#FactCheck - Digitally Altered Video of Olympic Medalist, Arshad Nadeem’s Independence Day Message

Introduction

Cybersecurity remains a crucial component in the modern digital era, considering the growing threat landscape caused by our increased reliance on technology and the internet. The Karnataka Government introduced a new ‘Cyber Security Policy 2024’ to address increasing cybercrimes and enhance protection measures for the State's digital infrastructure through awareness, skill development, public-private collaborations, and technology integration. Officials stated that the policy highlights various important aspects including raising awareness and providing education, developing skills, supporting the industry and start-ups, as well as forming partnerships and collaborations for enhancing capacity.

Key Highlights

• The policy consists of two components. The initial segment emphasizes creating a robust cyber security environment involving various sectors such as the public, academia, industry, start-ups, and government. The second aspect of the policy aims to enhance the cybersecurity status of the State's IT resources. Although the initial section will be accessible to the public, the second portion will be restricted to the state's IT teams and departments for their IT implementation.
• The Department of Electronics, IT, BT and S&T, the Department of Personnel and Administrative Reforms (e-Governance),and the Home Department, in collaboration with stakeholders from government and private sectors, have collectively formulated this policy. The Indian Institute of Science, the main institute for the state's K-tech Centre of Excellence for Cyber Security (CySecK), also examined the policy.
• The Department of Electronics, IT, BT and S&T, the Department of Personnel and Administrative Reforms (e-Governance),and the Home Department, in collaboration with stakeholders from government and private sectors, have collectively formulated this policy. The Indian Institute of Science, the main institute for the state's K-tech Centre of Excellence for Cyber Security (CySecK), also examined the policy.
• Approximately ₹103.87 crore will be spent over five years to implement the policy, which would be fulfilled from the budget allocated to the Department of Information Technology and Biotechnology and Science & Technology. A total of ₹23.74 crore would be allocated for offering incentives and concessions.
• The policy focuses on key pillars of building awareness and skills, promoting research and innovation, promoting industry and start-ups, partnerships and collaborations for capacity building.
• Karnataka-based undergraduate and postgraduate interns will receive a monthly stipend of INR 10,000- Rs15,000 fora maximum duration of three months under the internship program. The goal is to support 600 interns at the undergraduate level and 120 interns at the post-graduate level within the policy timeframe.
• Karnataka-based start-ups collaborating with academic institutes can receive matching grants of up to 50% of the total R&D cost for cybersecurity projects, or a maximum of ₹50 lakh.
• Reimbursement will be provided for expenses up to a maximum of INR 1 Lakh for start-ups registered with Karnataka Start-up Cell who engage CERT-In empanelled service providers from Karnataka for cyber security audit.
• The Karnataka government has partnered with Meta to raise awareness on cyber security. By reaching out to educational institutions, schools and colleges, it is piloted to provide training to 1 lakh teachers and educate 1 million children on online safety.

CyberPeace Policy Wing Outlook

The Cyber Security Policy, 2024 launched by the Karnataka government is a testament to the state government's commitment to strengthening the cyber security posture and establishing cyber resilience. By promoting and supporting research and development projects, supporting startups, and providing skill training internships, and capacity building at a larger scale, the policy will serve asa positive step in countering the growing cyber threats and establishing a peaceful digital environment for all. The partnership and collaboration with tech companies will be instrumental in implementing the capacity-building initiatives aimed at building cognitive and skill defenses while navigating the digital world. The policy will inspire other state governments in their policy initiatives for building safe and secure cyber-infrastructure in the states by implementing strategies tailored to the specific needs and demands of each state in building safe digital infrastructure and environment.

