WhatsApp Pay may put Indian digital banking at risk: Experts

Agencies
November 8, 2019

After WhatsApp accounts of 121 Indians were compromised by the Israeli spyware Pegasus, experts have warned that the payment feature the Facebook-owned platform is planning to launch in India may put the digital banking system at risk.

"WhatsApp payment needs to be seen with microscopic eye, primarily because in payment you will be dealing with sensitive personal data and cyber security is going to be an essential building block component for WhatsApp to demonstrate its due diligence," Pavan Duggal, one of the nation's top cyber law experts, told IANS.

The Ministry of Electronics and Information Technology (Meity) has already expressed dissatisfaction over the manner WhatsApp communicated about the compromised accounts.

The piece of NSO Group software called Pegasus allegedly exploited WhatsApp's video calling system by installing the spyware via missed calls to snoop on 1,400 users globally. The devices were compromised with just a WhatsApp video call.

In May, WhatsApp, which has 400 million users in India, urged its 1.5 billion global users to upgrade the app after discovering the vulnerability.

"WhatsApp's recent operations have shown that it's difficult for the government to get information from it. WhatsApp is an intermediary under the Information Technology Act and is mandated to exercise due diligence under the law. But it has failed to do due diligence," Duggal said.

"You should not be in a hurry to grant new licences or permission to WhatsApp without being satisfied with its adherence to cyber-security norms, international best practices and Indian laws," he said.

The Facebook-owned company is learnt to have countered the government charge that it didn't inform it about a privacy breach on the messaging platform. WhatsApp didn't even comply with the data breach notification law in India, Duggal said.

"It (WhatsApp) didn't follow reasonable security practices as mandated in Section 43A of the IT Act, 2000. In fact, it abetted the crime of un-authorised access too. Granting WhatsApp pay licence should be given a second thought by the Reserve Bank of India," said Prashant Mali, cyber lawyer at Bombay High Court.

In light of the recent hack, the government, the RBI and the National Payments Corporation of India (NPCI) is reportedly evaluating the risk of allowing social media apps into the digital payment ecosystem.

"With the government, the RBI and the NPCI planning to evaluate the risks involved in making payments via social media apps and services, the security of the UPI payment infrastructure on WhatsApp Pay has been rendered under a cloud of vulnerability," said Salman Waris, Managing Partner at TechLegis Advocates & Solicitors, a law firm.

The RBI revealed in an affidavit in the Supreme Court earlier that WhatsApp had not complied with the data localisation norms. In an April 2018 circular, the RBI stated that the data of any payment banking system have to physically located in India.

"The history of WhatsApp has shown that it's not cooperative with the government in sharing of information. If financial information is compromised, it will not only have an impact on users, but it can also have an impact on the sovereignty and security of India," Duggal said.

The government must go slow till the time WhatsApp demonstrates compliance to Indian law and showed that the platform was secure, he said.

"Because almost every phone user in India is on WhatsApp, it's all the more important for the government and the RBI to ensure that WhatsApp not only complies with the parametres of cyber security and data localisation norms, but also the IT Act and the rules and regulations thereunder.

"If WhatsApp doesn't comply with the data localisation norms, rules and regulations of the IT Act, then there is no question of granting new permission," Duggal said.

In a statement, a WhatsApp spokesperson said that safety and security of users remains the platform's highest priority.

"In May, our security team caught and stopped a cyber attack designed to send malware to mobile devices. Unable to break end-to-end encryption, this kind of malware abuses vulnerabilities within the underlying operating systems that power our mobile phones," the WhatsApp spokesperson said.

"Technology companies are constantly working to stay ahead of these kind of challenges through updates and patches. The safety and security of our users remains our highest priority, which is why in May we blocked the attack and have taken action in the courts to hold NSO accountable," the statement added.

Facebook filed a lawsuit against Israel's NSO Group last month. According to Facebook, the NSO Group violated laws, including the US Computer Fraud and Abuse Act.

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News Network
May 27,2020

New Delhi, May 27: With 6,387 new coronavirus cases in the last 24 hours, India's count of COVID-19 rose to 1,51,767 on Wednesday, said the Union Ministry of Health and Family Welfare.

170 people have also died in the last 24 hours due to the infection.

Currently, there are 83,004 active cases while 64,425 COVID-19 positive patients have been cured/discharged and one has migrated. So far, a total of 4,337 deaths have taken place across the country.

Among all states, Maharashtra has the highest number of COVID-19 cases with 54,758. Tamil Nadu has 17,728 cases with Gujarat at 14,821 cases. The national capital has 14,465 reported cases of coronavirus.

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News Network
June 18,2020

Beijing, Jun 18:  Besides washing hands and wearing masks, it is also important to close the toilet lid before flushing to contain the spread of COVID-19, as per a new study.

