Securing Digital Banking: RBI Mandates Migration to [.]bank[.]in Domains
Introduction
The Reserve Bank of India (RBI) has mandated banks to switch their digital banking domains to 'Bank.in' by October 31, 2025, as part of a strategy to modernise the sector and maintain consumer confidence. The move is expected to provide a consistent and secure interface for online banking, as a response to the increasing threats posed by cybercriminals who exploit vulnerabilities in online platforms. The RBI's directive is seen as a proactive measure to address the growing concerns over cybersecurity in the banking sector.
RBI Circular - Migration to '.bank.in' domain
The official circular released by the RBI dated April 22, 2025, read as follows:
“It has now been decided to operationalise the ‘. bank.in’ domain for banks through the Institute for Development and Research in Banking Technology (IDRBT), which has been authorised by National Internet Exchange of India (NIXI), under the aegis of the Ministry of Electronics and Information Technology (MeitY), to serve as the exclusive registrar for this domain. Banks may contact IDRBT at sahyog@idrbt.ac.in to initiate the registration process. IDRBT shall guide the banks on various aspects related to application process and migration to new domain.”
“All banks are advised to commence the migration of their existing domains to the ‘.bank.in’ domain and complete the process at the earliest and in any case, not later than October 31, 2025.”
CyberPeace Outlook
The Reserve Bank of India's directive mandating banks to shift to the 'Bank.in' domain by October 31, 2025, represents a strategic and forward-looking measure to modernise the nation’s digital banking infrastructure. With this initiative, the RBI is setting a new benchmark in cybersecurity by creating a trusted, exclusive domain that banks must adopt. This move will drastically reduce cyber threats, phishing attacks, and fake banking websites, which have been major sources of financial fraud. This fixed domain will simplify verification for consumers and tech platforms to more easily identify legitimate banking websites and apps. Furthermore, a strong drop in online financial fraud will have a long-term effect by this order. Since phishing and domain spoofing are two of the most prevalent forms of cybercrime, a shift to a strictly regulated domain name system will remove the potential for lookalike URLs and fraudulent websites that mimic banks. As India’s digital economy grows, RBI’s move is timely, essential, and future-ready.
References
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In the Intricate mazes of the digital world, where the line between reality and illusion blurs, the quest for truth becomes a Sisyphean task. The recent firestorm of rumours surrounding global pop icon Dua Lipa's visit to Rajasthan, India, is a poignant example of this modern Dilemma. A single image, plucked from the continuum of time and stripped of context, became the fulcrum upon which a narrative of sexual harassment was precariously balanced. This incident, a mere droplet in the ocean of digital discourse, encapsulates the broader phenomenon of misinformation—a spectre that haunts the virtual halls of our interconnected existence.
Misinformation Incident
Amidst the ceaseless hum of social media, a claim surfaced with the tenacity of a weed in fertile soil: Dua Lipa, the three-time Grammy Award winner, had allegedly been subjected to sexual harassment during her sojourn in the historic city of Jodhpur. The evidence? A viral picture, its origins murky, accompanied by a caption that seemed to confirm the worst fears of her ardent followers. The digital populace quickly reacted, with many sharing the image, asserting the claim's veracity without pause for verification.
Unraveling the Fabric of Fake News: Fact-Checking Dua Lipa's India Experience
The narrative gained momentum through platforms of dubious credibility, such as the Twitter handle,' which, upon closer scrutiny by the Digital Forensics Research and Analytics Center, was revealed to be a purveyor of fake news. The very fabric of the claim began to unravel as the original photo was traced back to the official Facebook page of RVCJ Media, untainted by the allegations that had been so hastily ascribed to it. Moreover, the silence of Dua Lipa on the matter, rather than serving as a testament to the truth, inadvertently fueled the fires of speculation—a stark reminder of the paradox where the absence of denial is often misconstrued as an affirmation.
The pop star's words, shared on her Instagram account, painted a starkly different picture of her experience in India. She spoke not of fear and harassment, but of gratitude and joy, describing her trip as 'deeply meaningful' and expressing her luck to be 'within the magic' with her family. The juxtaposition of her heartfelt account with the sinister narrative constructed around her serves as a cautionary tale of the power of misinformation to distort and defile.
A Political Microcosm: Bye Elections of Telangana
Another incident is electoral misinformation, the political landscape of Telangana, India, bristled with anticipation as the Election Commission announced bye-elections for two Member of Legislative Council (MLC) seats. Here, too, the machinery of misinformation whirred into action, with political narratives being shaped and reshaped through the lens of partisan prisms. The electoral process, transparent in its intent, became susceptible to selective amplification, with certain facets magnified or distorted to fit entrenched political narratives. The bye-elections, thus, became a battleground not just for political supremacy but also for the integrity of information.
