#FactCheck - Manipulated Image Alleging Disrespect Towards PM Circulates Online

The concept of web accessibility (i.e., access to the internet) stems from the recognition of internet access as an inalienable right. In 2016, the United Nations Human Rights Commission (UNHRC) General Assembly referred to the access to Internet as an essential human right. The Supreme Court of India also declared such internet access as a fundamental right under the Constitution of India. Various international instruments of which India is a signatory, such as the United Nations Convention on Rights of Persons with Disabilities (UNCRPD) mandate access to information. The heavy reliance on the internet and websites necessitates making the web space inclusive, navigational and accessible to all individuals, including persons with disabilities.

Various laws mandate web accessibility:

• Right of Persons with Disability Act, 2016: The Right of Persons with Disability Act 2016 Is the primary document for the protection of the rights of persons with disabilities to ensure their full participation. The Act provides several direct and indirect provisions (such as Section 2(y) “Reasonable Accommodation”, Section 40 on “Accessibility”, and Section 42 on “Access to Information and Communication Technology”) to ensure that technology products and services are accessible to a person with disabilities. 
• Rights of Persons with Disabilities Rules 2017: The 2017 rules under Rule 15 (2) task the respective Ministries and Departments to ensure compliance with accessibility standards.
• Guidelines for Indian Government Websites (GIGW): The GIGW provide a framework for websites to be designed in accordance with Web Content Accessibility Guidelines (WCAG) 2.0 standards. The GIGW enables websites to obtain certification by the Standardisation Testing and Quality Certification Directorate, after audit. 

Various other policies include;

• National Policy on Universal Electronic Accessibility, 2013: The National Policy ("Policy") on Electronic Accessibility recognizes the need to eliminate discrimination on the basis of disabilities and to facilitate equal access to Electronics & ICTs. The National Policy also recognizes the diversity of differently-abled persons and provides for their specific needs. The Policy covers accessibility requirements in the area of Electronics & ICT by different stakeholders. It recognizes the need to ensure that accessibility standards, guidelines and universal design concepts are adopted and adhered to.
• Web Content Accessibility Guidelines (WCAG): The WCAG defines how to make web content more accessible to persons with disabilities. While adhering to these guidelines is optional, various versions of the WCAG have been issued. It operates on four principles; perceivable, operable, understandable and robust. It provides a path to ensuring compliance and demonstrating reasonable accommodation for persons with disabilities.

However, despite the laws, web accessibility remains a challenge. A vast majority of Indian websites, especially e-commerce entities and several government websites remain inaccessible to persons with disabilities and most often do not conform with international accessibility standards. A report by the Centre of Internet and Society states that out of the 7800 websites of the Government of India, 5815 had accessibility barriers and 1985 websites failed to open. The report also notes that more than half of the websites had no navigation markup and only 52 websites had the option to change colours. The Ministry of Electronics and Information Technology (MeITy), during the 258^th Session of the Rajya Sabha on 9 December 2022 noted that 95 websites of the Central Government have been made accessible to persons with disabilities during the COVID-19 pandemic, however, only 45 websites of the Central Government have been certified as compliant under the Guidelines for Indian Government Websites (GIGW). As of that date, certification of the remaining governmental websites remains incomplete due to the pandemic. Meity also stated that the Department of Empowerment of Persons with Disabilities in 2017 sanctioned a project to be implemented by ERNET India for making 917 websites of State and Union territories. Under the project, a total of 647 websites have been made accessible as of that date.

Conclusion 

While India has established a robust legal framework and policies emphasizing the importance of web accessibility as a fundamental right, the existing gap between legislation and effective implementation poses a significant challenge. The reported accessibility barriers on numerous government and e-commerce websites indicate a pressing need for heightened efforts in enforcing and enhancing accessibility standards. 

In addressing these challenges, continued collaboration between government agencies, private entities and advocacy groups can play a crucial role. Ongoing monitoring, regular audits and public awareness campaigns may contribute to improving accessibility for persons with disabilities to ensure an inclusive environment and compliance with fundamental laws.

