#FactCheck - Viral Post of Gautam Adani’s Public Arrest Found to Be AI-Generated

Introduction:

This report examines ongoing phishing scams targeting "State Bank of India (SBI)" customers, India's biggest public bank using fake SelfKYC APKs to trick people. The image plays a part in a phishing plan to get users to download bogus APK files by claiming they need to update or confirm their "Know Your Customer (KYC)" info.

Fake Claim:

A picture making the rounds on social media comes with an APK file. It shows a phishing message that says the user's SBI YONO account will stop working because of their "Old PAN card." It then tells the user to install the "WBI APK" APK (Android Application Package) to check documents and keep their account open. This message is fake and aims to get people to download a harmful app.

Key Characteristics of the Scam:

• The messages "URGENTLY REQUIRED" and "Your account will be blocked today" show how scammers try to scare people into acting fast without thinking.
• PAN Card Reference: Crooks often use PAN card verification and KYC updates as a trick because these are normal for Indian bank customers.
• Risky APK Downloads: The message pushes people to get APK files, which can be dangerous. APKs from places other than the Google Play Store often have harmful software.
• Copying the Brand: The message looks a lot like SBI's real words and logos to seem legit.
• Shady Source: You can't find the APK they mention on Google Play or SBI's website, which means you should ignore the app right away.

Modus Operandi:

• Delivery Mechanism: Typically, users of messaging services like "WhatsApp," "SMS," or "email" receive identical messages with an APK link, which is how the scam is distributed.
• APK Installation: The phony APK frequently asks for a lot of rights once it is  installed, including access to "SMS," "contacts," "calls," and "banking apps."
• Data Theft: Once installed, the program may have the ability to steal card numbers, personal information, OTPs, and banking credentials.
• Remote Access: These APKs may occasionally allow cybercriminals to remotely take control of the victim's device in order to carry out fraudulent financial activities.

While the user installs the application on their device the following interface opens: 

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It asks the user to allow the following:

• SMS is used to send and receive info from the bank.
• User details such as Username, Password, Mobile Number, and Captcha. 

Technical Findings of the Application:

Static Analysis:

• File Name: SBI SELF KYC_015850.apk
• Package Name: com.mark.dot.comsbione.krishn
• Scan Date: Sept. 25, 2024, 6:45 a.m.
• App Security Score: 52/100 (MEDIUM RISK)
• Grade: B

File Information:

• File Name: SBI SELF KYC_015850.apk
• Size: 2.88MB
• MD5: 55fdb5ff999656ddbfa0284d0707d9ef
• SHA1: 8821ee6475576beb86d271bc15882247f1e83630
• SHA256: 54bab6a7a0b111763c726e161aa8a6eb43d10b76bb1c19728ace50e5afa40448

App Information:

• App Name: SBl Bank
• Package Name:: com.mark.dot.comsbione.krishn
• Main Activity: com.mark.dot.comsbione.krishn.MainActivity
• Target SDK: 34
• Min SDK: 24
• Max SDK:
• Android Version Name:: 1.0
• Android Version Code:: 1

App Components:

• Activities: 8
• Services: 2
• Receivers: 2
• Providers: 1
• Exported Activities: 0
• Exported Services: 1
• Exported Receivers: 2
• Exported Providers:: 0

Certificate Information:

• Binary is signed
• v1 signature: False
• v2 signature: True
• v3 signature: False
• v4 signature: False
• X.509 Subject: CN=PANDEY, OU=PANDEY, O=PANDEY, L=NK, ST=NK, C=91
• Signature Algorithm: rsassa_pkcs1v15
• Valid From: 20240904 07:38:35+00:00
• Valid To: 20490829 07:38:35+00:00
• Issuer: CN=PANDEY, OU=PANDEY, O=PANDEY, L=NK, ST=NK, C=91
• Serial Number: 0x1
• Hash Algorithm: sha256
• md5: 4536ca31b69fb68a34c6440072fca8b5
• sha1: 6f8825341186f39cfb864ba0044c034efb7cb8f4
• sha256: 6bc865a3f1371978e512fa4545850826bc29fa1d79cdedf69723b1e44bf3e23f
• sha512:05254668e1c12a2455c3224ef49a585b599d00796fab91b6f94d0b85ab48ae4b14868dabf16aa609c3b6a4b7ac14c7c8f753111b4291c4f3efa49f4edf41123d
• PublicKey Algorithm: RSA
• Bit Size: 2048
• Fingerprint: a84f890d7dfbf1514fc69313bf99aa8a826bade3927236f447af63fbb18a8ea6
• Found 1 unique certificate

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App Permission 

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1. Normal Permissions

• Access_network_state: Allows the App to View the Network Status of All Networks.
• Foreground_service: Enables Regular Apps to Use Foreground Services.
• Foreground_service_data_sync: Allows Data Synchronization With Foreground Services.
• Internet: Grants Full Internet Access.