The Far-Reaching Claws of Misinformation: Fact Check
The misinformation regarding the experience of dua lipa upon India's visit and another incident of political Microcosm of Misinformation in Telangana are manifestations of a global challenge. Misinformation, adapts to the different contours of its environment, whether it be the gritty arena of politics or the glitzy realm of stardom. Its tentacles reach far and wide, with geopolitical implications that can destabilise regions, sow discord, and undermine the very pillars of democracy. The erosion of trust that misinformation engenders is perhaps its most insidious effect, as it chips away at the bedrock of societal cohesion and collective well-being.
Paradox of Technology
The same technological developments that have allowed the spread of misinformation also hold the keys to its containment. Artificial intelligence-powered fact-checking tools, blockchain-enabled transparency counter-measures, and comprehensive digital literacy campaigns stand as bulwarks against falsehoods. These tools, however, are not panaceas; they require the active engagement and critical thinking skills of each digital citizen to be truly effective.
Conclusion
As we stand at the cusp of the digital age, the way forward demands vigilance, collaboration, and innovation. Cultivating a digitally literate person, capable of discerning the nuances of digital content, is paramount. Governments, the tech industry, media companies, and civil society must join forces in a common front, leveraging their collective expertise in the battle against misinformation. Promoting algorithmic accountability and fostering diverse information ecosystems will also be crucial in mitigating the inadvertent amplification of falsehoods.
In the end, discerning truth in the digital age is a delicate process. It requires us to be attuned to the rhythm of reality, and wary of the seductive allure of unverified claims. As we navigate this digital realm, remember that the truth is not just a destination but a journey that demands our unwavering commitment to the pursuit of what is real and what is right.
References
- https://telanganatoday.com/eci-releases-schedule-for-bye-elections-to-two-mlc-seats-in-telangana
- https://www.oneindia.com/fact-check/was-pop-singer-dua-lipa-sexually-harassed-in-rajasthan-during-her-india-trip-heres-the-truth-3718833.html?story=3
- https://www.thequint.com/news/webqoof/edited-graphic-of-dua-lipa-being-sexually-harassed-in-jodhpur-falsely-shared-fact-check

Executive Summary:
In the digital world, people are becoming targets more and more of online scams, which rely on deception. One of the ways the social media is being used for the elections in recent time, is the "BJP - Election Bonus" offer that promises a cash prize of Rs. 5000 or more, through some easy questionnaire. This article provides the details of this swindle and reveals its deceptive tricks as well as gives a set of recommendations on how to protect yourself from such online fraud, especially during the upcoming elections.
False Claim:
The "BJP - Election Bonus" campaign boasts that by taking a few clicks of the mouse, users will get a cash prize. This scheme is nothing but a fake association with the Bharatiya Janata Party (BJP)’s Government and Prime Minister Shri Narendra Modi and therefore, it uses the images and brands of both of them to give the scheme an impression of legitimacy. The imposters are taking advantage of the public's trust for the Government and the widespread desire for remuneration to ensnare the unaware victims, specifically before the upcoming Lok Sabha elections.

The Deceptive Scheme:
- Tempting Social Media Offer: The fraud begins with an attractive link on the social media platforms. The scammers say that the proposal is related to the Bharatiya Janata Party (BJP) with the caption of “The official party has prepared many gifts for their supporters.” accompanied by an image of the Prime Minister Shri Narendra Modi.
- Luring with Money: The offer promises to give Rs.5,000 or more. This is aimed at drawing in people specifically during election campaigns; and people’s desire for financial gain.
- Tricking with Questions: When the link is clicked, the person is brought to the page with the simple questions. The purpose of these questions is to make people feel safe and believe that they have been selected for an actual government’s program.
- The Open-the-Box Trap: Finally, the questions are answered and the last instruction is to open-the-box for the prize. However, this is just a tactic for them to make you curious about the reward.
- Fake Reward and Spreading the Scam: Upon opening the box, the recipient will be greeted with the text of Rs. 5000. However, this is not true; it is just a way to make them share the link on WhatsApp, helping the scammers to reach more victims.
The fraudsters use political party names and the Prime Minister's name to increase the plausibility of it, although there is no real connection. They employ the people's desire for monetary help, and also the time of the elections, making them susceptible to their tricks.
