India’s Quantum Leap Startups Selected for Support Under the NQM and the NMIC-PS

Introduction

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If we look at the concept of scams, they have existed for as long as human societies have. A few decades ago, it was quite common to see scams being carried out in the form of fake landline calls, forged documents or persuasive salesmen. And ‘trust’, being the fundamental aspect of human interaction, has been at the forefront of such interactions. This ‘trust’ factor has been consistently exploited by nefarious individuals all over the world through various acts of deception and a plethora of fraudulent activities. 

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As the years have gone by, the very same scamming methods have simply shifted mediums. They have transitioned from the geographies of markets and doorsteps to the virtual world of smartphones and digital devices. The senior citizens of today are sitting at a juncture where they come equipped with the ‘habits’ and ‘understanding’ of the offline world. And this is why in today’s technologically driven and fast paced digital environment, they are being targeted via ‘unfamiliar’ digital mediums and tactics, making them highly susceptible to cyber frauds and online scams.  

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Back in the simpler days, it wasn’t too difficult to catch the whiff of a scammer. One could pick up on their practiced speech patterns, spot their overly polished and formal tone or their sheepish body language and even notice the minute inconsistencies in their statements. This back-and-forth communication would take place in real time, over phone calls and even face to face. 

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But the scenario today is worse. Since our reliance on digital devices has expanded at an unparalleled pace, it has become all the more difficult to distinguish between what’s fake and what’s genuine. All of a sudden, our entire essential daily activities have become encompassed in the realm of the digital world, ranging from banking, shopping, healthcare to everyday communication. And to further exacerbate the situation, today’s scammers have quietly adapted to this newfound circumstance, as they hide behind screens.

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Fake messages or emails can be easily mistaken for being ‘real’ in the current modern digital age. Especially for senior citizens, this shift is presenting a serious challenge. They are being forced to evaluate authenticity and legitimacy through links, messages and apps that basically all look familiar. For example, the logo in an online correspondence might seem to be genuine or its language might look official and credible. At first glance, even the format or the layout of an email or a message may seem familiar enough to not raise any suspicion. This is the point where the danger lies. When there are no warning signs, no rude tones, no spelling errors and no weird behaviour. It becomes very difficult for people to tell what’s real and what’s a trap, especially for the seniors. And in that brief period of confusion, scammers manage to fool people into divulging personal information, clicking dangerous links or even parting with their hard-earned money.

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What makes the senior population so vulnerable?
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Trapped in the Convenience of Digital Dependence

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As the senior population embraces the new and sophisticated digital tools of today, alongside they are also risking their exposure to the online world of cyber security risks and cyber criminals. New devices such as smartphones and tablets do offer unprecedented convenience but they also come with various underlying dangers. Modern technology has made everyday tasks quite easy. Smartphone based UPI applications, bank applications and even online healthcare platforms have simplified life not just for the elderly, but for everyone across society. But many senior citizens may not be as well versed with the usage of these technologies and the digital risks they carry. They may get influenced easily or they may not exercise the same level of caution as the younger generations (who have literally grown up being surrounded by the dynamics of technology). This ‘familiarity gap’ adds up to the vulnerability of seniors. Without any prior visible warning signs they can easily end up getting exposed to online scams, fraudulent transactions and data misuse.

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Cybercriminals’ Goldmine: Cash-rich Seniors

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Although a person’s vulnerability towards becoming a target or a victim of a cyber crime is mostly shaped by their circumstance and not by age alone. But still, from the point of view of a cyber criminal, senior citizens do seem to be the perfect victims. Most of them are retired and financially sound with lifetime savings, consistent pensions, accumulated assets and anticipated income streams. As they enjoy their solid financial footing, they may not keep a regular check on their online banking accounts and financial records. This ‘financial ease’ can inadvertently make them more prone to cyber crimes, especially when they are simultaneously getting increasingly dependent on digital tools. This lack of oversight may allow suspicious activities or fraudulent transactions to go unnoticed and sometimes even lead to huge losses of money. This is where digital literacy comes in. Keeping the seniors well informed on the safe usage of the internet can significantly lower their chance of getting intertwined in an online scam. It has therefore become crucial to promote and encourage regular account checks, setting up of alerts and foster awareness regarding common online threats that can help seniors safeguard their hard-earned resources. 

