Combating Cybercrime in India: From Reactive Measures to a Proactive, AI-Driven Framework
UPSC Relevance
Prelims: Science and Technology (Artificial Intelligence, Blockchain, Cybersecurity); Indian Economy (Digital Payments, Banking, KYC norms); Governance.
Mains:
General Studies Paper 2 (Governance): Important aspects of governance, transparency and accountability, e-governance applications and limitations.
General Studies Paper 3 (Security & S&T): Challenges to internal security through communication networks, basics of cyber security; money-laundering and its prevention; Science and Technology- developments and their applications and effects in everyday life; Awareness in the fields of AI.
Key Highlights from the News
India's digital transformation has created fertile ground for new types of cybercrime.
Criminals are increasingly using social engineering tactics that exploit human emotions like fear and greed, rather than just hacking.
New scams like Digital arrests, where fraudsters impersonate police officers to extort money, are on the rise. 🕵️♂️
Systemic failures contributing to the increase in these crimes:
Banks fail to detect and monitor unusual transactions in advance.
Mule accounts with weak KYC standards are widely used.
Cyber police lack the necessary modern technology, training, and personnel.
Solution: Shift from the current reactive approach to a proactive prevention system.
For this, the article suggests using Artificial Intelligence (AI) and Machine Learning (ML). AI can learn customer's normal transactions and detect and alert on unusual ones in real-time.
An integrated system for real-time information sharing between banks, cyber police, and telecom companies is necessary.
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