#FactCheck - Deepfake Video Falsely Claims visuals of a massive rally held in Manipur

Introduction

India’s digital growth journey has been moving at a tremendous pace. According to MeitY’s report, India’s digital economy is expected to rise to US$ 500 billion by 2025, up from US$ 200 billion in 2019. The digitisation drive that we are experiencing is likely to foster and boost a favourable business environment that will attract rapid investment and augment economic growth across sectors. This will, in turn, compel businesses to adopt digital platforms as solutions to meet customer expectations. Due to accelerated digitisation, cyber risks often deter business growth. Cybercrimes are becoming more rampant and complex and the costs associated with such breaches are not only increasing but also becoming more systemic.

Development of the Cyber Insurance Landscape

Digitization of businesses started in the 1980s with the use of mainframes. Personal computers entered the game and further modified the landscape from the 2000s along with LANs, the internet and the dot-com boom of the 2000s. In the late 1990s, cyber-insurance was developed as a risk management tool to ensure information security. Coverage was limited, and clients included SMEs in need of insurance to qualify for tenders, or community banks too small to hedge the risks of their online banking operations. The first cyber insurance policy was written in 1997 through AIG, against hacking as a third-party liability policy. 

The current trends in the cyber insurance space are focused on the prevention of cyber risks, which by nature are hard to outline and constantly evolving. The result is that the buyers have limited clarity on the types of cyber risks covered under cyber insurance, and even lesser visibility on the scope and amount of optimum coverage. Unfamiliarity with the claim procedure and resolutions, ambiguous claim thresholds during settlements, and confusion around exclusions and coverage of regulatory fines and penalties under a purchased scheme further discourage potential buyers from seriously investing in cyber insurance products. 

Key Factors in Cyber Insurance Evolution and Its Role in Risk Management

The cyber insurance market in India has three key influencing factors, namely the speed of achieving digital maturity, government initiatives to digitise and enforce stringent cyber laws, and the evolving landscape with technology giants and MNCs entering the cyber insurance domain. The latter  are the catalyst for intensifying competition in this market. 

Advancements in technology in terms of AI, machine learning, big data, robotics, blockchain, augmented and virtual reality, and IoT are expected to reshape the insurance industry and help reach untapped audiences in a more digital-forward manner. With the absence of a standard cyber insurance policy, regulators need to take the following variables into consideration while developing cyber insurance policies: the risk insured against, the scope of the loss covered and the limits/ sub-limits.

Challenges 

With the complexity of cyber risks increasing exponentially the challenges to counter the same are growing too which is leading to gaps in the coverage offered for cyber threats. Resultantly, the compliance regulations are dependent on the risks which exist and cyber threat actors adopt new technologies faster and exploit them to their benefit. A lack of historical data and predictability in future cyber risks, the possibility of large overwhelming loss events, uncertainties among market participants about what is specifically covered under such policies, and legal battles over fundamental issues are some of the challenges identified.

Future Outlook/ Recommendations

India's cyber infrastructure requires a multi-faceted approach that involves collaboration between government, industry, and academia should be developed. Some recommendations are:

• Risk assessments should be a general practice and the cyber insurance policies should be simplified, clearing the mismatch between the premium paid and insurance coverage and there should be standard verbosity across cyber policy language.
• Promoting R&D tailored to India focused on education programs that have public-private partnerships and global collaborations to share threat intelligence, best practices, and expertise in critical infrastructure protection.
• Cyber insurance can also be promoted as compliance with the DPDP Act, which would lead to better development of cyber infrastructure and cyber hygiene practices.
• Regular updates to cyber insurance policies to ensure relevance and effectiveness. Insurers could create and offer holistic cyber insurance risk management plans.

Conclusion

According to a report by Deloitte in 2023, the cyber insurance market in India is expected to grow by 27-30 per cent in the coming years and it is currently valued at USD 50-60 million, while maintaining a steady 27-30 per cent CAGR in the past three years. The Indian cyber infrastructure’s nature is challenging, however, it offers opportunities for growth, innovation, and collaboration. A proactive approach, supported by robust policies, advanced technologies, and skilled professionals, will be essential to building a resilient cyber infrastructure capable of withstanding evolving threats.