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India itself witnessed an increase of 86% from the years 2020 to 2022 in cyber crime cases related to senior citizens. 

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Targeting the Psychological Aspects: Panic, Overwhelm, Manipulation and Isolation

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Senior citizens are often at an age and stage in life where their routines slow down and the general pace of life shifts towards a gentler rhythm. Thought processes may not be as swift as they used to be, some may even experience mild cognitive decline and many live alone or away from their children or immediate support systems. Research also shows that aging can lead to low memory function which in turn can increase an individual’s susceptibility to digital traps such as phishing emails and financial abuse. According to a comprehensive analysis of senior fraud victims, it has been noted that victimisation increases with advancing age. There are significant associations between fraud victimisation and human cognitive factors, such as: diminished executive functioning, reduced ability of the brain to process information and even impairments in comprehending complex everyday information.

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Cybercriminals, who are aware of these soft spots, deliberately exploit the seniors’ psychological and mental space. They strategically deploy methods that create confusion and cognitive overload. They may create a fictitious scenario depicting some kind of ‘urgency’ and use the elderly’s ‘panic response’ to their advantage. They may create false warnings of a blocked bank account, a missed or delayed medical update or inform them of a sudden (but fake) legal issue. They aim at creating a situation of ‘overwhelm, anxiety and severe distress’. And it is common knowledge that when fear encapsulates an individual, the process of rational decision making deeply gets affected. In this scenario elderly victims often fall for the cyber criminals’ malicious antics and end up complying with them without actually verifying their intent and authenticity. 

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The senior population of the current times was raised in an era where they were rarely taught to question authoritative figures. This is where ‘manipulation’ steps in. The concept of manipulation thrives on the sense of ‘authority, power, position and trust’. Cyber fraudsters use this mechanism and convincingly impersonate government representatives, senior bank officials, healthcare providers, etc. They may project credibility and legitimacy by using authoritative sounding language, creating a sense of power over the victim and manipulating them. 

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Another important factor that scammers leverage to their advantage is ‘isolation’. A lot of seniors live alone or just with their spouse, with no immediate support systems nearby. They navigate and tread their daily routines on their own, trying hard to adapt to the dynamic digital world.  This life of solitude or isolation leaves them in a vulnerable state. They may not even have someone to talk to, or get a second opinion, or even guidance regarding some suspicious online activity that they may be experiencing. This state of isolation combined with their limited digital competence creates the perfect stance for a cybercriminal to manipulate these individuals.

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Understanding this psychological dimension has become critical to prevent cyber crimes amongst the elderly. Proper awareness campaigns, reassurance, encouragement of think-and-verify habits can reduce the occurrence of such scams and protect our senior citizens.

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Clickbait Cures, Bogus Health Remedies and Expensive False Hopes 

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It is a known fact that for most senior citizens, their health ranks highest in the list of their priorities. They are always on the lookout for information regarding treatments, medications, dietary supplements and even wellness programs. In an effort to live a healthy and fuller life in this digital age, unknowingly, senior citizens can become easy targets for cybercriminals.

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The internet is flooded with eye-catching headlines, ads and clickbaits that promise quick relief and miracle cures. Their wordings may appear like: ‘miracle joint and arthritis relief’, ‘reverse diabetes in seven days’, ‘secret anti-ageing formulas that doctors won’t divulge’, etc.  These promises seem all flashy and shiny, but the reality is generally painful. Elderly people can easily get attracted to such ads. Scammers use reassuring language that instantly appeals to the seniors’ attention and their emotions. They create fake doctor profiles or publish fabricated patient reviews with overly dramatised testimonials and false research. In order to seem authentic, some scammers may even use the names and logos of respectable health institutions and organisations such as the ‘World Health Organisation’. They claim to sell products like miracle pills, teas, devices, virtual health services, etc., all at extremely high prices along with pressure inducing statements such as: ‘offer ends tonight’ or ‘only 20 spots left’. 