2. Signature Permission:

• Broadcast_sms: Sends Sms Received Broadcasts. It Can Be Abused by Malicious Apps to Forge Incoming Sms Messages.

3. Dangerous Permissions:

• Read_phone_numbers: Grants Access to the Device’s Phone Number(S).
• Read_phone_state: Reads the Phone’s State and Identity, Including Phone Features and Data.
• Read_sms: Allows the App to Read Sms or Mms Messages Stored on the Device or Sim Card. Malicious Apps Could Use This to Read Confidential Messages.
• Receive_sms: Enables the App to Receive and Process Sms Messages. Malicious Apps Could Monitor or Delete Messages Without Showing Them to the User.
• Send_sms: Allows the App to Send Sms Messages. Malicious Apps Could Send Messages Without the User’s Confirmation, Potentially Leading to Financial Costs.

On further analysis on virustotal platform using md5 hash file, the following results were retrieved where there are 24 security vendors out of 68, marked this apk file as malicious and the graph represents the distribution of malicious file in the environment.

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Key Takeaways:

• Normal Permissions: Generally Safe for Accessing Basic Functionalities (Network State, Internet).
• Signature Permissions: May Pose Risks When Misused, Especially Related to Sms Broadcasts.
• Dangerous Permissions: Provide Sensitive Data Access, Such as Phone Numbers and Device Identity, Which Can Be Exploited by Malicious Apps.
• The Dangerous Permissions Pose Risks Regarding the Reading, Receiving, and Sending of Sms, Which Can Lead to Privacy Breaches or Financial Consequences.

How to Identify the Scam:

• Official Statement: SBI never asks clients to download unauthorized APKs for upgrades related to KYC or other services. All formal correspondence takes place via the SBI YONO app, which may be found in reputable app shops.
• No Immediate Threats: Bank correspondence never employs menacing language or issues harsh deadlines, such as "your account will be blocked today."
• Email Domain and SMS Number: Verified email addresses or phone numbers are used for official SBI correspondence. Generic, unauthorized numbers or addresses are frequently used in scams.
• Links and APK Files: Steer clear of downloading APK files from unreliable sources at all times. For app downloads, visit the Apple App Store or Google Play Store instead.

CyberPeace Advisory:

• The Research team recommends that people should avoid opening such messages sent via social platforms. One must always think before clicking on such links, or downloading any attachments from unauthorised sources.
• Downloading any application from any third party sources instead of the official app store should be avoided. This will greatly reduce the risk of downloading a malicious app, as official app stores have strict guidelines for app developers and review each app before it gets published on the store.
• Even if you download the application from an authorised source, check the app's permissions before you install it. Some malicious apps may request access to sensitive information or resources on your device. If an app is asking for too many permissions, it's best to avoid it.
• Keep your device and the app-store app up to date. This will ensure that you have the latest security updates and bug fixes.
• Falling into such a trap could result in a complete compromise of the system, including access to sensitive information such as microphone recordings, camera footage, text messages, contacts, pictures, videos, and even banking applications and could lead users to financial loss.
• Do not share confidential details like credentials, banking information with such types of Phishing scams.
• Never share or forward fake messages containing links on any social platform without proper verification.

Conclusion:

Fake APK phishing scams target financial institutions more often. This report outlines safety steps for SBI customers and ways to spot and steer clear of these cons. Keep in mind that legitimate banks never ask you to get an APK from shady websites or threaten to close your account right away. To stay safe, use SBI's official YONO app on both systems and get apps from trusted places like Google Play or the Apple App Store. Check if the info is true before you do anything turn on 2FA for all your bank and money accounts, and tell SBI or your local cyber police about any scams you see.

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Executive Summary

A recent viral message on social media such as X and Facebook, claims that the Indian Government will start charging an 18% GST on "good morning" texts from April 1, 2024. This news is misinformation. The message includes a newspaper clipping and a video that was actually part of a fake news report from 2018. The newspaper article from Navbharat Times, published on March 2, 2018, was clearly intended as a joke. In addition to this, we also found a video of ABP News, originally aired on March 20, 2018, was part of a fact-checking segment that debunked the rumor of a GST on greetings.

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Claims:

The claim circulating online suggests that the Government will start applying a 18% of GST on all "Good Morning" texts sent through mobile phones from 1st of April, this year. This tax would be added to the monthly mobile bills. 

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Fact Check:

When we received the news, we first did some relevant keyword searches regarding the news. We found a Facebook Video by ABP News titled Viral Sach: ‘Govt to impose 18% GST on sending good morning messages on WhatsApp?’