Analytical Breakdown:
- The campaign is a cleverly-created scheme to lure people by misusing the trust they have in the Government. By using BJP's branding and the Prime Minister's photo, fraudsters aim to make their misleading offer look credible. Fake reviews and cash reward are the two main components of the scheme that are intended to lure users into getting involved, and the end result of this is the path of deception.
- Through sharing the link over WhatsApp, users become unaware accomplices that are simply assisting the scammers to reach an even bigger audience and hence their popularity, especially with the elections around the corner.
- On top of this, the time of committing this fraud is very disturbing, as the election is just round the corner. Scammers do this in the context of the political turmoil and the spread of unconfirmed rumors and speculation about the upcoming elections in the same way they did earlier. The fraudsters are using this strategy to take advantage of the political affiliations by linking their scam to the Political party and their Leaderships.
- We have also cross-checked and as of now there is no well established and credible source or any official notification that has confirmed such an offer advertised by the Party.
- Domain Analysis: The campaign is hosted on a third party domain, which is different from the official website, thus creating doubts. Whois information reveals that the domain has been registered not long ago. The domain was registered on 29th march 2024, just a few days back.

- Domain Name: PSURVEY[.]CYOU
- Registry Domain ID: D443702580-CNIC
- Registrar WHOIS Server: whois.hkdns.hk
- Registrar URL: http://www.hkdns.hk
- Updated Date: 2024-03-29T16:18:00.0Z
- Creation Date: 2024-03-29T15:59:17.0Z (Recently Created)
- Registry Expiry Date: 2025-03-29T23:59:59.0Z
- Registrant State/Province: Anhui
- Registrant Country: CN (China)
- Name Server: NORMAN.NS.CLOUDFLARE.COM
- Name Server: PAM.NS.CLOUDFLARE.COM
Note: Cybercriminals used Cloudflare technology to mask the actual IP address of the fraudulent website.
CyberPeace Advisory and Best Practices:
- Be careful and watchful for any offers that seem too good to be true online, particularly during election periods. Exercise caution at a high level when you come across such offers, because they are usually accompanied by dishonest schemes.
- Carefully cross-check the authenticity of every campaign or offer you’re considering before interacting with it. Do not click on suspicious links and do not share private data that can be further used to run the scam.
- If you come across any such suspicious activity or if you feel you have been scammed, report it to the relevant authorities, such as the local police or the cybercrime section. Reporting is one of the most effective instruments to prevent the spread of these misleading schemes and it can support the course of the investigations.
- Educate yourselves and your families on the usual scammers’ tricks, including their election-related strategies. Prompt people to think critically and a good deal of skepticism when they meet online offers and promotions that evoke a possibility to obtain money or rewards easily.
- Ensure that you are always on a high level of alert as you explore the digital field, especially during elections. The authenticity of the information you encounter should always be verified before you act on it or pass it over to someone else.
- In case you have any doubt or worry regarding a certain e-commerce offer or campaign, don’t hesitate to ask for help from reliable sources such as Cybersecurity experts or Government agencies. A consultation with credible sources will assist you in coming up with informed decisions and guarding yourself against being navigated by these schemes.
Conclusion:
The "BJP - Election Bonus" campaign is a real case study of how Internet fraud is becoming more popular day by day, particularly before the elections. Through the awareness of the tactics employed by these scammers and their abuse of the community's trust in the Government and political figures, we can equip ourselves and our communities to avert becoming the victim of such fraudulent schemes. As a team, we can collectively strive for a digital environment free of threats and breaches of security, even in times of high political tension that accompany elections.

About Global Commission on Internet Governance
The Global Commission on Internet Governance was established in January 2014 with the goal of formulating and advancing a strategic vision for Internet governance going forward. Independent research on Internet-related issues of international public policy is carried out and supported over the two-year initiative. An official commission report with particular policy recommendations for the future of Internet governance will be made available as a result of this initiative.
There are two goals for the Global Commission on Internet Governance. First, it will encourage a broad and inclusive public discussion on how Internet governance will develop globally. Second, through its comprehensive policy-oriented report and the subsequent marketing of this final report, the Global Commission on Internet Governance will present its findings to key stakeholders at major Internet governance events.
The Internet: exploring the world wide web and the deep web
The Internet can be thought of as a vast networking infrastructure, or network of networks. By linking millions of computers worldwide, it creates a network that allows any two computers, provided they are both online, to speak with one another.
