alt Hacker NewsI wouldn’t venture in the direction that many here will take.
I will point out that India have the highest number of victims of cyber-fraud. I personally know many people who have lost significant sums through social engineering attacks. The money is transferred to multiple mule accounts and physical cash is siphoned off to the fraudsters by the owners of those account. They choose helpless, illiterate, village dwelling account holders for this.
Another huge issue is unregulated loan apps. There are horror stories of people installing apps in order to take high-interest loans and then those apps stealing their private photos and contacts or accessing camera to take photos in private moments, and then sending those photos to contacts via WhatsApp when interest payment is overdue.
Then there are obvious security issues with terrorism and organized crime.
The government wants data. It's clear why. There is huge potential for misuse.
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> I will point out that India have the highest number of victims of cyber-fraud
Combined with worst enforcement and investigation efforts to tackle this issue. The default resolution on a cyber crime report is : Fraudster's account is blocked and they are given a choice to plead forgiveness from the accuser. They often return the money in lieu of the complaint being rescinded. Then fraudster is free to con others. Fraudsters know this is a numbers game that is why they hit every morsel they can get a bite.
Worse yet people use the cyber crime provision to take revenge. People can file frivolous cases without proof and ge others account locked. Banks will treat you with disdain and police will tell you to settle privately too.
What about investigations you ask? Very few cases reach that level. Local police file the FIR and they don't even know what is "cyber" in cyber crime. Fraudsters can continue playing the numbers game.
So, yes it is easy to talk about victims when the policies are lacking. And then this high number of victims can be used as a crutch to push insecure apps on everyone's phones. The worst part of it? They will get data and still remain clueless and inept in solving the high number of cyber crimes.
Gonna agree with you, even Singapore has announced several policy changes the past few weeks to deal with all the fraud - more severe punishment and forcing apple to change how iMessage spam with .gov.sg domains is handled.
I don't think this new app will resolve India's fraud issues unfortunately, there probably needs to be more policy changes at banks/fincos. As much as India obsesses with KYC processes, it doesn't seem to be working/enough. I don't see this new app being required as something totalitarian, it would be much easier for the gov to ask for that type of stuff to be tacked on to UPI apps anyways.
Yeah this is the wrong audience for this argument, but it has merit. An app like this can be both a massive government power grab and useful to protect many, many people who are vulnerable to fraud.
The number of my relatives that will just believe whatever someone tells them on the phone is terrifying.
> I will point out that India have the highest number of victims of cyber-fraud
Based on what?
> Another huge issue is unregulated loan apps
You don't need to root everyone's phones to regulate financial crime.
> Then there are obvious security issues with terrorism and organized crime
India is building a centralised backdoor into every phone in the country. That's a massive national security risk.
And you trust the government to only use it for good purposes? and not to track people who may be protesting or belong to opposing political/religious/cultural views? We know based on historical pegasus complaints that this trust has to be earned and can't be given.
There are lots of ways to solve for this, mandating that these companies own the identification process through their systems, report misuse, govern apps. Why taken on the ownership of a process that is better handled outside of government while the government holds them to account via huge fines and timelines but giving these large companies ownership of protection from scams or stolen phones etc...? win win and I think these large companies are due spending extra money to protect their users anyway.