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When the elderly fall for this scam and end up paying the amount, either the promised product doesn’t turn up or it proves to be completely ineffective. In worst case scenarios, it may even harm the user’s health. These bogus health products are not regulated by any health association or authority. They may contain unsafe ingredients, incorrect dosages and other toxic substances that can severely impact the elderly’s health. An adverse reaction can take place or an existing medical condition may worsen. What begins as a hopeful step towards better health can eventually lead to loss of finances, physical harm and a deep sense of disappointment and hurt.

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Sharing of card details, Adhaar numbers, insurance and medical reports on fake websites can further lead to identity theft and other dangerous  cyber crimes.

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Protection starts with simple habits. And here families have a big role to play. Making our senior citizens aware of this scenario is the first step. Education brings along ‘awareness’, and with awareness comes ‘caution and confidence’. Teaching the seniors to be wary of any warning signs, to not share any personal or financial details online and to make sure to consult a doctor first before starting any new treatments, are a few ways that can definitely help in reducing the risk of such scams. 

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Risky Digital Routines: Overexposure and Oversharing 

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The senior citizens of today are heavily invested in their daily digital routines. They stay virtually connected through various messaging apps (such as WhatsApp), they eagerly curate and maintain their digital identities on online platforms (such as Instagram and Facebook) and they regularly use emails to share messages, articles and forwards within their social circles. Many of us have seen it in our own family groups, that the seniors are the most enthusiastic lot. They are the first to send in their morning salutation messages, photos and other daily updates. This eagerness reflects both their genuine commitment towards staying in touch and also the pure joy that they derive from being active members of these online communities. It is important to understand that these platforms don’t just serve as mere communication tools for them. Beyond messaging and sharing of updates, these online spaces offer a sense of community, belongingness and self-expression to the elderly. 

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But these everyday digital routines can cause an overexposure to the virtual world which further creates opportunities for scammers. Clicking on unfamiliar links, downloading unknown softwares and giving quick responses to alerts and notifications (without first identifying the source), are a few examples of how seniors end up getting embroiled in risky situations. At the same time, online oversharing of personal details such as addresses, birthdays, travel plans, family updates, phone numbers, even investment plans, etc., can seem to be quite harmless on the face of it. But all of this information builds a goldmine for the scammers. They may be able to piece it together and use it to send highly convincing phishing emails, create fake online offers or even impersonate a loved one. 

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Senior citizens also tend to take online messages at face value. AI generated videos, images, false news, etc., are all generally shared under the garb of sensational claims or urgent warnings and are therefore easily assumed to be true, especially by the elderly. They may not even take a minute to factcheck the information and instead may forward it to ten other people in their circle. 

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The above risks can significantly be reduced by practicing safer digital habits. Seniors should be mindful in their digital usage. Pausing and thinking before clicking on a link, fact checking a piece of news, using strong privacy settings and trusted apps, etc., can help protect both their personal data as well as their digital wellbeing. 

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Silent Suffering: Shame, Underreporting and Systemic Gaps

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Research suggests that senior citizens do not always report a cybercrime. This can be due to shame, self blame, ridicule, fear of being judged as incompetent and a general opinion that even if they report it, nothing will come out of it. They may feel embarrassed about getting deceived, believing that they should have known better. This may create an emotional burden which further amplifies underreporting. Informing their family members or just reaching out for some help can seem like a mammoth task for them. 

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Existing institutional gaps in our systems compounds this silent suffering. While there are law enforcement and consumer protection agencies in place, but the first step, which is the ‘reporting mechanism’, can seem to be inaccessible or too overbearing for the seniors. These systems may not have a very proactive outreach and can fail to tackle the distinct set of challenges faced by the seniors (such as clear guidance on scams or support for recovering lost funds).  

