Domestic UPI Frauds: Finance Ministry Presented Data in LokSabha
Introduction
According to the Finance Ministry's data, the incidence of domestic Unified Payment Interface (UPI) fraud rose by 85% in FY 2023-24 compared to FY 2022-23. Further, as of September of FY 2024-25, 6.32 lakh fraud cases had been already reported, amounting to Rs 485 crore. The data was shared on 25th November 2024, by the Finance Ministry in response to a question in Lok Sabha’s winter session about the fraud in UPI transactions during the past three fiscal years.
Statistics

UPI Frauds and Government's Countermeasures
On the query as to measures taken by the government for safe and secure UPI transactions and prevention of fraud in the transactions, the ministry has highlighted the measures as follows:
- The Reserve Bank of India (RBI) has launched the Central Payment Fraud Information Registry (CPFIR), a web-based tool for reporting payment-related frauds, operational since March 2020, and it requires requiring all Regulated Entities (RE) to report payment-related frauds to the said CPFIR.
- The Government, RBI, and National Payments Corporation of India (NPCI) have implemented various measures to prevent payment-related frauds, including UPI transaction frauds. These include device binding, two-factor authentication through PIN, daily transaction limits, and limits on use cases.
- Further, NPCI offers a fraud monitoring solution for banks, enabling them to alert and decline transactions using AI/ML models. RBI and banks are also promoting awareness through SMS, radio, and publicity on 'cyber-crime prevention'.
- The Ministry of Home Affairs has launched a National Cybercrime Reporting Portal (NCRP) (www.cybercrime.gov.in) and a National Cybercrime Helpline Number 1930 to help citizens report cyber incidents, including financial fraud. Customers can also report fraud on the official websites of their bank or bank branches.
- The Department of Telecommunications has introduced the Digital Intelligence Platform (DIP) and 'Chakshu' facility on the Sanchar Saathi portal, enabling citizens to report suspected fraud messages via call, SMS, or WhatsApp.
Conclusion
UPI is India's most popular digital payment method. As of June 2024, there are around 350 million active users of the UPI in India. The Indian Cyber Crime Coordination Centre (I4C) report indicates that ‘Online Financial Fraud’, a cyber crime category under NCRP, is the most prevalent among others. The rise of financial fraud, particularly UPI fraud is cause for alarm, the scammers use sophisticated strategies to deceive victims. It is high time for netizens to exercise caution and care with their personal and financial information, stay aware of common tactics used by fraudsters, and adhere to best security practices for secure transactions and the safe use of UPI services.
References
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Introduction
Artificial Intelligence (AI) driven autonomous weapons are reshaping military strategy, acting as force multipliers that can independently assess threats, adapt to dynamic combat environments, and execute missions with minimal human intervention, pushing the boundaries of modern warfare tactics. AI has become a critical component of modern technology-driven warfare and has simultaneously impacted many spheres in a technology-driven world. Nations often prioritise defence for significant investments, supporting its growth and modernisation. AI has become a prime area of investment and development for technological superiority in defence forces. India’s focus on defence modernisation is evident through initiatives like the Defence AI Council and the Task Force on Strategic Implementation of AI for National Security.
The main requirement that Autonomous Weapons Systems (AWS) require is the “autonomy” to perform their functions when direction or input from a human actor is absent. AI is not a prerequisite for the functioning of AWSs, but, when incorporated, AI could further enable such systems. While militaries seek to apply increasingly sophisticated AI and automation to weapons technologies, several questions arise. Ethical concerns have been raised for AWS as the more prominent issue by many states, international organisations, civil society groups and even many distinguished figures.
Ethical Concerns Surrounding Autonomous Weapons
The delegation of life-and-death decisions to machines is the ethical dilemma that surrounds AWS. A major concern is the lack of human oversight, raising questions about accountability. What if AWS malfunctions or violates international laws, potentially committing war crimes? This ambiguity fuels debate over the dangers of entrusting lethal force to non-human actors. Additionally, AWS poses humanitarian risks, particularly to civilians, as flawed algorithms could make disastrous decisions. The dehumanisation of warfare and the violation of human dignity are critical concerns when AWS is in question, as targets become reduced to mere data points. The impact on operators’ moral judgment and empathy is also troubling, alongside the risk of algorithmic bias leading to unjust or disproportionate targeting. These ethical challenges are deeply concerning.
Balancing Ethical Considerations and Innovations
It is immaterial how advanced a computer becomes in simulating human emotions like compassion, empathy, altruism, or other emotions as the machine will only be imitating them, not experiencing them as a human would. A potential solution to this ethical predicament is using a 'human-in-the-loop' or 'human-on-the-loop' semi-autonomous system. This would act as a compromise between autonomy and accountability.