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We have watched the full video and found out that the News is 6 years old. The  Research Wing of CyberPeace Foundation also found the full version of the widely shared ABP News clip on its website, dated March 20, 2018. The video showed a newspaper clipping from Navbharat Times, published on March 2, 2018, which had a humorous article with the saying "Bura na mano, Holi hain." The recent viral image is a cutout image from ABP News that dates back to the year 2018. 

Hence, the recent image that is spreading widely is Fake and Misleading.

Conclusion:

The viral message claiming that the government will impose GST (Goods and Services Tax) on "Good morning" messages is completely fake. The newspaper clipping used in the message is from an old comic article published by Navbharat Times, while the clip and image from ABP News have been taken out of context to spread false information.

Claim: India will introduce a Goods and Services Tax (GST) of 18% on all "good morning" messages sent through mobile phones from April 1, 2024.

Claimed on: Facebook, X

Fact Check: Fake, made as Comic article by Navbharat Times on 2 March 2018

Introduction

Data protection has been a critical aspect of advocacy and governance all across the world. Data fuels our cyber-ecosystem and strengthens the era of emerging technologies. All industries and sectors are now dependent upon the data of the user. The governments across the world have been deliberating internally to address the issue and legality of Data protection and privacy. The Indian government has witnessed various draft bills and policies focusing on Data protection over the years, and the contemporary bill is the Digital Personal Data Protection Bill, 2023, which was tabled at the Lok Sabha (Lower House of Parliament) on 03 August for discussions and parliamentary assent.

What is DPDP, 2023?

The goal of the complete and comprehensive Digital Personal Data Protection Bill of 2023 is to establish a framework for the protection of personal data in India. The measure acknowledges the significance of protecting personal data and seeks to strike a balance between the necessity to process personal data for legitimate purposes and the right of individuals to do so. The bill establishes a number of crucial expressions and ideas associated with the protection of personal data, including “data fiduciary,” “data principal,” and “sensitive personal data.” It also emphasises the duties of data fiduciaries, including the need to establish suitable security measures to preserve personal data and the need to secure data principals’ consent before processing their personal information. The measure also creates the Data Protection Board of India, which would implement its requirements and guarantee data fiduciaries’ compliance. The board will have the authority to look into grievances, give directives, and impose sanctions for non-compliance.

Key Features of the Bill

The bill tabled at the parliament has the following key features:

• The 2023 bill imposes reasonable obligations on data fiduciaries and data processors to safeguard digital personal data.
• Under the 2023 bill, a new Data Protection Board is established, which will ensure compliance, remedies and penalties.
• Under the new bill, the Board has been entrusted with the power equivalent to a civil court, such as the power to take cognisance in response to personal data breaches, investigate complaints, imposing penalties. Additionally, the Board can issue directions to ensure compliance with the act.
• The 2023 bill also secures more rights of Individuals and establishes a balance between user protection and growing innovations.
• The bill creates a transparent and accountable data governance framework by giving more rights to individuals.
• There is an Incorporation of Business-friendly provisions by removing criminal penalties for non-compliance and facilitating international data transfers.
• The new 2023 bill balances out fundamental privacy rights and puts reasonable limitations on those rights.
• The new data protection board will carefully examine the instance of non-compliance by imposing penalties on non-compiler.
• The bill does not provide any express clarity in regards to compensation to be granted to the Data Principal in case of a Data Breach.
• Under 2023 Deemed consent is there in its new form as ‘Legitimate Users’ pertaining to the conditions in regard to Sovernity and Intergrity of India.
• There is an introduction of the negative list, which restricts cross-data transfer.

Additionally, the measure makes special provisions for the processing of children’s personal data and acknowledges the significance of protecting children’s privacy. Additionally, it highlights the rights of the data subjects, including their right to access their personal information, their right to have wrong information corrected, and their right to be forgotten.

Drive4CyberPeace

A campaign was undertaken by CyberPeace to gain a critical understanding of what people understand about Data privacy and protection in India. The 4-month long campaign led to a pan-India interaction with netizens from different areas and backgrounds. The thoughts and opinions of the netizens were understood and collated in the form of a whitepaper which was, in turn, presented to Parliamentarians and government officials. The whitepaper laid the foundation of the recommendations submitted to the Ministry of Electronics and Information Technology as part of the stakeholder consultation.

Conclusion

Overall, the Digital Personal Data Protection Bill of 2023 is an important step towards safeguarding Indian citizens’ privacy and personal data. It creates a regulatory agency to guarantee compliance and enforcement and offers a thorough framework for data protection. The law includes special measures for the protection of sensitive personal data and the personal data of children and acknowledges the significance of striking a balance between the right to privacy and the necessity of data processing.