pointing Down (👇): Extracts files from the targeted device and sends them to the command channel in the form of attachments.

• Backhand Index Pointing Right (👉): This process involves sending a file found on the victim’s device to another web-hosted file storage service known as Oshi or oshi[. ]at.

• Backhand Index Pointing Left (👈): Sends a file from the victim’s device to transfer[. ]sh, which is an online service for sharing files on the Internet.

• Fire (🔥): Finds and transmits all files with certain extensions that exist on the victim’s device, such as *. txt, *. doc, *. xls, *. pdf, *. ppt, *. rtf, *. log, *. cfg, *. dat, *. db, *. mdb, *. odb, *. sql, *. json, *. xml, *. php, *. asp, *. pl, *. sh, *. py, *. ino, *. cpp, *. java,

• Fox (🦊): This works by compressing all Firefox related profiles in the affected device. 

• Skull (💀): Kills the malware process in windows using ‘os. Exit()’

• Man Running (🏃‍♂️):  Execute a command on a victim’s device. This command receives an argument, which is the command to execute.

• Index Pointing up (👆) : Upload a file to the victim's device. The file to upload is attached along with this emoji

Analysis:   

The analysis was carried out for one of the indicator of compromised SHA-256 hash file-  C981aa1f05adf030bacffc0e279cf9dc93cef877f7bce33ee27e9296363cf002.

It is found that most of the vendors have marked the file as trojan in virustotal and the graph explains the malicious nature of the contacted domains and IPs.

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Discord & C2 Communication  for UTA0137:

• Stealthiness: Discord is a well-known messaging platform used for different purposes, which means that sending any messages or files on the server should not attract suspicion. Such stealthiness makes it possible for UTA0137 to remain dormant for greater periods before launching an attack.

• Customization: UTA0137 connected to Discord is able to create specific channels for distinct victims on the server. Such a framework allows the attackers to communicate with each of the victims individually to make a process more accurate and efficient.

• Emoji-based protocol: For C2 communication, emojis really complicates the attempt that Discord might make to interfere with the operations of the malware. In case the malicious server gets banned, malware could easily be recovered, especially by using the Discord credentials from the C2 server.

• Persistence: The malware, as stated above, has the ability to perpetually exist to hack the system and withstand rebooting of systems so that the virus can continue to operate without being detected by the owner of the hacked system.

• Advanced capabilities: Other features of DISGOMOJI are the Network Map using Nmap scanner, network tunneling through Chisel and Ligolo and Data Exfiltration by File Sharing services. These capabilities thus help in aiding the espionage goals of UTA0137.

• Social engineering: The virus and the trojan can show the pop-up windows and prompt messages, for example the fake update for firefox and similar applications, where the user can be tricked into inputting the password.

• Dynamic credential fetching: The malware does not write the hardcoded values of the credentials in order to connect it to the discord server. This also inconveniences analysts as they are unable to easily locate the position of the C2 server.

• Bogus informational and error messages: They never show any real information or errors because they do not want one to decipher the malicious behavior easily.

Recommendations to mitigate the risk of UTA0137:

• Regularly Update Software and Firmware: It is essential to regularly update all the application software and firmware of different devices, particularly, routers, to prevent hackers from exploiting the discovered and disclosed flaws. This includes fixing bugs such as CVE-2024-3080 and CVE-2024-3912 on ASUS routers, which basically entails solving a set of problems.

• Implement Multi-Factor Authentication: There are statistics that show how often user accounts are attacked, it is important to incorporate multi-factor authentication to further secure the accounts.

• Deploy Advanced Malware Protection: Provide robust guard that will help the user recognize and prevent the execution of the DISGOMOJI malware and similar threats.

• Enhance Network Segmentation: Utilize stringent network isolation mechanisms that seek to compartmentalize the key systems and data from the rest of the network in order to minimize the attack exposure.

• Monitor Network Activity: Scanning Network hour to hour for identifying and handling the security breach and the tools such as Nmap, Chisel, Ligolo etc can be used.

• Utilize Threat Intelligence: To leverage advanced threats intelligence which will help you acquire knowledge on previous threats and vulnerabilities and take informed actions.

• Secure Communication Channels: Mitigate the problem of the leakage of developers’ credentials and ways of engaging with the discord through loss of contact to prevent abusing attacks or gaining control over Discord as an attack vector.

• Enforce Access Control: Regularly review and update the user authentication processes by adopting stricter access control measures that will allow only the right personnel to access the right systems and information.

• Conduct Regular Security Audits: It is important to engage in security audits periodically in an effort to check some of the weaknesses present within the network or systems.

• Implement Incident Response Plan: Conduct a risk assessment, based on that design and establish an efficient incident response kit that helps in the early identification, isolation, and management of security breaches.

• Educate Users: Educate users on cybersecurity hygiene, opportunities to strengthen affinity with the University, and conduct retraining on threats like phishing and social engineering.

Conclusion:

The new threat actor named UTA0137 from Pakistan who was utilizing DISGOMOJI malware to attack Indian government institutions using embedded emojis with a command line through the Discord app was discovered by Volexity. It has the capability to exfiltrate and aims to steal the data of government entities. The UTA0137 was continuously improved over time to permanently communicate with victims. It underlines the necessity of having strong protection from viruses and hacker attacks, using secure passwords and unique codes every time, updating the software more often and having high-level anti-malware tools. Organizations can minimize advanced threats, the likes of DISGOMOJI and protect sensitive data by improving network segmentation, continuous monitoring of activities, and users’ awareness.

References:

https://otx.alienvault.com/pulse/66712446e23b1d14e4f293eb

https://thehackernews.com/2024/06/pakistani-hackers-use-disgomoji-malware.html?m=1

https://cybernews.com/news/hackers-using-emojis-to-command-malware/

https://www.blackhatethicalhacking.com/news/disgomoji-new-linux-malware-uses-emojis-for-command-execution/

https://www.volexity.com/blog/2024/06/13/disgomoji-malware-used-to-target-indian-government/

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