A “human-on-the-loop” system is designed to provide human operators with the ability to intervene and terminate engagements before unacceptable levels of damage occur. For example, defensive weapon systems could autonomously select and engage targets based on their programming, during which a human operator retains full supervision and can override the system within a limited period if necessary.
In contrast, a ‘human-in-the-loop” system is intended to engage individual targets or specific target groups pre-selected by a human operator. Examples would include homing munitions that, once launched to a particular target location, search for and attack preprogrammed categories of targets within the area.
International Debate and Regulatory Frameworks
The regulation of autonomous weapons that employ AI, in particular, is a pressing global issue due to the ethical, legal, and security concerns it contains. There are many ongoing efforts at the international level which are in discussion to regulate such weapons. One such example is the initiative under the United Nations Convention on CertainConventional Weapons (CCW), where member states, India being an active participant, debate the limits of AI in warfare. However, existing international laws, such as the Geneva Conventions, offer legal protection by prohibiting indiscriminate attacks and mandating the distinction between combatants and civilians. The key challenge lies in achieving global consensus, as different nations have varied interests and levels of technological advancement. Some countries advocate for a preemptive ban on fully autonomous weapons, while others prioritise military innovation. The complexity of defining human control and accountability further complicates efforts to establish binding regulations, making global cooperation both essential and challenging.
The Future of AI in Defence and the Need for Stronger Regulations
The evolution of autonomous weapons poses complex ethical and security challenges. As AI-driven systems become more advanced, a growing risk of its misuse in warfare is also advancing, where lethal decisions could be made without human oversight. Proactive regulation is crucial to prevent unethical use of AI, such as indiscriminate attacks or violations of international law. Setting clear boundaries on autonomous weapons now can help avoid future humanitarian crises. India’s defence policy already recognises the importance of regulating the use of AI and AWS, as evidenced by the formation of bodies like the Defence AI Project Agency (DAIPA) for enabling AI-based processes in defence Organisations. Global cooperation is essential for creating robust regulations that balance technological innovation with ethical considerations. Such collaboration would ensure that autonomous weapons are used responsibly, protecting civilians and combatants, while encouraging innovation within a framework prioritising human dignity and international security.
Conclusion
AWS and AI in warfare present significant ethical, legal, and security challenges. While these technologies promise enhanced military capabilities, they raise concerns about accountability, human oversight, and humanitarian risks. Balancing innovation with ethical responsibility is crucial, and semi-autonomous systems offer a potential compromise. India’s efforts to regulate AI in defence highlight the importance of proactive governance. Global cooperation is essential in establishing robust regulations that ensure AWS is used responsibly, prioritising human dignity and adherence to international law, while fostering technological advancement.
References
● https://indianexpress.com/article/explained/reaim-summit-ai-war-weapons-9556525/

Introduction
The Sexual Harassment of minors in cyberspace has become a matter of grave concern that needs to be addressed. Sextortion is the practice of extorting individuals into sharing explicit and sexual content under the threat of exposure. This grim activity has evolved into a pervasive issue on several social media platforms, particularly Instagram. To combat this illicit act, big corporate giants such as Meta have deployed a comprehensive ‘nudity protection’ feature, leveraging the use of AI (Artificial Intelligence) algorithms to ascertain and address the rapid distribution of unsolicited explicit content.
The Meta Initiative presented a multifaceted approach to improve user safety, especially for young people online, who are more vulnerable to predatory behavior.
The Salient Feature
Instagram’s use of advanced AI algorithms to automatically identify and blur out explicit images shared within direct messages is the driving force behind this initiative. This new safety measure serves two essential purposes.
- Preventing dissemination of sensitive content - The feature, when enabled, obstructs the visibility of sensitive personal pictures and also limits dissemination of the same.
- Empower minors to exercise more control over their social media - This cutting feature comes with the ability to disable the nudity protection at the will of users, allowing users, including minors, to regulate their exposure to age-inappropriate and harmful materials online. The nudity protection feature is enabled for all users under 18 as a default setting on Instagram globally. This measure guarantees a baseline standard of security for the most vulnerable demographic of users. Adults are able to exercise more autonomy over the feature, receiving periodic prompts for its voluntary activationWhen this feature detects an explicit image, it automatically blurs the image with cautionary overlay, enabling recipients to make an informed decision about whether or not they wish to view the flagged content. The decision to introduce this feature is an interesting and sensitive approach to balancing individual agency with institutionalising online protection.