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This combination of ‘shame, underreporting and weak system support’ creates a dangerous cycle. Senior citizens are left as open prey, exploited and repeatedly targeted without sufficient help or any recognition for their plight. 

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The Way Forward

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Society has to first acknowledge and identify the inimitable vulnerabilities of the seniors. This cycle can be broken by developing information drives that are specially tailored for the seniors. Moreover, along with family involvement, user friendly reporting channels and stronger protections from fraudulent online practices, seniors can see a ray of hope.

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Targeted training programs, senior friendly cybersecurity workshops and courses can be a starting point. Teaching them about password creations, safe browsing tactics, phishing recognition and specific mentor-led sessions can empower them with the basic understanding of the online world. 

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Being able to navigate the digital world with adequate competence and confidence, and without the fear of exploitation, is ultimately what every senior citizen needs. 

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References

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• https://www.staysafeonline.org/articles/why-do-scammers-target-older-adults
• https://pmc.ncbi.nlm.nih.gov/articles/PMC12074955/
• https://cybersecurityasia.net/rise-cyber-crime-targeting-older-adults/
• https://news.ufl.edu/2024/06/older-adults-vulnerable-to-scams/
• https://oklaw.org/resource/why-are-older-people-vulnerable-to-scams
• https://www.crimrxiv.com/pub/g7u4rb9v
• https://www.norc.org/research/library/majority-of-older-adults-experience-cyber-abuse-in-their-lifetim.html
• https://www.sbigeneral.in/blog/cyber-insurance/cyber-tips-and-tricks/how-senior-citizens-can-avoid-internet-scams

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Introduction  

The emergence of deepfake technology has become a significant problem in an era driven by technological growth and power. The government has reacted proactively as a result of concerns about the exploitation of this technology due to its extraordinary realism in manipulating information. The national government is in the vanguard of defending national interests, public trust, and security as the digital world changes. On the 26th of December 2023, the central government issued an advisory to businesses, highlighting how urgent it is to confront this growing threat.

The directive aims to directly address the growing concerns around Deepfakes, or misinformation driven by AI. This advice represents the result of talks that Union Minister Shri Rajeev Chandrasekhar, had with intermediaries during the course of a month-long Digital India dialogue. The main aim of the advisory is to accurately and clearly inform users about information that is forbidden, especially those listed under Rule 3(1)(b) of the IT Rules. 

Advisory

The Ministry of Electronics and Information Technology (MeitY) has sent a formal recommendation to all intermediaries, requesting adherence to current IT regulations and emphasizing the need to address issues with misinformation, specifically those driven by artificial intelligence (AI), such as Deepfakes. Union Minister Rajeev Chandrasekhar released the recommendation, which highlights the necessity of communicating forbidden information in a clear and understandable manner, particularly in light of Rule 3(1)(b) of the IT Rules.

Advise on Prohibited Content Communication

According to MeitY's advice, intermediaries must transmit content that is prohibited by Rule 3(1)(b) of the IT Rules in a clear and accurate manner. This involves giving users precise details during enrollment, login, and content sharing/uploading on the website, as well as including such information in customer contracts and terms of service.

Ensuring Users Are Aware of the Rules

Digital platform suppliers are required to inform their users of the laws that are relevant to them. This covers provisions found in the IT Act of 2000 and the Indian Penal Code (IPC). Corporations should inform users of the potential consequences of breaking the restrictions outlined in Rule 3(1)(b) and should also urge users to notify any illegal activity to law enforcement.

Talks Concerning Deepfakes

For more than a month, Union Minister Rajeev Chandrasekhar had a significant talk with various platforms where they addressed the issue of "deepfakes," or computer-generated fake videos. The meeting emphasized how crucial it is that everyone abides by the laws and regulations in effect, particularly the IT Rules to prevent deepfakes from spreading.  

