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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Agencies
June 14,2020

New Delhi, Jun 14: Petrol price on Sunday was hiked by a record 62 paise per litre and that of diesel by 64 paise as oil companies for the eighth day in a row adjusted retail rates in line with cost since ending an 82-day hiatus in rate revision.

Petrol price in Delhi was hiked to Rs 75.78 per litre from Rs 75.16 while diesel rates were increased to Rs 74.03 a litre from Rs 73.39, according to a price notification of state oil marketing companies.

Rates have been increased across the country and vary from state to state depending on the incidence of local sales tax or VAT.

The 62 paise a litre increase in petrol and 64 paise hike in diesel price is the highest surge in rates since the daily price revision was started in June 2017.

This is the eighth daily increase in rates in a row since oil companies on June 7 restarted revising prices in line with costs, after ending an 82-day hiatus.

In eight hikes, petrol price has gone up by Rs 4.52 per litre and diesel by Rs 4.64 -- a record increase in rates in any eight days since the daily price revision was introduced.

The freeze in rates was imposed in mid-March soon after the government hiked excise duty on petrol and diesel to shore up additional finances.

Oil PSUs Indian Oil Corp (IOC), Bharat Petroleum Corp Ltd (BPCL) and Hindustan Petroleum Corp Ltd (HPCL), instead of passing on the excise duty hikes to customers, adjusted them against the fall in the retail rates that was warranted because of international oil prices falling to two-decade lows.

The government had first raised excise duty on petrol and diesel by Rs 3 per litre each on March 14 and then again on May 5 by a record Rs 10 per litre in case of petrol and Rs 13 on diesel. The two hikes gave the government Rs 2 lakh crore in additional tax revenues.

State-owned fuel retailers IOC, BPCL and HPCL had frozen petrol and diesel prices since March 16, as if anticipating the government move and set off gains they accrued from continuing drop in international oil prices against the excise duty hike.

They, however, promptly passed the increase in local sales tax or VAT by state governments such as Rs 1.67 increase in VAT on petrol and Rs 7.10 in diesel by the Delhi government on May 4.

The total incidence of excise duty on petrol has risen to Rs 32.98 per litre and that on diesel to Rs 31.83. The excise tax on petrol was Rs 9.48 per litre when the Narendra Modi government took office in 2014 and that on diesel was Rs 3.56 a litre.

The government had between November 2014 and January 2016 raised excise duty on petrol and diesel on nine occasions to take away gains arising from plummeting global oil prices.

In all, duty on petrol rate was hiked by Rs 11.77 per litre and that on diesel by 13.47 a litre in those 15 months that helped government's excise mop up more than double to Rs 2,42,000 crore in 2016-17 from Rs 99,000 crore in 2014-15.

It cut excise duty by Rs 2 in October 2017 and by Rs 1.50 a year later. But it raised excise duty by Rs 2 per litre in July 2019.

It again raised excise duty on March 14 by Rs 3 per litre.

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News Network
February 10,2020

New Delhi, Feb 10: A 44-year-old man allegedly killed his daughter and son before ending his life by jumping in front of a Delhi metro train at Haiderpur Badli Mor station on Sunday, police said.

No suicide note has been recovered, but police claimed that the man, Madhur Malani, was depressed since his sandpaper-manufacturing factory was closed some six months ago due to financial crunch leaving him jobless. Madhur's parents had been supporting his family financially since then.

He used to stay with his wife Rupali, daughter Samiksha (14) and six-year-old son Shraiyans at a rented house in northwest Delhi's Shalimar Bagh area, they said.

Rupali was not at home when Madhur strangled their children. He might have also smothered their daughter but the exact cause of death would be ascertained only after the post-mortem reports arrive, a police official said.

After killing his two children, he jumped in front of an approaching train at Haiderpur Badli Mor Metro station following which he was rushed to a hospital where doctors declared him 'brought dead', the official said.

Metro services on the Yellow Line were briefly delayed due to the incident.

"Delay in services from Samaypur Badli to GTB Nagar due to a passenger on track at Haiderpur Badli Mor," the Delhi Metro Rail Corporation (DMRC) tweeted.

After about 15 minutes, it again tweeted that normal services have been restored. The Delhi Metro's Yellow Line connects Samaypur Badli in Delhi to HUDA City Centre in Gurgaon.

