A war on any nation is not just an attack in the border or fights between the troops of nations, it need not be a military encroachment or a physical terrorist attack like the 26/11 incident. But attack on the people of a country, their morale, their dignity , their privacy should also be considered as an attack on the nation. The past two years the infiltration into the nation is happening in large scale and it is draining the economy and claiming the lives of innocent people.
When we talk about Cyber Terrorism, most of the times, it is largely about the cyber attacks on the government sites or military bases. But we have to understand that draining off the people of a country in any form is also to be considered as cyber attack.
When we say we are under Cyber attack it is not happening to all the people of India. The attack is aimed mainly at the middle class and lower middle class and lower income people who are at the verge of need of money at times not just for emergency needs but also for their day to day needs. People are ready to accept monetary help in any form and they forget that it is not a help but a loan they are provided with and they are bound to repay it within the period of time.
WHERE DOES CYBER ATTACK COME IN THIS?
When I say they are accepting a help, it is not a physical signed money loans they are getting but they are getting loans from online loan apps. It has been found that there are more than 1100 online loan apps flooding the Indian market (there are apps that target specific countries) targeting the Indians at large. These apps advertisements flood the social media sites of Facebook, Instagram, YouTube which are used at the max by Indians. These ads claim that the loan offered by these apps are up to 1lakh and can be repaid in 90 days. Here lies the catch - people ignore the word UPTO. And also when they say it could be repaid in 90 days it is not actually so but a time for your line of credit is 90 days.
In reality these loan apps take advantage of those who download the app and submit those documents that are required and give them loans ranging from Rs.1000 to Rs.10000. But to get a loan of about Rs.10000 you should have taken loan and repaid it for a minimum of 8 to 10 times. There is also another catch here that people don't know, which is, for a loan amount of Rs.1000 you will be credited an amount of Rs.480 to Rs. 600 only and the balance is deducted as service charge and GST and other charges (There is a doubt whether these apps really pay GST). And repayment is not what you got into your account but the amount that is approved by the app which is Rs. 1000 and that too it is to be repaid within 7 days.
If you have repaid it then you are safe. And if you realize that you are being cheated, then you are in a better place. If you decide to uninstall the app or apps and forget taking loans again in these online apps then you are at the best position. But if you are unable to pay off the Rs.1000 and you take the help of another such app or apps to get the required money you are falling into the trap slowly and there starts the cyber attack.
At one point you are unable to mobilize funds from anywhere and you feel that you cannot pay the money on that day and you start requesting the customer care who call you to inform you that it is your due date to repay (you are given a loan for 7 days but you will be called on day 5 or day 6 saying that their server will not work the next day and so you have to pay on that day) the attack starts - they start with a slow tone, slowly increase their voice start shouting then start abusing this continues till you pay. But if you are still unable to pay, then the real attack starts.
While applying for a loan in a app, the user have given a few permissions - unless you give those permissions, you cannot enter the app and unless you give those permissions you will not be able to take loan. These permissions give access to the contact list, gallery, SMS etc. in your phone, which means they can access your phone from a remote place. They I mean the people behind the apps. So once you are unable to pay the amount on the day they specify, your contacts are all messaged either in normal SMS or in WhatsApp or even called telling that such and such person have taken loan and is not able to pay and so help them to pay the loan.
For an amount of Rs.1000 they damage your name and dignity amongst friends and family and relatives. Not just that in the recent times they have gone to even more extent of writing fraud on the pan card and circulating it and if there is no response for even that morphed pictures are sent to the contact list.
The draining up of people of their money in terms of service charges, processing fees and GST and using data collected in a wrong way, which is data breach, are all collectively considered to be an attack on the people of a country and we can now clearly say India is under a huge CYBER ATTACK and the CYBER TERRORISM is happening at large all over India.
DETAILS ABOUT THE ONLINE LOAN APPS GIVEN IN THIS ARTICLE IS COLLECTED FROM THE VARIOUS YOU TUBE VIDEOS AND ONLINE ARTICLE REPORTS.
Comments