Comprehensive Safety Measures Beyond Nudity Detection
The cutting-edge nudity protection feature is a crucial element of Instagram’s new strategy and is supported by a comprehensive set of measures devised to tackle sextortion and ensure a safe cyber environment for its users:
Awareness Drives and Safety Tips - Users sending and receiving sexually explicit content are directed to a screen with curated safety tips to ensure complete user awareness and inspire due diligence. These safety tips are critical in raising awareness about the risks of sharing sensitive content and inculcating responsible online behaviour.
New Technology to Identify Sextortionists - Meta Platforms are constantly evolving, and new sophisticated algorithms are introduced to better detect malicious accounts engaged in possible sextortion. These proactive measures check for any predatory behaviour so that such threats can be neutralised before they escalate and do grave harm.
Superior Reporting and Support Mechanisms - Instagram is implementing new technology to bolster its reporting mechanisms so that users reporting concerns pertaining to nudity, sexual exploitation and threats are instantaneously directed to local child safety authorities for necessary support and assistance.
This new sophisticated approach highlights Instagram's Commitment to forging a safer haven for users by addressing various aspects of this grim issue through the three-pronged strategy of detection, prevention and support.
User’s Safety and Accountability
The implementation of the nudity protection feature and various associated safety measures is Meta’s way of tackling the growing concern about user safety in a more proactive manner, especially when it concerns minors. Instagram’s experience with this feature will likely be the sandbox in which Meta tests its new user protection strategy and refines it before extending it to other platforms like Facebook and WhatsApp.
Critical Reception and Future Outlook
The nudity protection feature has been met with positive feedback from experts and online safety advocates, commending Instagram for taking a proactive stance against sextortion and exploitation. However, critics also emphasise the need for continued innovation, transparency, and accountability to effectively address evolving threats and ensure comprehensive protection for all users.
Conclusion
As digital spaces continue to evolve, Meta Platforms must demonstrate an ongoing commitment to adapting its safety measures and collaborating with relevant stakeholders to stay ahead of emerging challenges. Ongoing investment in advanced technology, user education, and robust support systems will be crucial in maintaining a secure and responsible online environment. Ultimately, Instagram's nudity protection feature represents a significant step forward in the fight against online sexual exploitation and abuse. By leveraging cutting-edge technology, fostering user awareness, and implementing comprehensive safety protocols, Meta Platforms is setting a positive example for other social media platforms to prioritise user safety and combat predatory behaviour in digital spaces.
References
- https://www.nbcnews.com/tech/tech-news/instagram-testing-blurring-nudity-messages-protect-teens-sextortion-rcna147402
- https://techcrunch.com/2024/04/11/meta-will-auto-blur-nudity-in-instagram-dms-in-latest-teen-safety-step/
- https://hypebeast.com/2024/4/instagram-dm-nudity-blurring-feature-teen-safety-info

Introduction
The use of AI in content production, especially images and videos, is changing the foundations of evidence. AI-generated videos and images can mirror a person’s facial features, voice, or actions with a level of fidelity to which the average individual may not be able to distinguish real from fake. The ability to provide creative solutions is indeed a beneficial aspect of this technology. However, its misuse has been rapidly escalating over recent years. This creates threats to privacy and dignity, and facilitates the creation of dis/misinformation. Its real-world consequences are the manipulation of elections, national security threats, and the erosion of trust in society.
Why India Needs Deepfake Regulation
Deepfake regulation is urgently needed in India, evidenced by the recent Rashmika Mandanna incident, where a hoax deepfake of an actress created a scandal throughout the country. This was the first time that an individual's image was superimposed on the body of another woman in a viral deepfake video that fooled many viewers and created outrage among those who were deceived by the video. The incident even led to law enforcement agencies issuing warnings to the public about the dangers of manipulated media.
This was not an isolated incident; many influencers, actors, leaders and common people have fallen victim to deepfake pornography, deepfake speech scams, defraudations, and other malicious uses of deepfake technology. The rapid proliferation of deepfake technology is outpacing any efforts by lawmakers to regulate its widespread use. In this regard, a Private Member’s Bill was introduced in the Lok Sabha in its Winter Session. This proposal was presented to the Lok Sabha as an individual MP's Private Member's Bill. Even though these have had a low rate of success in being passed into law historically, they do provide an opportunity for the government to take notice of and respond to emerging issues. In fact, Private Member's Bills have been the catalyst for government action on many important matters and have also provided an avenue for parliamentary discussion and future policy creation. The introduction of this Bill demonstrates the importance of addressing the public concern surrounding digital impersonation and demonstrates that the Parliament acknowledges digital deepfakes to be a significant concern and, therefore, in need of a legislative framework to combat them.