According to a new study cited by The Washington Post, scientists who simulated toilet water and airflows, have found that flushing a toilet can generate a plume of virus-containing aerosol particles that is widespread and can linger in the air long enough to be inhaled by others. The novel coronavirus has been found in the faeces of COVID-19 patients, but it remains unknown whether such clouds could contain enough virus to infect a person.

"Flushing will lift the virus up from the toilet bowl," co-author Ji-Xiang Wang, who researches fluids at Yangzhou University in Yangzhou, China, said in an email. Wang stressed that bathroom users "need to close the lid first and then trigger the flushing process" and wash hands properly if the closure is not possible. As one flushes the toilet with the lids open, bits of faecal matter swish around so violently that they can be propelled into the air, become aerosolised and then settle on the surroundings.

Experts call it the "toilet plume".Age-old studies have been made to understand the potential for airborne transmission of infectious disease via sewage, and the toilet plume's role. Scientists who have seeded toilet bowls with bacteria and viruses have found contamination of seats, flush handles, bathroom floors and nearby surfaces. This is one reason we are told to wash our hands after visiting the toilet. Public bathrooms are well known to contribute to the spread of viruses that transmit via ingestion, such as the noroviruses that haunt cruise ships. However, their role in the transmission of respiratory viruses has not been established, said Charles P Gerba, a microbiologist at the University of Arizona."The risk is not zero, but how great a risk it is, we do not know. The big unknown is how much virus is infectious in the toilet when you flush it ... and how much virus does it take to cause an infection," said Gerba, who has studied the intersection of toilets and infectious disease for 45 years.

A study published in March in the journal Gastroenterology found significant amounts of coronavirus in the stool of patients and determined that viral RNA lasted in faeces even after the virus cleared from the patients` respiratory tracts. While another study in the journal Lancet found coronavirus in faeces up to a month after the illness had passed.

Scientists around the world are now studying sewage to track the spread of the virus. According to the researchers, the presence of the virus in excrement and the gastrointestinal tract raises the prospect of transmission via toilets, because many COVID-19 patients experience diarrhoea or vomiting.

A study of air samples in two hospitals in Wuhan, China found that although coronavirus aerosols in isolation wards and ventilated patient rooms were very low, "it was higher in the toilet areas used by the patients".The Centers for Disease Control and Prevention (CDC) says it remains "unclear whether the virus found in faeces may be capable of causing COVID-19," and "there has not been any confirmed report of the virus spreading from faeces to a person".For now, the CDC characterises the risk as low based on observations from previous outbreaks of other coronaviruses such as severe acute respiratory syndrome (SARS) and the Middle East respiratory syndrome (MERS). Wang decided to use computer models to simulate toilet plumes while isolating at home, as per Chinese government orders and thinking about how a fluids researcher "could contribute to the global fight against the virus".

Published in the journal Physics of Fluids, the study found that flushing of both single-inlet toilets, which push water into the bowl from one port, and annular-inlet toilets, which pour water into the bowl from the rim's surrounding edge with even greater energy, results in "massive upward transport of virus".

Particles can reach heights of more than three feet and float in the air for more than a minute, it found. The paper recommends not just lid-closing and hand-washing, it urges manufacturers to produce toilets that close and self-clean automatically. It also suggests that toilet-users should wipe down the seat. Gerba, however, said seats should not be a major concern.

Research has found that public and household toilet seats are typically the cleanest surfaces in restrooms, he said, probably because so many people already wipe them off before using them. Also, he said of SARS-CoV-2, the virus that causes COVID-19, "I don't think it's butt-borne, so I don`t think you have to worry."Gerba, who has been studying coronavirus transmission for two decades to investigate the role of a toilet flushing in a SARS outbreak stresses "flush and run" when using a public toilet without a lid. Gerba also said that people should wash hands well post-flushing and use hand sanitiser after leaving the restroom. "Choose well-ventilated bathrooms if possible and do not hang around the restroom in any case," added Gerba.

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News Network
February 11,2020

New Delhi, Feb 11: The government has decided to rename National Institute of Financial Management (NIFM), Faridabad, as Arun Jaitley National Institute of Financial Management, an official statement said on Tuesday.

Set up in 1993 as a registered society under the Department of Expenditure, NIFM trains officers of Finance and Accounts Services recruited by the Union Public Service Commission (UPSC) as also officers of Indian Cost Accounts Service. The Union Finance Minister is the President of the NIFM Society.

"Aligning the vision and aspiration of the Institute for the future with the vision and contribution of late Arun Jaitley, the Government has decided to rename National Institute of Financial Management (NIFM) as the Arun Jaitley National Institute of Financial Management(AJNIFM)," the statement said.

NIFM has become a premier resource centre to meet the training needs of the central government for senior and middle level of management in the fields of public policy, financial management, public procurement and other governance issues for promoting highest standards of professional competence and practice.

Padma Vibhushan awardee Jaitley was the Union Minister for Finance and Corporate Affairs during May 26, 2014 to May 30, 2019.

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