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| Exclusive for Subscribers Daily: Cyber Slavery and Coastal Regulation Zone (CRZ) for the UPSC Exam? Why are topics like Convention on Biological Diversity (CBD), Operation Polo important for both preliminary and main exams? Discover more insights in the UPSC Exam Notes for November 04, 2024 |
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Critical Topics and Their Significance for the UPSC CSE Examination on November 04, 2024
Daily Insights and Initiatives for UPSC Exam Notes: Comprehensive explanations and high-quality material provided regularly for students
How cyber scams use social engineering and malicious APKs to swindle users?
For Preliminary Examination: Current events of national and international Importance
For Mains Examination: GS III - Science & Technology
Context:
In mid-October, traveller Bhargavi Mani claimed that she lost close to ₹1 lakh while trying to book lounge access at the Bengaluru airport. The scam was allegedly executed after Ms. Mani was asked to download an APK (Android Package format) file that looked like a regular app, shared via a WhatsApp chat originating from an international number.
Read about:
Cyber Crime
Cyber Slavery
Key takeaways:
The harmful APK became operational after Ms. Mani clicked on a link that allowed screen mirroring access to a supposed customer service representative during a video call. Upon reviewing her credit card statement later, she discovered an unauthorized charge of ₹87,125 to a PhonePe account. Although further transactions were attempted, they were blocked as her card had reached its spending limit. Additionally, Ms. Mani reported that her contacts could not reach her, and a man was answering her calls, possibly due to malicious call forwarding.
How do cybercriminals exploit Big Tech platforms?
- Ms. Mani indicated that she was directed to download the harmful app from a fraudulent website that has since been taken down. The URL she received was “Loungepass.in,” shared via a WhatsApp business account, which was registered to a phone with an international number. She noted that this fake site was among the top search results on Google, highlighting deficiencies in the verification process for major businesses listed online.
- In contrast, Loungepass.com is a legitimate site that enables users to pre-book airport lounge access at major airports. In Ms. Mani's instance, social engineering tactics were utilized to draw her to the counterfeit site, a common strategy among threat actors.
- It is crucial to recognize that Apple's iOS is designed to prevent the installation of apps from links that bypass the official Apple App Store, which enforces stringent security measures. This is where the scam's sophistication becomes evident.
How did the harmful APK function?
- The only method for downloading an app on an iOS device is through the official Apple App Store, where apps are verified and routinely scanned for malicious code to ensure user security.
- However, users have the option to download and test unreleased apps by enabling a hidden setting in iOS, which permits testing of beta versions from developers. “Apple’s Swift SDK also facilitates screen sharing, both within apps and in the background,” noted cybersecurity researcher Vishesh Kochher.
- Scammers can employ social engineering techniques to activate this setting, enabling users to download malicious apps that seem legitimate. In Ms. Mani's situation, once the harmful APK accessed her device, the scammers likely enabled call forwarding.
- This can be done, for instance, on Airtel’s network by dialing a specific code followed by the number to which calls should be forwarded, as explained by Mr. Kochher. With call forwarding active, scammers can easily receive one-time passwords (OTPs) for banking transactions.
- Mr. Kochher further explained that an app could be utilized on iOS to initiate phone calls. With calls redirected to the scammers' number and the app controlling outgoing calls, the scammers could carry out transactions without the user’s awareness.
- “The technical sophistication of the app used in this scam resembles those employed by online loan sharks, which access messages, photos, and stored information,” he added.
Who orchestrated the scam?
The website used to deceive Ms. Mani into downloading the harmful app has been removed. A simple search of the registered domain name reveals that the site was hosted by Hostinger and registered in Gujarat, India. However, further information about the individuals behind the website, such as their phone number, address, and organization, has been redacted from the registry, though investigators can request access to this data.
What is the extent of cybercrime in India?