References:

• https://www.hindustantimes.com/cities/bengaluru-news/karnataka-govt-launches-new-cyber-security-policy-amid-frequent-scams-101722598078117.html
• https://ciso.economictimes.indiatimes.com/amp/news/grc/karnataka-govt-launches-new-cyber-security-policy/112214121
• https://cybermithra.in/2024/08/09/karnataka-cyber-security-policy/

• https://itbtst.karnataka.gov.in/storage/pdf-files/ITBT48ADM2021EngCABINET-GO.pdf

Introduction

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The courts in India have repeatedly emphasised the importance of “enhanced customer protection” and “limited liability” on their part. The rationale behind such imperatives is to extend security against exploitation by institutions that are equipped with all the means to manipulate customers. India, with its looming financial literacy gaps that have to be addressed, needs to curb any manipulation on the part of banking institutions. Various studies have highlighted this gap in recent times; for example, according to the National Centre for Financial Education, only 27% of Indian people are financially literate, which is much less than the 42% global average. With only 19% of millennials exhibiting sufficient financial awareness yet expressing high trust in their financial skills, the issue is very worrisome. Thus, the increasing number of financial frauds intensifies the issue. 

Zero Liability in Cyber Frauds: Regulatory Safeguards for Digital Banking Customers

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In light of the growing emphasis on financial inclusion and consumer protection, and in response to the recent rise in complaints regarding unauthorised debits from customer accounts and cards, the framework for assessing customer liability in such cases has been re-evaluated. The RBI’s circular dated July 6, 2017 titled “Customer Protection-Limited Liability of Customers in Unauthorised Electronic Banking Transactions”  serves as the foundation for regulatory protections for Indian customers of digital banking. A clear and organised framework for determining customer accountability is outlined in the circular, which acknowledges the exponential increase in electronic transactions and related scams. It assigns proportional obligations for unauthorised transactions resulting from system-level breaches, client carelessness, and bank contributory negligence. Most importantly it establishes the zero responsibility concept, which protects clients from monetary losses in cases when the bank or another system component is at fault and the client promptly reports the breach. 

This directive’s sophisticated approach to consumer protection is what makes it unique. It requires banks to set up strong fraud prevention systems, proactive alerting systems, and round-the-clock reporting systems. Furthermore, it significantly alters the power dynamics between financial institutions and customers by placing the onus of demonstrating customer negligence completely on the bank. The circular emphasises prompt reversal of funds to impacted customers and requires banks to implement Board-approved policies on liability to redress. As a result, it is a consumer rights charter rather than just a compliance document, promoting confidence and financial accountability in India’s digital banking sector. 

Judicial Endorsement in Reinforcing the Zero Liability Principle

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 In the case of Suresh Chandra Negi & Anr. v. Bank of Baroda & Ors. (Writ (C) No. 24192 of 2022) The Allahabad High Court reaffirmed that the burden of proving consumer accountability rests firmly on the banking institution, hence reaffirming the zero liability concept in circumstances of unapproved electronic banking transactions. The Division bench emphasised the regulatory requirement that banks provide adequate proof before assigning blame to customers, citing Clause 12 of the RBI’s circular dated June 6, 2017, Customer Protection—Limited Liability of Customers in Unauthorised Electronic Banking Transactions. In a similar scenario, the Bombay HC held that a customer is entitled to zero liability when an authorized transaction occurs due to a third-party breach, where the deficiency lies neither with the bank nor the customer, provided the fraud is promptly reported. 

The zero liability principle, as envisaged under Clause 8 of the RBI circular, has emerged as a cornerstone of consumer protection in India’s digital banking ecosystem.  

Another landmark judgment that has given this principle the front stage in addressing banking frauds is Hare Ram Singh vs RBI &Ors. (W.P. (C) 13497/2022) laid down by Delhi HC which is an important legal turning point in the development of the zero liability principle under the RBI’s 2017 framework. The court reiterated the need to evaluate customer diligence in light of new fraud tactics like phishing and vishing by holding the State Bank of India (SBI) liable for a cyber fraud incident even though the transactions were authenticated by OTP. The ruling made it clear that when complex social engineering or technical manipulation is used, banks are nonetheless accountable even if they only rely on OTP validation. The legal protection provided to victims of unauthorised electronic banking transactions is strengthened by the court’s emphasis on the bank having the burden of evidence in accordance with RBI standards. 