The Hypertext Transfer Protocol is the only language spoken over the Internet and is used by the Web to transfer data. Email, which depends on File Transfer Protocol, Usenet newsgroups, Simple Mail Transfer Protocol, and instant messaging, is also used on the Internet—not the Web. Thus, even though it's a sizable chunk, the Web is only a part of the Internet [1]. In summary, the deep Web is the portion of the Internet that is not visible to the naked eye. It is stuff from the World Wide Web that isn't available on the main Web. Standard search engines cannot reach it. More than 500 times larger than the visible Web is this enormous subset of the Internet [1-2].
The Global Commission on Internet Governance will concentrate on four principal themes:
• Improving the legitimacy of government, including standards and methods for regulation;
• Promoting economic innovation and expansion, including the development of infrastructure, competition laws, and vital Internet resources;
• Safeguarding online human rights, including establishing the idea of technological neutrality for rights to privacy, human rights, and freedom of expression;
• Preventing systemic risk includes setting standards for state behaviour, cooperating with law enforcement to combat cybercrime, preventing its spread, fostering confidence, and addressing disarmament-related issues.
Dark Web
The part of the deep Web that has been purposefully concealed and is unreachable using conventional Web browsers is known as the "dark Web." Dark Web sites are a platform for Internet users who value their anonymity since they shield users from prying eyes and typically utilize encryption to thwart monitoring. The Tor network is a well-known source for content that may be discovered on the dark web. Only a unique Web browser known as the Tor browser is required to access the anonymous Tor network (Tor 2014). It was a technique for anonymous online communication that the US Naval Research Laboratory first introduced as The Onion Routing (Tor) project in 2002. Many of the functionality offered by Tor are also available on I2P, another network. On the other hand, I2P was intended to function as a network inside the Internet, with traffic contained within its boundaries. Better anonymous access to the open Internet is offered by Tor, while a more dependable and stable "network within the network" is provided by I2P [3].
Cybersecurity in the dark web
Cyber crime is not any different than crime in the real world — it is just executed in a new medium: “Virtual criminality’ is basically the same as the terrestrial crime with which we are familiar. To be sure, some of the manifestations are new. But a great deal of crime committed with or against computers differs only in terms of the medium. While the technology of implementation, and particularly its efficiency, may be without precedent, the crime is fundamentally familiar. It is less a question of something completely different than a recognizable crime committed in a completely different way [4].”
Dark web monitoring
The dark Web, in general, and the Tor network, in particular, offer a secure platform for cybercriminals to support a vast amount of illegal activities — from anonymous marketplaces to secure means of communication, to an untraceable and difficult to shut down infrastructure for deploying malware and botnets.
As such, it has become increasingly important for security agencies to track and monitor the activities in the dark Web, focusing today on Tor networks, but possibly extending to other technologies in the near future. Due to its intricate webbing and design, monitoring the dark Web will continue to pose significant challenges. Efforts to address it should be focused on the areas discussed below [5].
Hidden service directory of dark web
A domain database used by both Tor and I2P is based on a distributed system called a "distributed hash table," or DHT. In order for a DHT to function, its nodes must cooperate to store and manage a portion of the database, which takes the shape of a key-value store. Owing to the distributed character of the domain resolution process for hidden services, nodes inside the DHT can be positioned to track requests originating from a certain domain [6].
Conclusion
The deep Web, and especially dark Web networks like Tor (2004), offer bad actors a practical means of transacting in products anonymously and lawfully.
The absence of discernible activity in non-traditional dark web networks is not evidence of their nonexistence. As per the guiding philosophy of the dark web, the actions are actually harder to identify and monitor. Critical mass is one of the market's driving forces. It seems unlikely that operators on the black Web will require a great degree of stealth until the repercussions are severe enough, should they be caught. It is possible that certain websites might go down, have a short trading window, and then reappear, which would make it harder to look into them.
References
- Ciancaglini, Vincenzo, Marco Balduzzi, Max Goncharov and Robert McArdle. 2013. “Deepweb and Cybercrime: It’s Not All About TOR.” Trend Micro Research Paper. October.
- Coughlin, Con. 2014. “How Social Media Is Helping Islamic State to Spread Its Poison.” The Telegraph, November 5.
- Dahl, Julia. 2014. “Identity Theft Ensnares Millions while the Law Plays Catch Up.” CBS News, July 14.
- Dean, Matt. 2014. “Digital Currencies Fueling Crime on the Dark Side of the Internet.” Fox Business, December 18.
- Falconer, Joel. 2012. “A Journey into the Dark Corners of the Deep Web.” The Next Web, October 8.
- Gehl, Robert W. 2014. “Power/Freedom on the Dark Web: A Digital Ethnography of the Dark Web Social Network.” New Media & Society, October 15. http://nms.sagepub.com/content/early/2014/ 10/16/1461444814554900.full#ref-38.