Reference

• https://www2.deloitte.com/content/dam/Deloitte/nl/Documents/financial-services/deloitte-nl-fsi-demystifying-cyber-insurance-coverage-report.pdf
• https://www.dnaindia.com/business/report-what-s-cyber-liablity-insurance-and-why-you-may-need-it-2136556‍
• https://economictimes.indiatimes.com/industry/banking/finance/insure/cyber-insurance-gains-momentum-in-india-set-to-witness-exponential-growth-deloitte/articleshow/104189297.cms?from=mdr

Introduction

Search Engine Optimisation (SEO) is a process through which one can improve website visibility on search engine platforms like Google, Microsoft Bing, etc. There is an implicit understanding that SEO suggestions or the links that are generated on top are the more popular information sources and, hence, are deemed to be more trustworthy. This trust, however, is being misused by threat actors through a process called SEO poisoning.

SEO poisoning is a method used by threat actors to attack and obtain information about the user by using manipulative methods that position their desired link, web page, etc to appear at the top of the search engine algorithm. The end goal is to lure the user into clicking and downloading their malware, presented in the garb of legitimate marketing or even as a valid result for Google search.

An active example of attempts at SEO poisoning has been discussed in a report by the Hindustan Times on 11th November, 2024. It highlights that using certain keywords could make a user more susceptible to hacking. Hackers are now targeting people who enter specific words or specific combinations in search engines. According to the report, users who looked up and clicked on links at the top related to the search query “Are Bengal cats legal in Australia?” had details regarding their personal information posted online soon after.

SEO Poisoning - Modus Operandi Of Attack

There are certain tactics that are used by the attackers on SEO poisoning, these are:

• Keyword stuffing- This method involves overloading a webpage with irrelevant words, which helps the false website appear higher in ranking.
• Typosquatting- This method involves creating domain names or links similar to the more popular and trusted websites. A lack of scrutiny before clicking would lead the user to download malware, from what they thought was a legitimate site.
• Cloaking- This method operates by showing different content to both the search engines and the user. While the search engine sees what it assumes to be a legitimate website, the user is exposed to harmful content.
• Private Link Networks- Threat actors create a group of unrelated websites in order to increase the number of referral links, which enables them to rank higher on search engine platforms.
• Article Spinning- This method involves imitating content from other pre-existing, legitimate websites, while making a few minor changes, giving the impression to search engine crawlers of it being original content.
• Sneaky Redirect- This method redirects the users to malicious websites (without their knowledge) instead of the ones the user had intended to click.

CyberPeace Recommendations

• Employee Security Awareness Training: Security awareness training can help employees familiarise themselves with tactics of SEO poisoning, encouraging them to either spot such inconsistencies early on or even alert the security team at the earliest. 
• Tool usage: Companies can use Digital Risk Monitoring tools to catch instances of typosquatting. Endpoint Detection and Response (EDR) tools also help keep an eye on client history and assess user activities during security breaches to figure out the source of the affected file.
• Internal Security Measures: To refer to lists of Indicators of Compromise (IOC). IOC has URL lists that show evidence of the strange behaviour of websites, and this can be used to practice caution. Deploying Web Application Firewalls (WAFs) to mitigate and detect malicious traffic is helpful.

Conclusion

The nature of SEO poisoning is such that it inherently promotes the spread of misinformation, and facilitates cyberattacks. Misinformation regarding the legitimacy of the links and the content they display, in order to lure users into clicking on them, puts personal information under threat. As people trust their favoured search engines, and there is a lack of awareness of such tactics in use, one must exercise caution while clicking on links that seem to be popular, despite them being hosted by trusted search engines.

References

• https://www.checkpoint.com/cyber-hub/cyber-security/what-is-cyber-attack/what-is-seo-poisoning/
• https://www.vectra.ai/topics/seo-poisoning
• https://www.techtarget.com/whatis/definition/search-poisoning
• https://www.blackberry.com/us/en/solutions/endpoint-security/ransomware-protection/seo-poisoning
• https://www.coalitioninc.com/blog/seo-poisoning-attacks
• https://www.sciencedirect.com/science/article/abs/pii/S0160791X24000186
• https://www.repindia.com/blog/secure-your-organisation-from-seo-poisoning-and-malvertising-threats/ 
• https://www.hindustantimes.com/technology/typing-these-6-words-on-google-could-make-you-a-target-for-hackers-101731286153415.html

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Introduction

An age of unprecedented problems has been brought about by the constantly changing technological world, and misuse of deepfake technology has become a reason for concern which has also been discussed by the Indian Judiciary. Supreme Court has expressed concerns about the consequences of this quickly developing technology, citing a variety of issues from security hazards to privacy violations to the spread of disinformation. In general, misuse of deepfake technology is particularly dangerous since it may fool even the sharpest eye because they are almost identical to the actual thing.