Addressing the Danger of Disinformation

Minister Chandrasekhar underlined the grave issue of disinformation, particularly in the context of deepfakes, which are false pieces of content produced using the latest developments such as artificial intelligence. He emphasized the dangers this deceptive data posed to internet users' security and confidence. The Minister emphasized the efficiency of the IT regulations in addressing this issue and cited the Prime Minister's caution about the risks of deepfakes.

Rule Against Spreading False Information

The Minister referred particularly to Rule 3(1)(b)(v), which states unequivocally that it is forbidden to disseminate false information, even when doing so involves cutting-edge technology like deepfakes. He called on intermediaries—the businesses that offer digital platforms—to take prompt action to take such content down from their systems. Additionally, he ensured that everyone is aware that breaking such rules has legal implications.

Analysis 

The Central Government's latest advisory on deepfake technology demonstrates a proactive strategy to deal with new issues. It also highlights the necessity of comprehensive legislation to directly regulate AI material, particularly with regard to user interests.

There is a wider regulatory vacuum for content produced by artificial intelligence, even though the current guideline concentrates on the precision and lucidity of information distribution. While some limitations are mentioned in the existing laws, there are no clear guidelines for controlling or differentiating AI-generated content.

Positively, it is laudable that the government has recognized the dangers posed by deepfakes and is making appropriate efforts to counter them. As AI technology develops, there is a chance to create thorough laws that not only solve problems but also create a supportive environment for the creation of ethical AI content. User protection, accountability, openness, and moral AI use would all benefit from such laws. This offers an opportunity for regulatory development to guarantee the successful and advantageous incorporation of AI into our digital environment.

Conclusion 

The Central Government's preemptive advice on deepfake technology shows a great dedication to tackling new risks in the digital sphere. The advice highlights the urgent need to combat deepfakes, but it also highlights the necessity for extensive legislation on content produced by artificial intelligence. The lack of clear norms offers a chance for constructive regulatory development to protect the interests of users. The advancement of AI technology necessitates the adoption of rules that promote the creation of ethical AI content, guaranteeing user protection, accountability, and transparency. This is a turning point in the evolution of regulations, making it easier to responsibly incorporate AI into our changing digital landscape.

References

• https://economictimes.indiatimes.com/tech/technology/deepfake-menace-govt-issues-advisory-to-intermediaries-to-comply-with-existing-it-rules/articleshow/106297813.cms
• https://pib.gov.in/PressReleaseIframePage.aspx?PRID=1990542#:~:text=Ministry%20of%20Electronics%20and%20Information,misinformation%20powered%20by%20AI%20%E2%80%93%20Deepfakes.
• https://www.timesnownews.com/india/centres-deepfake-warning-to-it-firms-ensure-users-dont-violate-content-rules-article-106298282#:~:text=The%20Union%20government%20on%20Tuesday,actors%2C%20businesspersons%20and%20other%20celebrities

Introduction 

The geographical world has physical boundaries, but the digital one has a different architecture and institutions are underprepared when it comes to addressing cybersecurity breaches. Cybercrime, which may lead to economic losses, privacy violations, national security threats and have psycho-social consequences,  is forecast to continuously increase between 2024 and 2029, reaching an estimated cost of at least 6.4 trillion U.S. dollars (Statista). As cyber threats become persistent and ubiquitous, they are becoming a critical governance challenge. Lawmakers around the world need to collaborate on addressing this emerging issue.