Importantly, this ruling lays the full burden of securing digital banking systems on financial organisations and supports the judiciary’s increasing acknowledgement of the digital asymmetry between banks and consumers. It emphasises that prompt consumer reporting, banks’ failure to disclose important credentials, and their own operational errors must all be taken into consideration when determining culpability. As a result, this decision establishes a strong precedent that will increase consumer confidence, promote systemic advancements in digital risk management, and better integrate the zero liability standard into Indian digital banking law. In a time when cyber vulnerabilities are growing, it acts as a beacon for financial accountability. 

Conclusion

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The Zero Liability Principle serves as a vital safety net for customers navigating an increasingly intricate and precarious financial environment in a time when digital transactions are the foundation of contemporary banking. In addition to codifying strong safeguards against unauthorized electronic transactions, the RBI’s 2017 framework rebalanced  the fiduciary relationship by putting financial institutions squarely in charge. Through significant rulings, the courts have upheld this protective culture and emphasised that banks, not the victims of cybercrime, bear the burden of proof. 

It would be crucial to execute these principles consistently, review them frequently, and raise public awareness as India transitions to a more digital economy. In order to ensure that consumers are not only protected but also empowered must become more than just a policy on paper. 

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References

• https://www.business-standard.com/content/specials/making-money-vs-managing-money-india-s-critical-financial-literacy-gap-125021900786_1.html 
• https://www.livelaw.in/high-court/allahabad-high-court/allahabad-high-court-ruling-bank-liability-unauthorized-electronic-transaction-and-customer-fault-297962 
• https://www.mondaq.com/india/white-collar-crime-anti-corruption-fraud/1635616/cyber-law-series-2-issue-10-the-zero-liability-principle-in-cyber-fraud-hare-ram-singh-v-reserve-bank-of-india-ors-case 

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Introduction

Intricate and winding are the passageways of the modern digital age, a place where the reverberations of truth effortlessly blend, yet hauntingly contrast, with the echoes of falsehood. The latest thread in this fabric of misinformation is a claim that has scurried through the virtual windows of social media platforms, gaining the kind of traction that is both revelatory and alarming of our times. It is a narrative that speaks to the heart of India's cultural and religious fabric—the construction of the Ram Temple in Ayodhya, a project enshrined in the collective consciousness of a nation and steeped in historical significance.

The claim in question, a spectre of misinformation, suggests that the Ram Temple's construction has been covertly shifted 3 kilometres from its original, hallowed ground—the birthplace, as it were, of Lord Ram. This assertion, which spread through the echo chambers of social media, has been bolstered by a screenshot of Google Maps, a digital cartographer that has accidentally become a pawn in this game of truth and deception. The image purports to showcase the location of Ram Mandir as distinct and distant from the site where the Babri Masjid once stood, a claim went viral on social media and has caught the public's reactions.

The Viral Tempest 

In the face of such a viral tempest, IndiaTV's fact-checking arm, IndiaTVFactCheck, has stepped into the fray, wielding the sword of veracity against the Goliath of falsehood. Their investigation into this viral claim was meticulous, a deep dive into the digital representations that have fueled this controversy. Upon examining the viral Google Maps screenshot, they noticed markings at two locations: one labelled as Shri Ram Janmabhoomi Temple and the other as Babri Masjid. The latter, upon closer inspection and with the aid of Google's satellite prowess, was revealed to be the Shri Sita-Ram Birla Temple, a place of worship that stands in quiet dignity, far removed from the contentious whispers of social media.

The truth, as it often does, lay buried beneath layers of user-generated content on Google Maps, where the ability to tag any location with a name has sometimes led to the dissemination of incorrect information. This can be corrected, of course, but not before it has woven itself into the fabric of public discourse. The fact-check by IndiaTV revealed that the location mentioned in the viral screenshot is, indeed, the Shri Sita-Ram Birla Temple and the Ram Temple is being constructed at its original, intended site.