- In 2023, Indian citizens reported losses of ₹66.66 crore across 4,850 cases of online scams. A report from the Indian Cybercrime Coordination Centre (I4C) indicated that digital financial fraud totaled an alarming ₹1.25 lakh crore over the past three years.
- According to the National Cybercrime Reporting Portal (NCRP), victims of digital financial fraud reported losses of at least ₹10,319 crore in 2023, alongside 5,252 suspicious URLs.
- The Parliamentary Standing Committee on Finance's report regarding ‘Cybersecurity and Rising Incidents of Cyber/White Collar Crimes’ highlighted that domestic fraud reported by Supervising Entities (SE) in FY23 amounted to ₹2,537.35 crore.
- The combination of advanced technical knowledge, social engineering tactics, and increasing data breaches exacerbates the issue. In 2023, India ranked fifth globally for breached accounts, with 5.3 million accounts compromised.
- Scams facilitated by social engineering and technical skill are unlikely to diminish soon. Users are advised to exercise caution when clicking on unverified links, downloading unfamiliar apps, and scanning QR codes.
- They should also regularly check for compromised passwords across their online accounts and frequently review their card statements for unauthorized transactions
Follow Up Question
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Answer (B)
In general, cyber insurance policies for individuals in India typically cover:
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The Union Ministry of Environment, Forest and Climate Change has sanctioned the Coastal Zone Management Plan (CZMP) for ten coastal districts in Kerala, which include Kasaragod, Kannur, Kozhikode, Malappuram, Thrissur, Ernakulam, Kottayam, Alappuzha, Kollam, and Thiruvananthapuram. This plan aligns with the Coastal Regulation Zone Notification of 2019, allowing these districts to benefit from relaxed CRZ regulations and to initiate development activities, including the construction of buildings toward the seaward side.
What is the Process?
- The Ministry has instructed the State government to publish the signed copies of the approved CZMPs for all ten coastal districts on the Kerala Coastal Zone Management Authority website within one month. The Ministry clarified that all applications for CRZ clearance submitted after the approval of CRZ 2019 will be assessed according to the 2019 Notification.
- The Union government has started designating certain areas as Coastal Regulation Zones (CRZ) to protect the unique coastal and marine environments, ensure livelihood security for fishing communities and local residents, and promote sustainable development based on scientific principles while considering the risks of natural hazards and rising sea levels due to climate change.
Implications for Kerala
- Kerala boasts a coastline of approximately 590 km, with nine out of its fourteen districts bordering the Arabian Sea. The 2011 Census recorded Kerala’s population density at 859 individuals per square kilometer, significantly higher than the national average of 382 per square kilometer.
- The coastal regions exhibit a notably higher population density compared to other areas in the State. It is estimated that five corporations, 36 municipalities, and 245 gram panchayats will fall under the CRZ regime across these ten districts.
- The intense demographic pressure has led to widespread violations of CRZ regulations along the coastline. Numerous land modifications, including illegal wetland reclamation and encroachments, have been reported in Kerala. Hundreds of structures have been constructed along the coast in clear violation of the rules.
- The CRZ 2011 regime, which was in effect until the CZMP approval, focused on preserving the coastal ecosystem, thus safeguarding the livelihoods of millions of fishers and coastal communities.
Benefits of the CZMP Approval
- The State government estimates that the CZMP approval will directly benefit around 1 million people by relaxing previous restrictions on new housing construction and repairs to existing homes. This approval is a prerequisite for states to implement CRZ 2019 and access its associated benefits.
- Under the new regime, the No Development Zone (NDZ)—which must remain untouched—around tidal-influenced water bodies will be reduced from 100 meters to 50 meters from the High Tide Line in at least 122 local bodies. Consequently, 37 village panchayats will be classified as CRZ-III A, where the NDZ has decreased to a quarter of its former size.
- CRZ-III A areas are densely populated rural zones, with a 2011 Census density of 2,161 people per square kilometer. The NDZ in this category will now extend 50 meters from the High Tide Line, compared to 200 meters stipulated by the CRZ 2011 notification.