Key Features Proposed by the New Deepfake Regulation Bill
The proposed legislation aims to create a strong legal structure around the creation, distribution and use of deepfake content in India. Its five core proposals are:
1. Prior Consent Requirement: individuals must give their written approval before producing or distributing deepfake media, including digital representations of themselves, as well as their faces, images, likenesses and voices. This aims to protect women, celebrities, minors, and everyday citizens against the use of their identities with the intent to harm them or their reputations or to harass them through the production of deepfakes.
2. Penalties for Malicious Deepfakes: Serious criminal consequences should be placed for creating or sharing deepfake media, particularly when it is intended to cause harm (defame, harass, impersonate, deceive or manipulate another person). The Bill also addresses financially fraudulent use of deepfakes, political misinformation, interfering with elections and other types of explicit AI-generated media.
3. Establishment of a Deepfake Task Force: To look at the potential impact of deepfakes on national security, elections and public order, as well as on public safety and privacy. This group will work with academic institutions, AI research labs and technology companies to create advanced tools for the detection of deepfakes and establish best practices for the safe and responsible use of generative AI.
4. Creation of a Deepfake Detection and Awareness Fund: To assist with the development of tools for detecting deepfakes, increasing the capacity of law enforcement agencies to investigate cybercrime, promoting public awareness of deepfakes through national campaigns, and funding research on artificial intelligence safety and misinformation.
How Other Countries Are Handling Deepfakes
1. United States
Many States in the United States, including California and Texas, have enacted laws to prohibit the use of politically deceptive deepfakes during elections. Additionally, the Federal Government is currently developing regulations requiring that AI-generated content be clearly labelled. Social Media Platforms are also being encouraged to implement a requirement for users to disclose deepfakes.
2. United Kingdom
In the United Kingdom, it is illegal to create or distribute intimate deepfake images without consent; violators face jail time. The Online Safety Act emphasises the accountability of digital media providers by requiring them to identify, eliminate, and avert harmful synthetic content, which makes their role in curating safe environments all the more important.
3. European Union:
The EU has enacted the EU AI Act, which governs the use of deepfakes by requiring an explicit label to be affixed to any AI-generated content. The absence of a label would subject an offending party to potentially severe regulatory consequences; therefore, any platform wishing to do business in the EU should evaluate the risks associated with deepfakes and adhere strictly to the EU's guidelines for transparency regarding manipulated media.
4. China:
China has among the most rigorous regulations regarding deepfakes anywhere on the planet. All AI-manipulated media will have to be marked with a visible watermark, users will have to authenticate their identities prior to being allowed to use advanced AI tools, and online platforms have a legal requirement to take proactive measures to identify and remove synthetic materials from circulation.
Conclusion
Deepfake technology has the potential to be one of the greatest (and most dangerous) innovations of AI technology. There is much to learn from incidents such as that involving Rashmika Mandanna, as well as the proliferation of deepfake technology that abuses globally, demonstrating how easily truth can be altered in the digital realm. The new Private Member's Bill created by India seeks to provide for a comprehensive framework to address these abuses based on prior consent, penalties that actually work, technical preparedness, and public education/awareness. With other nations of the world moving towards increased regulation of AI technology, proposals such as this provide a direction for India to become a leader in the field of responsible digital governance.
References
- https://www.ndtv.com/india-news/lok-sabha-introduces-bill-to-regulate-deepfake-content-with-consent-rules-9761943
- https://m.economictimes.com/news/india/shiv-sena-mp-introduces-private-members-bill-to-regulate-deepfakes/articleshow/125802794.cms
- https://www.bbc.com/news/world-asia-india-67305557
- https://www.akingump.com/en/insights/blogs/ag-data-dive/california-deepfake-laws-first-in-country-to-take-effect
- https://codes.findlaw.com/tx/penal-code/penal-sect-21-165/
- https://www.mishcon.com/news/when-ai-impersonates-taking-action-against-deepfakes-in-the-uk#:~:text=As%20of%2031%20January%202024,of%20intimate%20deepfakes%20without%20consent.
- https://www.politico.eu/article/eu-tech-ai-deepfakes-labeling-rules-images-elections-iti-c2pa/
- https://www.reuters.com/article/technology/china-seeks-to-root-out-fake-news-and-deepfakes-with-new-online-content-rules-idUSKBN1Y30VT/