SC judge expressed Concerns: A Complex Issue

During a recent speech, Supreme Court Justice Hima Kohli emphasized the various issues that deepfakes present. She conveyed grave concerns about the possibility of invasions of privacy, the dissemination of false information, and the emergence of security threats. The ability of deepfakes to be created so convincingly that they seem to come from reliable sources is especially concerning as it increases the potential harm that may be done by misleading information.

Gender-Based Harassment Enhanced

In this internet era, there is a concerning chance that harassment based on gender will become more severe, as Justice Kohli noted. She pointed out that internet platforms may develop into epicentres for the quick spread of false information by anonymous offenders who act worrisomely and freely. The fact that virtual harassment is invisible may make it difficult to lessen the negative effects of toxic online postings. In response, It is advocated that we can develop a comprehensive policy framework that modifies current legal frameworks—such as laws prohibiting sexual harassment online —to adequately handle the issues brought on by technology breakthroughs.

Judicial Stance on Regulating Deepfake Content

In a different move, the Delhi High Court voiced concerns about the misuse of deepfake and exercised judicial intervention to limit the use of artificial intelligence (AI)-generated deepfake content. The intricacy of the matter was highlighted by a division bench. The bench proposed that the government, with its wider outlook, could be more qualified to handle the situation and come up with a fair resolution. This position highlights the necessity for an all-encompassing strategy by reflecting the court's acknowledgement of the technology's global and borderless character.

PIL on Deepfake 

In light of these worries, an Advocate from Delhi has taken it upon himself to address the unchecked use of AI, with a particular emphasis on deepfake material. In the event that regulatory measures are not taken, his Public Interest Litigation (PIL), which is filed at the Delhi High Court, emphasises the necessity of either strict limits on AI or an outright prohibition. The necessity to discern between real and fake information is at the center of this case. Advocate suggests using distinguishable indicators, such as watermarks, to identify AI-generated work, reiterating the demand for openness and responsibility in the digital sphere.

The Way Ahead: 

Finding a Balance

• The authorities must strike a careful balance between protecting privacy, promoting innovation, and safeguarding individual rights as they negotiate the complex world of deepfakes. The Delhi High Court's cautious stance and Justice Kohli's concerns highlight the necessity for a nuanced response that takes into account the complexity of deepfake technology.
• Because of the increased complexity with which the information may be manipulated in this digital era, the court plays a critical role in preserving the integrity of the truth and shielding people from the possible dangers of misleading technology. The legal actions will surely influence how the Indian judiciary and legislature respond to deepfakes and establish guidelines for the regulation of AI in the nation. The legal environment needs to change as technology does in order to allow innovation and accountability to live together.

Collaborative Frameworks: 

• Misuse of deepfake technology poses an international problem that cuts beyond national boundaries. International collaborative frameworks might make it easier to share technical innovations, legal insights, and best practices. A coordinated response to this digital threat may be ensured by starting a worldwide conversation on deepfake regulation.

Legislative Flexibility: 

• Given the speed at which technology is advancing, the legislative system must continue to adapt. It will be required to introduce new legislation expressly addressing developing technology and to regularly evaluate and update current laws. This guarantees that the judicial system can adapt to the changing difficulties brought forth by the misuse of deepfakes.

AI Development Ethics: 

• Promoting moral behaviour in AI development is crucial. Tech businesses should abide by moral or ethical standards that place a premium on user privacy, responsibility, and openness. As a preventive strategy, ethical AI practices can lessen the possibility that AI technology will be misused for malevolent purposes.

Government-Industry Cooperation: 

• It is essential that the public and commercial sectors work closely together. Governments and IT corporations should collaborate to develop and implement legislation. A thorough and equitable approach to the regulation of deepfakes may be ensured by establishing regulatory organizations with representation from both sectors.

Conclusion

A comprehensive strategy integrating technical, legal, and social interventions is necessary to navigate the path ahead. Governments, IT corporations, the courts, and the general public must all actively participate in the collective effort to combat the misuse of deepfakes, which goes beyond only legal measures. We can create a future where the digital ecosystem is safe and inventive by encouraging a shared commitment to tackling the issues raised by deepfakes. The Government is on its way to come up with dedicated legislation to tackle the issue of deepfakes. Followed by the recently issued government advisory on misinformation and deepfake.

References:

• https://www.medianama.com/2023/12/223-chaitanya-rohilla-petition-deepfakes-delhi-hc/
• https://legal.economictimes.indiatimes.com/news/litigation/sc-judge-voices-concern-over-online-harassment-says-deepfake-tech-raises-privacy-invasion-alarms/105872768