This revelation is not merely a victory for truth over falsehood but also a testament to the resilience of facts in the face of a relentless onslaught of misinformation. It is a reminder that the digital realm, for all its wonders, is also a shadowy theatre where narratives are constructed and deconstructed with alarming ease. The very basis of all the fake narratives that spread around significant events, such as the consecration ceremony of the Ram Temple, is the manipulation of truth, the distortion of reality to serve nefarious ends of spreading misinformation.

Fake Narratives; Misinformation

Consider the elaborate fake narratives spun around the ceremony, where hours have been spent on the internet building a web of deceit. Claims such as 'Mandir wahan nahin banaya gaya' (The temple is not being built at the site of the demolition) and the issuance of new Rs 500 notes for the Ram Mandir were some pieces of misinformation that went viral on social media amid the preparations for the consecration ceremony. These repetitive claims, albeit differently worded, were spread to further a single narrative on the internet, a phenomenon that a study published in Nature said could be attributed to people taking some peripheral cues as signals for truth, which can increase with repetition.

The misinformation incidents surrounding the Ram Temple in Ayodhya are a microcosm of the larger battle between truth and misinformation. The false claims circulating online assert that the ongoing construction is not taking place at the original Babri Masjid site but rather 3 kilometres away. This misinformation, shared widely on social media has been debunked upon closer examination. The claim is based on a screenshot of Google Maps showing two locations: the construction site of the Shri Ram Janmabhoomi Temple and another spot labeled 'Babar Masjid permanently closed' situated 3 kilometers away. The assertion questions the legitimacy of demolishing the Babri Masjid if the temple is being built elsewhere. However, a thorough fact-check reveals the claim to be entirely unfounded.

Deep Scrutiny

Upon scrutiny, the screenshot indicates that the second location marked as 'Babar Masjid' is, in fact, the Sita-Ram Birla Temple in Ayodhya. This is verified by comparing the Google Maps satellite image with the actual structure of the Birla Temple. Notably, the viral screenshot misspells 'Babri Masjid' as 'Babar Masjid,' casting doubt on its credibility. Satellite images from Google Earth Pro clearly depict the construction of a temple-like structure at the precise coordinates of the original Babri Masjid demolition site (26°47'43.74'N 82°11'38.77'E). Comparing old and new satellite images further confirms that major construction activities began in 2011, aligning with the initiation of the Ram Temple construction.

Moreover, existing photographs of the Babri Masjid, though challenging to precisely match, share essential structural elements with the current construction site, reinforcing the location as the original site of the mosque. Hence the viral claim that the Ram Temple is being constructed 3 kilometers away from the Babri Masjid site is indubitably false. Evidence from historical photographs, satellite images and google images conclusively refute this misinformation, attesting that the temple construction is indeed taking place at the same location as the original Babri Masjid.

Viral Misinformation: A false claim based on a misleading Google Maps screenshot suggests the Ram Temple construction in Ayodhya has been covertly shifted 3 kilometres away from its original Babri Masjid site.

Fact Check Revealed: IndiaTVFactCheck debunked the misinformation, confirming that the viral screenshot actually showed the Shri Sita-Ram Birla Temple, not the Babri Masjid site. The Ram Temple is indeed being constructed at its original, intended location, exposing the falsehood of the claim.

Conclusion 

The case of the Ram Temple is a pitiful reminder of the power of misinformation and the significance of fact-checking in preserving the integrity of truth. It is a clarion call to question, to uphold the integrity of facts in a world increasingly stymied in the murky waters of falsehoods. Widespread misinformation highlights the critical role of fact-checking in dispelling false narratives. It serves as a reminder of the ongoing battle between truth and misinformation in the digital age, emphasising the importance of upholding the integrity of facts for a more informed society. 

References 

• https://www.indiatvnews.com/fact-check/fact-check-is-ram-temple-being-built-3-km-away-from-the-birthplace-here-truth-behind-viral-claim-2024-01-19-912633
• https://www.thequint.com/news/webqoof/misinformation-spread-around-events-ayodhya-ram-mandir-g20-elections-bharat-jodo-yatra

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