References:

1. https://www.legalserviceindia.com/legal/article-2967-right-to-internet-and-fundamental-rights.html 
2. https://www.indiacode.nic.in/bitstream/123456789/15939/1/the_rights_of_persons_with_disabilities_act%2C_2016.pdf 
3. https://www.meity.gov.in/writereaddata/files/National%20Policy%20on%20Universal%20Electronics%281%29_0.pdf 
4. https://www.meity.gov.in/writereaddata/files/National%20Policy%20on%20Universal%20Electronics%281%29_0.pdf 
5. https://www.w3.org/TR/WCAG21/#:~:text=Web%20Content%20Accessibility%20Guidelines%20(WCAG)%202.1%20defines%20how%20to%20make,%2C%20learning%2C%20and%20neurological%20disabilities. 
6. https://www.boia.org/blog/india-digital-accessibility-laws-an-overview
7. https://cis-india.org/accessibility/accessibility-of-govt-websites.pdf/view 
8. https://sansad.in/rs/questions/questions-and-answers  

Executive Summary:

Given that AI technologies are evolving at a fast pace in 2024, an AI-oriented phishing attack on a large Indian financial institution illustrated the threats. The documentation of the attack specifics involves the identification of attack techniques, ramifications to the institution, intervention conducted, and resultant effects. The case study also turns to the challenges connected with the development of better protection and sensibilisation of automatized threats. 

Introduction

Due to the advancement in AI technology, its uses in cybercrimes across the world have emerged significant in financial institutions. In this report a serious incident that happened in early 2024 is analysed, according to which a leading Indian bank was hit by a highly complex, highly intelligent AI-supported phishing operation. Attack made use of AI’s innate characteristic of data analysis and data persuasion which led into a severe compromise of the bank’s internal structures.

Background

The chosen financial institution, one of the largest banks in India, had a good background regarding the extremity of its cybersecurity policies. However, these global cyberattacks opened up new threats that AI-based methods posed that earlier forms of security could not entirely counter efficiently. The attackers concentrated on the top managers of the bank because it is evident that controlling such persons gives the option of entering the inner systems as well as financial information. 

Attack Execution

The attackers utilised AI in sending the messages that were an exact look alike of internal messages sent between employees. From Facebook and Twitter content, blog entries, and lastly, LinkedIn connection history and email tenor of the bank’s executives, the AI used to create these emails was highly specific. Some of these emails possessed official formatting, specific internal language, and the CEO’s writing; this made them very realistic. 

 It also used that link in phishing emails that led the users to a pseudo internal portal in an attempt to obtain the login credentials. Due to sophistication, the targeted individuals thought the received emails were genuine, and entered their log in details easily to the bank’s network, thus allowing the attackers access. 

Impact

It caused quite an impact to the bank in every aspect. Numerous executives of the company lost their passwords to the fake emails and compromised several financial databases with information from customer accounts and transactions. The break-in permitted the criminals to cease a number of the financial’s internet services hence disrupting its functions and those of its customers for a number of days. 

 They also suffered a devastating blow to their customer trust because the breach revealed the bank’s weakness against contemporary cyber threats. Apart from managing the immediate operations which dealt with mitigating the breach, the financial institution was also toppling a long-term reputational hit. 

Technical Analysis and Findings

1. The AI techniques that are used in generation of the phishing emails are as follows: 

•  The attack used powerful NLP technology, which was most probably developed using the large-scaled transformer, such as GPT (Generative Pre-trained Transformer). Since these models are learned from large data samples they used the examples of the conversation pieces from social networks, emails and PC language to create quite credible emails. 

 Key Technical Features: 

•  Contextual Understanding: The AI was able to take into account the nature of prior interactions and thus write follow up emails that were perfectly in line with prior discourse. 
•  Style Mimicry: The AI replicated the writing of the CEO given the emails of the CEO and then extrapolated from the data given such elements as the tone, the language, and the format of the signature line. 
•  Adaptive Learning: The AI actively adapted from the mistakes, and feedback to tweak the generated emails for other tries and this made it difficult to detect. 

2. Sophisticated Spear-Phishing Techniques

Unlike ordinary phishing scams, this attack was phishing using spear-phishing where the attackers would directly target specific people using emails. The AI used social engineering techniques that significantly increased the chances of certain individuals replying to certain emails based on algorithms which machine learning furnished. 

 Key Technical Features: 

•  Targeted Data Harvesting: Cyborgs found out the employees of the organisation and targeted messages via the public profiles and messengers were scraped. 
•  Behavioural Analysis: The latest behaviour pattern concerning the users of the social networking sites and other online platforms were used by the AI to forecast the courses of action expected to be taken by the end users such as clicking on the links or opening of the attachments. 
•  Real-Time Adjustments: These are times when it was determined that the response to the phishing email was necessary and the use of AI adjusted the consequent emails’ timing and content. 