- Additionally, 66 village panchayats will be moved into the CRZ-2 category, facilitating the construction of both commercial and residential buildings along authorized structures.
- The NDZ within Kerala’s CRZ areas will be halved, decreasing from 239.431 square kilometers to 108.397 square kilometers, as determined by the CRZ 2011 notification.
Concerns Regarding Mangroves
Large areas of mangrove vegetation, crucial for the coastal ecosystem and as breeding grounds for numerous fish and other organisms, may face exploitation due to the 2019 notification, which limits legal protections for government holdings larger than 1,000 square meters to 50-meter buffer zones. As a result, the buffer zones for mangroves will shrink from 4,300 hectares to 2,500 hectares across the State.
The new regulations also eliminate the mandatory buffer zone around mangrove areas located in private properties. While private landowners may welcome this change, it poses a significant risk to the already dwindling mangrove vegetation, potentially leading to the loss of vast areas of these vital ecosystems.
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Answer (D)
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- GS Paper I (Geography): Covers urbanization patterns, challenges of urban spaces, and sustainable urban development.
- GS Paper III (Environment): Relevant for issues like sustainable development, climate resilience in cities, and urban environmental management.
The United Nations emphasizes that cities are confronted with extraordinary challenges, particularly due to climate change. Despite progress towards achieving Sustainable Development Goals (SDGs), urban areas continue to grapple with issues such as poverty, inequality, and environmental decline. In the Global South, these problems are exacerbated by rapid urbanization, insufficient infrastructure, and a lack of resources. As a result, cities often experience housing shortages, limited access to clean water and sanitation, and heightened vulnerability to climate-related incidents.
Urbanization in India
- The path of urbanization in India is distinct from that of cities in the Global North. In Western nations, urbanization occurred after industrialization, which created jobs that absorbed rural labor.
- Additionally, their urban development was sustained by significant economic transfers from their colonies. Economist Utsa Patnaik has pointed out that India contributed more than $45 trillion to the British economy during colonial times.
- Conversely, India’s urbanization is primarily fueled by economic hardships, leading to what is termed “poverty-driven urbanization,” involving both rural-to-urban and urban-to-urban migration. The COVID-19 pandemic revealed significant pressures on urban planning, with reverse migration trends exposing infrastructure deficiencies.
Challenges of Urbanization in India
- In the absence of a 2021 Census, precise data on India’s urban population is lacking. According to World Bank estimates, about 40% of the population lives in urban areas, spread across approximately 9,000 statutory and census towns. Key challenges facing Indian cities include inadequate spatial planning, climate change, extensive migration, rising inequality and social segregation, and governance issues.
- Urban planning agencies encounter two major problems. First, many spatial and temporal plans are outdated and do not account for population growth. Since the 1980s, deindustrialization has led to job losses in cities like Ahmedabad, Delhi, Surat, and Mumbai, prompting many displaced workers to move to peri-urban regions, resulting in overcrowded living conditions.
- Currently, around 40% of India's urban population resides in slums. Second, planning efforts often prioritize capital growth over the needs of the population, resulting in a lack of local ownership and participation in the planning process.
- This has widened inequality, as exclusive developments cater to the affluent while millions are deprived of basic housing. Furthermore, climate change poses significant challenges, with cities facing severe pollution and increased incidents of urban flooding and "heat island effects." Notably, eight out of the ten most polluted cities in India are located in the National Capital Region (NCR) around Delhi.
- Despite the provisions of the 74th Constitutional Amendment, many Indian cities are still governed by undemocratic entities. Although cities have elected officials, they seldom possess control over urban planning, which is frequently delegated to parastatal and private organizations.
