#FactCheck -AI-Generated Image Falsely Linked to Kotdwar Shop Controversy
Executive Summary
A dispute had recently emerged in Kotdwar, Uttarakhand, over the name of a shop. During the controversy, a local youth, Deepak Kumar, came forward in support of the shopkeeper. The incident subsequently became a subject of discussion on social media, with users expressing varied reactions. Meanwhile, a photo began circulating on social media showing a burqa-clad woman presenting a bouquet to Deepak Kumar. The image is being shared with the claim that All India Majlis-e-Ittehadul Muslimeen (AIMIM)’s women’s president, Rubina, welcomed “Mohammad Deepak Kumar” by presenting him with a bouquet. However, research conducted by the CyberPeace found the viral claim to be false. The research revealed that users are sharing an AI-generated image with a misleading claim.
Claim:
On social media platform Instagram, a user shared the viral image claiming that AIMIM’s women’s president Rubina welcomed “Mohammad Deepak Kumar” by presenting him with a bouquet. The link to the post, its archived version, and a screenshot are provided below.
Fact Check:
Upon closely examining the viral image, certain inconsistencies raised suspicion that it could be AI-generated. To verify its authenticity, the image was analysed using the AI detection tool Hive Moderation, which indicated a 96 percent probability that the image was AI-generated.
In the next stage of the research , the image was also analysed using another AI detection tool, Wasit AI, which likewise identified the image as AI-generated.
Conclusion
The research establishes that users are circulating an AI-generated image with a misleading claim linking it to the Kotdwar controversy.
Related Blogs
Executive Summary
A video showing unusually large hailstones falling from the sky and damaging parked vehicles is being widely circulated on social media. Users are claiming that the video shows a severe hailstorm in Maharashtra amid the ongoing heatwave conditions in several parts of the country. CyberPeace Research Wing research found the claim to be false. The viral clip is not a real weather event and has been identified as AI-generated content.
Claim:
Social media users shared the video claiming it shows heavy hailstorm in Maharashtra, with captions suggesting widespread damage caused by extreme weather. https://www.facebook.com/reel/1741412617041722, https://archive.is/W2QxM
Fact Check:
A reverse image search of keyframes from the viral video did not yield any credible media reports linking the visuals to any real hailstorm in Maharashtra or elsewhere.
https://www.youtube.com/watch?v=ZRsWLRowbao
Closer examination of the video revealed multiple inconsistencies, including unnatural movement and unrealistic size and behavior of hailstones, which are commonly associated with AI-generated visuals. The video was further analysed using AI detection tools. Hive Moderation flagged the content as likely AI-generated.
Similarly, Sightengine analysis indicated a 99% probability that the visuals were artificially created.
Conclusion:
The research confirms that the viral video claiming to show a massive hailstorm in Maharashtra is not real. The visuals are AI-generated and do not depict any actual weather event.
Introduction
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
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
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
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.
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
Introduction
As our reliance on digital communication technologies increases, so do the risks associated with the same. The propagation of false information is a significant concern. According to the World Economic Forum's 2024 Global Risk Report, India ranks the highest for misinformation and disinformation risk. Indian Vice President Shri Jagdeep Dhankhar emphasized the importance of transparency and accountability in the digital information age, addressing Indian Information Service officer trainees at the Vice President's Enclave on 18th June 2024. He has highlighted the issue of widespread misinformation and the need to regulate it. He stated “Information is power, information is too dangerous a power, information is that power which has to be regulated’’.
VC calls for regulation of the Information Landscape
The Vice President of India, Shri Dhankhar, has called on young Indian Information Service officers to act swiftly to neutralize misinformation on social media. He emphasized the importance of protecting individuals and institutions from fake narratives set afloat on social media. The VP called for the officers to act as information warriors, protecting the privacy and reputation of affected individuals or institutions.
The VP also highlighted India's vibrant democracy and the need for trust in the government. He called for the neutralization of motivated narratives set by global media and stressed the importance of not allowing others to calibrate them. He also emphasized the need to promote India's development narrative globally, highlighting its rich cultural heritage and diversity. He has expressed the need to regulate information, saying “Unregulated information & fake news can create a disaster of un-imaginable proportion.”
MeitY Advisory dated 1st March 2024
As regards to the issue of misinformation, the recently-issued advisory by the Ministry of Electronics and Information Technology (MeitY), specifies that all users should be well informed about the consequences of dealing with unlawful information on online platforms, including disabling access, removing non-compliant information, suspension or termination of access or usage rights of the user to their user account and imposing punishment under applicable law. The advisory entails that users are clearly informed, through terms of services and user agreements, about the consequences of engaging with unlawful information on the platform. Measures to combat deepfakes or misinformation have also been discussed in the advisory. The advisory necessitates identifying synthetically-created content across various formats, and advising platforms to employ labels, unique identifiers, or metadata to ensure transparency. Furthermore, the advisory mandates the disclosure of software details and tracing the first originator of such synthetically created content.
Conclusion
The battle against the growing incidences of misinformation and disinformation will not be easily won: developing a robust regulatory framework to counter online misinformation is essential. Alongside the regulatory framework, the government should encourage digital literacy campaigns, promote prebunking and debunking strategies and collaborate with relevant organisations such as cybersecurity experts, fact-checking entities, researchers, and policy analysts to combat misinformation on the Internet. Vice President Jagdeep Dhankhar's statement scores the need to regulate information to prevent the spread of fake news or misinformation.
References:
- https://pib.gov.in/PressReleaseIframePage.aspx?PRID=2026304
- https://regmedia.co.uk/2024/03/04/meity_ai_advisory_1_march.pdf