3. Advanced Evasion Techniques

The attackers were able to pull off this attack by leveraging AI in their evasion from the normal filters placed in emails. These techniques therefore entailed a modification of the contents of the emails in a manner that would not be easily detected by the spam filters while at the same time preserving the content of the message. 

Key Technical Features: 

•  Dynamic Content Alteration: The AI merely changed the different aspects of the email message slightly to develop several versions of the phishing email that would compromise different algorithms. 
•  Polymorphic Attacks: In this case, polymorphic code was used in the phishing attack which implies that the actual payloads of the links changed frequently, which means that it was difficult for the AV tools to block them as they were perceived as threats. 
•  Phantom Domains: Another tactic employed was that of using AI in generating and disseminating phantom domains, that are actual web sites that appear to be legitimate but are in fact short lived specially created for this phishing attack, adding to the difficulty of detection. 

4. Exploitation of Human Vulnerabilities

This kind of attack’s success was not only in AI but also in the vulnerability of people, trust in familiar language and the tendency to obey authorities. 

Key Technical Features: 

•  Social Engineering: As for the second factor, AI determined specific psychological principles that should be used in order to maximise the chance of the targeted recipients opening the phishing emails, namely the principles of urgency and familiarity. 
•  Multi-Layered Deception: The AI was successfully able to have a two tiered approach of the emails being sent as once the targeted individuals opened the first mail, later the second one by pretext of being a follow up by a genuine company/personality. 

Response

On sighting the breach, the bank’s cybersecurity personnel spring into action to try and limit the fallout. They reported the matter to the Indian Computer Emergency Response Team (CERT-In) to find who originated the attack and how to block any other intrusion. The bank also immediately started taking measures to strengthen its security a bit further, for instance, in filtering emails, and increasing the authentication procedures. 

 Knowing the risks, the bank realised that actions should be taken in order to enhance the cybersecurity level and implement a new wide-scale cybersecurity awareness program. This programme consisted of increasing the awareness of employees about possible AI-phishing in the organisation’s info space and the necessity of checking the sender’s identity beforehand.

Outcome

Despite the fact and evidence that this bank was able to regain its functionality after the attack without critical impacts with regards to its operations, the following issues were raised. Some of the losses that the financial institution reported include losses in form of compensation of the affected customers and costs of implementing measures to enhance the financial institution’s cybersecurity. However, the principle of the incident was significantly critical of the bank as customers and shareholders began to doubt the organisation’s capacity to safeguard information in the modern digital era of advanced artificial intelligence cyber threats. 

 This case depicts the importance for the financial firms to align their security plan in a way that fights the new security threats. The attack is also a message to other organisations in that they are not immune from such analysis attacks with AI and should take proper measures against such threats.

Conclusion

The recent AI-phishing attack on an Indian bank in 2024 is one of the indicators of potential modern attackers’ capabilities. Since the AI technology is still progressing, so are the advances of the cyberattacks. Financial institutions and several other organisations can only go as far as adopting adequate AI-aware cybersecurity solutions for their systems and data. 

 Moreover, this case raises awareness of how important it is to train the employees to be properly prepared to avoid the successful cyberattacks. The organisation’s cybersecurity awareness and secure employee behaviours, as well as practices that enable them to understand and report any likely artificial intelligence offences, helps the organisation to minimise risks from any AI attack.

Recommendations

1. Enhanced AI-Based Defences: Financial institutions should employ AI-driven detection and response products that are capable of mitigating AI-operation-based cyber threats in real-time. 
2.  Employee Training Programs: CYBER SECURITY: All employees should undergo frequent cybersecurity awareness training; here they should be trained on how to identify AI-populated phishing. 
3.  Stricter Authentication Protocols: For more specific accounts, ID and other security procedures should be tight in order to get into sensitive ones. 
4.  Collaboration with CERT-In: Continued engagement and coordination with authorities such as the Indian Computer Emergency Response Team (CERT-In) and other equivalents to constantly monitor new threats and valid recommendations. 
5.  Public Communication Strategies: It is also important to establish effective communication plans to address the customers of the organisations and ensure that they remain trusted even when an organisation is facing a cyber threat. 

Through implementing these, financial institutions have an opportunity for being ready with new threats that come with AI and cyber terrorism on essential financial assets in today’s complex IT environments.

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Executive Summary:

In the age of virtuality, misinformation and misleading techniques shape the macula of the internet, and these threaten human safety and well-being. Recently, an alarming fake information has surfaced, intended to provide a fake Government subsidy scheme with the name of Indian Post. This serves criminals, who attack people's weaknesses, laying them off with proposals of receiving help in exchange for info. In this informative blog, we take a deep dive into one of the common schemes of fraud during this time. We will go through the stages involved which illustrates how one is deceived and offer practical tips to avoid the fall.