- For instance, less than three out of the 18 functions outlined in the 12th Schedule have been universally transferred to urban governments, and cities receive only 0.5% of the GDP in intergovernmental transfers. As we recognize World Cities Day, these challenges underscore the necessity for comprehensive national interventions
- Following India’s independence in August 1947, many princely states, including Hyderabad, were given the option to join either India or Pakistan or remain independent. Hyderabad, under the rule of Nizam Mir Osman Ali Pasha, was a large and strategically important state that chose to remain independent, despite its location being surrounded by Indian territory.
- The Nizam’s refusal to accede to India was coupled with rising tensions, including a growing insurgency led by the Razakars, a paramilitary group supporting the Nizam's rule and opposing integration with India. This led to communal violence and instability in the region.
Execution of Operation Polo
- Military Action: On September 13, 1948, the Indian Army launched Operation Polo, involving a swift military campaign to take control of Hyderabad. The operation lasted for about five days.
- Forces Involved: Approximately 40,000 troops from the Indian Army were deployed, supported by air power, to capture key locations in Hyderabad.
- Outcome: The operation culminated in the surrender of the Nizam's forces on September 17, 1948. The Indian Army took control of Hyderabad, and the Nizam agreed to join the Indian Union.
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Answer (B)
Operation Polo was undertaken to merge B. Hyderabad into the Indian Union
Operation Polo is often viewed as a crucial event in the consolidation of the Indian Union, demonstrating the challenges faced in integrating diverse princely states into a cohesive national framework. It also highlighted the tensions between different communities within Hyderabad and set the stage for future governance and administrative challenges in the region
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The Convention on Biological Diversity (CBD) is an international treaty aimed at conserving biological diversity, promoting sustainable use of its components, and ensuring fair and equitable sharing of benefits arising from genetic resources. Established during the Earth Summit in Rio de Janeiro in 1992, the CBD provides a framework for countries to develop national strategies for the conservation and sustainable use of biological diversity.
Key Objectives of the CBD:
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Conservation of Biological Diversity: Countries are encouraged to establish protected areas, conserve ecosystems, and maintain genetic diversity of species.
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Sustainable Use of Biological Resources: The CBD promotes the sustainable use of biological resources, ensuring that their utilization does not lead to their depletion.
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Fair and Equitable Sharing of Benefits: The treaty aims to ensure that benefits derived from genetic resources are shared fairly and equitably among countries and communities, particularly those that provide these resources.
Major Components:
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Access and Benefit-Sharing (ABS): The CBD establishes a framework for countries to regulate access to genetic resources and ensures that benefits derived from their use are shared with the countries of origin.
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National Biodiversity Strategies and Action Plans (NBSAPs): Countries are required to develop NBSAPs that outline their strategies for biodiversity conservation and sustainable use.
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Biosafety: The CBD addresses the safe handling, transport, and use of living modified organisms (LMOs) through the Cartagena Protocol on Biosafety.
Conferences of the Parties (COP):
The CBD holds regular meetings known as Conferences of the Parties (COP), where member countries review progress, set priorities, and make decisions to advance the objectives of the Convention. The COP also facilitates the exchange of information and experiences among parties.
1.‘Invasive Species Specialist Group’ (that develops Global Invasive Species Database) belongs to which one of the following organizations? (UPSC 2023)
(a) The International Union for Conservation of Nature
(b) The United Nations Environment Programme
(c) The United Nations World Commission for Environment and Development
(d) The World Wide Fund for Nature
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Answer (a)
The Invasive Species Specialist Group (ISSG) is a part of the IUCN and is responsible for developing the Global Invasive Species Database
The Invasive Species Specialist Group (ISSG) is a global network of experts under the International Union for Conservation of Nature (IUCN). The group focuses on the issue of invasive species, which are non-native organisms that, when introduced to a new environment, can cause harm to local ecosystems, economies, and human health
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| Subject | Topic | Description |
| History | Modern Indian History | Company rule and Crown rule 1773 - 1947 |
| History | Modern Indian History | Fall of Mughals |
| History | Modern Indian History | Establishment of British rule in India |
| History | Modern Indian History | Economic Policies of the British |
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