The suicide was reported to the police around 5.40 pm while the Shalimar Bagh Police station received a call about the killings around 6.50 pm.

On reaching the house, police found bodies of the children lying in beds in two rooms. During enquiry, it was learnt that their father has left the house, a senior police officer said.

While police were trying to trace Madhur, they learnt about a suicide at the metro station. On verifying the details, it surfaced that Madhur committed suicide after killing his children, the officer said.

Rupali told police that she had gone to a nearby market around 3 pm and on returning home she found the bodies of her children while her husband was missing.

A case under relevant sections of the IPC has been registered and investigation was underway, Deputy Commissioner of Police (Northwest) Vijayanta Arya said.

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News Network
January 12,2020

Kolkata, Jan 12: Strongly defending the new citizenship law, Prime Minister Narendra Modi said on Sunday the dispute that has arisen over it has made the world aware of persecution of religious minorities in Pakistan.

He, however, deplored that a section of the youth is being “misguided” over the Citizenship (Amendment) Act, which is aimed at giving and not taking away anybody's citizenship rights.

“CAA is not about taking away citizenship, it is about giving citizenship. Today, on National Youth Day, I would like to tell this to the youngsters of India, West Bengal, North East that this is not an overnight law for giving citizenship.

“We must all know that any person of any religion from any country of the world who believes in India and its Constitution can apply for Indian citizenship through due process. There's no problem in that,” he told a gathering at Belur Math, the headquarters of Ramkrishna Mission.

Modi said even Mahatma Gandhi had favoured Indian citizenship to those fleeing religious persecution and that his government has only delivered on the wishes of the freedom fighters.

Referring to anti-CAA protests in the North-East, Modi vowed to protect the distinct identity and culture of the people of the region, and asserted the new law will not hurt their interests.

“We've only done what Mahatma Gandhi had said decades ago. Should we send these refugees back to die? Are they our responsibility or not? Should we make them our citizens or not?” he said, evoking a thunderous applause by the gathering.

Modi said some people with political interests are deliberately spreading rumours about the new citizenship law, despite “complete clarity” over the CAA.

“Our initiative to amend the citizenship act has created a dispute. It is the result of our initiative that Pakistan will now have to answer why they have been persecuting minorities for the last 70 years. Human rights have been demolished in Pakistan,” he said.

Seeking to assuage the concerns of the people of the North-East, Modi called the region “our pride”. “Their culture, traditions and demography remains untouched by this amended law,” he said.

He said the citizenship law was only “changed a little” for those who were ill-treated in Pakisan after Partition.

“They were having a bitter time living there. Women were in danger of losing their pride,” he said.

“Young people have understood the whole thing but those who want to indulge in politics over it will not,” he said.

Modi said five years ago, there was disappointment among the youth of the country, but the situation has changed now.

“Not just India, the entire world has a lot of expectations from the youth of the country. The youth are not afraid of challenges....they challenge the challenges,” he said at the Belur Math, the abode of Swami Vivekananda for several years until his death in 1902, aged 39 years.

Modi, an ardent devotee of Vivekananda, spent the night at the Math.

He has a long association with the Ramkrishna Mission order founded by Vivekananda in 1897. Inspired by the teachings of Vivekananda, Modi had arrived at the Mission Ashram in Gujarat's Rajkot and expressed desire to join the order.

Swami Atmasthananda, who later went on to become the 15th president of the Ramakrishna Math and the Ramakrishna Mission, then headed the Rajkot branch and had advised him that sanyas was not for him and that he should work among people.

During those days, Modi used to regularly meet Atmasthananda and sought his spiritual guidance.

Although Modi went back after spending some time there his the relationship with Swami Atmasthananda and the Ramkrishna Mission continued.

Whenever Modi used to visit Kolkata, even during his days as Gujarat chief minister, he would travel to the Math.

In 2013, during his Kolkata visit, he had gone to Belur and sought the blessings from Atmasthananda.

He had in 2015 called on ailing Swami Atmasthananda at Ramakrishna Mission Seva Pratisthan, a hospital run by the Mission in south Kolkata and enquired about his health.

After Atmasthananda's death in 2017, Prime Minister Modi had termed it as a “personal loss”.

On Sunday, the prime minister paid tributes to Swami Vivekananda on his birth anniversary, which is celebrated as the National Youth Day, and spent some time in the spiritual leader's room in quietude.

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