Introduction:

Digital communication reaches individuals faster, and as a result, misinformation and mails have accelerated their spread globally. People, therefore, are susceptible to online scams as they add credibility to phenomena. In India, the recently increased fake news draws its target with the deceptive claims of being a subsidy from the Government mainly through the Indian post. These fraudulent schemes frequently are spread via social networks and messaging platforms, influence trust of the individual’s in respectable establishments to establish fraud and collect private data. 

Understanding the Claim:

There is a claim circulating on the behalf of the Government at the national level of a great subsidy of $1066 for deserving residents. The individual will be benefited with the subsidy when they complete the questionnaire they have received through social media. The questionnaire may have been designed to steal the individual’s confidential information by way of taking advantage of naivety and carelessness.

The Deceptive Journey Unveiled:

Bogus Offer Presentation: The scheme often appeals to people, by providing a misleading message or a commercial purposely targeted at convincing them to act immediately by instilling the sense of an urgent need. Such messages usually combine the mood of persuasion and highly evaluative material to create an illusion of being authentic.

Questionnaire Requirement: After the visitors land on attractive content material they are directed to fill in the questionnaire which is supposedly required for processing the economic assistance. This questionnaire requests for non private information in their nature.

False Sense of Urgency: Simultaneously, in addition to the stress-causing factor of it being a fake news, even the false deadline may be brought out to push in the technique of compliance. This data collection is intended to put people under pressure and influence them to make the information transfer that immediate without thorough examination.

Data Harvesting Tactics: Despite the financial help actually serving, you might be unaware but lies beneath it is a vile motive, data harvesting. The collection of facts through questionnaires may become something priceless for scammers that they can use for a good while to profit from identity theft, financial crimes and other malicious means.

Analysis Highlights:

• It is important to note that at this particular point, there has not been any official declaration or a proper confirmation of an offer made by the India Post or from the Government. So, people must be very careful when encountering such messages because they are often employed as lures in phishing attacks or misinformation campaigns. Before engaging or transmitting such claims, it is always advisable to authenticate the information from trustworthy sources in order to protect oneself online and prevent the spread of wrongful information
• The campaign is hosted on a third party domain instead of any official Government Website, this raised suspicion. Also the domain has been registered in very recent times.

• Domain Name: ccn-web[.]buzz
• Registry Domain ID: D6073D14AF8D9418BBB6ADE18009D6866-GDREG
• Registrar WHOIS Server: whois[.]namesilo[.]com
• Registrar URL: www[.]namesilo[.]com
• Updated Date: 2024-02-27T06:17:21Z
• Creation Date: 2024-02-11T03:23:08Z
• Registry Expiry Date: 2025-02-11T03:23:08Z
• Registrar: NameSilo, LLC
• Name Server: tegan[.]ns[.]cloudflare[.]com
• Name Server: nikon[.]ns[.]cloudflare[.]com

Note: Cybercriminal used Cloudflare technology to mask the actual IP address of the fraudulent website. 

CyberPeace Advisory:

Verification and Vigilance: It makes complete sense in this case that you should be cautious and skeptical. Do not fall prey to this criminal act. Examine the arguments made and the facts provided by either party and consult credible sources before disclosures are made.

Official Channels: Governments usually invoke the use of reliable channels which can as well be by disseminating subsidies and assistance programs through official websites and the legal channels. Take caution for schemes that are not following the protocols previously established.

Educational Awareness: Providing awareness through education and consciousness about on-line scams and the approaches which are fraudulent has to be considered a primary requirement. Through empowering individuals with capabilities and targets we, as a collective, can be armed with information that will prevent erroneous scheme spreading.

Reporting and Action: In a case of mission suspicious and fraudulent images, let them understand immediately by making the authorities and necessary organizations alert. Your swift actions do not only protect yourself but also help others avoid the costs of related security compromises.

Conclusion:

The rise of the ‘Indian Post Countrywide - government subsidy fake news’ poses a stern warning of the present time that the dangers within the virtual ecosystem are. The art of being wise and sharp in terms of scams always reminds us to show a quick reaction to the hacks and try to do the things that we should identify as per the CyberPeace advisories; thereby, we will contribute to a safer Cyberspace for everyone. Likewise, the ability to critically judge, and remain alert, is important to help defeat the variety of tricks offenders use to mislead you online.

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