Cybersecurity Governance and its Structural Elements

Cybersecurity governance refers to the strategies, policies, laws, and institutional frameworks that guide national and international preparedness and responses to cyber threats to governments, private entities, and individuals. Effective cybersecurity governance ensures that digital risks are managed proactively while balancing security with fundamental rights like privacy and internet freedom. It includes, but is not limited to :

1. Policies and Legal Frameworks: Laws that define the scope of cybercrime, cybersecurity responsibilities, and mechanisms for data protection. Eg: India’s National Cybersecurity Policy (NCSP) of 2013, Information Technology Act, 2000, and Digital Personal Data Protection Act, 2023, EU’s Cybersecurity Act (2019), Cyber Resilience Act (2024), Cyber Solidarity Act (2025), and NIS2 Directive (2022), South Africa’s Cyber Crimes Act (2021), etc.
2. Regulatory Bodies: Government agencies such as data protection authorities, cybersecurity task forces, and other sector-specific bodies. Eg: India’s Computer Emergency Response Team (CERT-In), Indian Cyber Crime Coordination Centre (I4C), Europe’s  European Union Agency for Cybersecurity (ENISA), and others.
3. Public-Private Knowledge Sharing: The sharing of the private sector’s expertise and the government’s resources plays a crucial role in improving enforcement and securing critical infrastructure. This model of collaboration is followed in the EU, Japan, Turkey, and the USA. 
4. Research and Development: Apart from the technical, the cyber domain also includes military, politics, economy, law, culture, society, and other elements. Robust, multi-sectoral research is necessary for formulating international and regional frameworks on cybersecurity. 

Challenges to Cybersecurity Governance 

Governments face several challenges in securing cyberspace and protecting critical assets and individuals despite the growing focus on cybersecurity. This is because so far the focus has been on cybersecurity management, which, considering the scale of attacks in the recent past, is not enough. Stakeholders must start deliberating on the aspect of governance in cyberspace while ensuring that this process is multi-consultative. (Savaş & Karataş 2022). Prominent challenges which need to be addressed are: 

• Dynamic Threat Landscape: The threat landscape in cyberspace is ever-evolving.  Bad actors are constantly coming up with new ways to carry out attacks, using elements of surprise, adaptability, and asymmetry aided by AI and quantum computing. While cybersecurity measures help mitigate risks and minimize damage, they can’t always provide definitive solutions. E.g., the pace of malware development is much faster than that of legal norms, legislation, and security strategies for the protection of information technology (IT). (Efe and Bensghir 2019).
• Regulatory Fragmentation and Compliance Challenges: Different countries, industries, or jurisdictions may enforce varying or conflicting cybersecurity laws and standards, which are still evolving and require rapid upgrades. This makes it harder for businesses to comply with regulations, increases compliance costs, and jeopardizes the security posture of the organization. 
• Trans-National Enforcement Challenges: Cybercriminals operate across jurisdictions, making threat intelligence collection, incident response, evidence-gathering, and prosecution difficult.  Without cross-border agreements between law enforcement agencies and standardized compliance frameworks for organizations, bad actors have an advantage in getting away with attacks. 
• Balancing Security with Digital Rights: Striking a balance between cybersecurity laws and privacy concerns (e.g., surveillance laws vs. data protection) remains a profound challenge,  especially in areas of CSAM prevention and identifying terrorist activities. Without a system of checks and balances, it is difficult to prevent government overreach into domains like journalism, which are necessary for a healthy democracy, and Big Tech’s invasion of user privacy. 

The Road Ahead: Strengthening Cybersecurity Governance 

All domains of human life- economy, culture, politics, and society- occur in digital and cyber environments now. It follows naturally, that governance in the physical world translates into governance in cyberspace. It must be underpinned by features consistent with the principles of openness, transparency, participation, and accountability, while also protecting human rights. In cyberspace, the world is stateless and threats are rapidly evolving with innovations in modern computing. Thus, cybersecurity governance requires a global, multi-sectoral approach utilizing the rules of international law, to chart out problems, and solutions, and carry out detailed risk analyses. (Savaş & Karataş 2022). 

References

• https://www.statista.com/forecasts/1280009/cost-cybercrime-worldwide#statisticContainer
• https://link.springer.com/article/10.1365/s43439-021-00045-4#citeas 
• https://digital-strategy.ec.europa.eu/en/policies/cybersecurity-policies#ecl-inpage-cybersecurity-strategy 

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