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Showing posts with label WhatsApp. Show all posts
Showing posts with label WhatsApp. Show all posts

Wednesday, July 25

UPSC REVISION: SOCIAL MEDIA REGULATION



23 Social Media Regulation
In the past two months, more than 20 people have been killed in attacks by mobs that have been provoked by messages on social media. Several media outlets are urging for some immediate action against WhatsApp without offering any concrete ideas. The government has warned WhatsApp’s parent company, Facebook, that it cannot evade “accountability and responsibility”. Meanwhile, WhatsApp has offered an award of $50,000 to anyone who can help stop the spread of fake news on its platform.
2015: T.N. Seema, a Rajya Sabha MP, had asked the Home Ministry to clarify “the mechanism existing with government to deal with the danger of high-tech rumour-mongering kind of Internet-rumour-bombs which may lead to communal tension and fear among the common masses.”
THREATS
1. National security challenges like spread of terrorism, hawala money in form of crypto currency etc.
2. Spreading of fake news and rumors leading to mob lynching as recently seen in Karnataka and Assam.
3. Data snooping and misuse of online data analysis for nefarious purposes like manipulating elections as seen in Cambridge Atlantica case.
4. Online harassment and trolling.
5. Has Resulted in emergence of new forms of crimes like online child grooming, Revenge porn etc.
6. Online frauds and hacking of sensitive data.

It is difficult to overcome these challenges as:
1. Huge and expanding number of users + UNLIMITED BANDWIDTH + EASY-TO-USE CELL PHONES
2. Negative implications on various businesses and activities, schemes of government like Aadhaar, BHIM etc. by frequent internet shutdowns. (Indian Council for Research on International Economic Relations says that between 2012 and 2017, India lost around ₹20,000 crore due to internet shutdowns.) (In 2017, according to data from the Software Freedom Law Center (SFLC), India had 70 Internet shutdowns. We’re halfway through 2018 and we have already reached that number. An Internet shutdown is a suspension of the constitutional right to free speech ; a disproportionate act of censorship of all speech in response to the actions of a few.)
3. Ineffectiveness of censorship on content and its impact on freedom of citizens. (In Russia during the Stalinist era, for instance, despite strict state control of information, poems and manuscripts by dissidents were copied by hand and circulated. In apartheid bound South Africa, Nelson Mandela’s diaries were written on toilet paper and circulated. During the Emergency in India , newspapers carried blank columns and subversive obituaries.)
4. Difficulty in prosecution and tracking of crime due to jurisdiction problems and anonymity offered by the internet
5. Lack of digital literacy amongst people.
6. AI is still in early stages of development and cannot be used to regulate the sector.
7. END TO END ENCRYPTION

Way forward:
1. Responsible use of social media must be taught by increasing digital literacy .
2. Joint steps by government and social media platforms must be taken like recent step by Facebook to spread awareness wrt responsible use of social media. (responsibility of WhatsApp should be assessed with appreciation for how the platform actually works. This should not be used as an excuse to break encryption and deprive secure communications to users. There was a legal tussle between Apple and the Federal Bureau of Investigation over access to the iPhone used by a shooter in the San Bernardino shooting in 2015. These tussles between technology companies and the government do not have any good outcomes for the users.)
3. Strengthen of Cyber security organizations and IT cells of law enforcement agencies.
4. International consensus wrt easier Extradition and prosecution of Cyber criminals.
5. Data protection and privacy must be enhanced.
6. if you encourage, and permit, poisonous discourse , it will find the most convenient vehicle for dissemination, in this instance the internet and social media. Crippling the vehicle solves nothing when the problem lies in the flourishing politics of hatred and divisiveness.
7. LAW ENFORCEMENT CAPACITY + PROSECUTION
8. RESPONISBLE BUSINESS MUST BALANCE SOCIAL RISKS AND SOCIAL NEEDS
STEPS WHATSAPP CAN TAKE:
1.   WhatsApp needs to change its platform to enable messages to be either public or private. Messages between individuals should remain private and not be those that can be forwarded. However, if a message creator wants to enable the forward ability of that message, the chat should be treated as public, and attributed with a unique ID linked to the original creator. This will allow WhatsApp to shut down such a message across its network once it is reported, and identify the creator when a court-directed request is made by law enforcement agencies.
2.   As a range of organisations led by SFLC.in have pointed out, WhatsApp allows people to be added to groups without their knowledge or consent. This is a bug in the platform that causes increased social risk, because socially inflammatory messaging is easily spread by adding people to groups formed for the purpose of incitement.


Monday, March 12

GK: WhatsApp Payments: Who will pay and who will gain? (ECONOMICS)


What is the Payments feature on WhatsApp? Who can get it?

WhatsApp has based its Payments feature on the Unified Payments Interface (UPI), which allows instant direct bank-to-bank transfers via a virtual payee address. Since Payments is still in the live beta-testing stage, not all users are seeing it reflected in their app. WhatsApp’s terms and conditions for using the feature say the user must be 18 years or older, but it is not clear how this will be verified.

So, is WhatsApp now processing monetary transactions?

No. WhatsApp is not a bank, and it cannot process financial transactions. The terms and conditions of using the feature say that WhatsApp is partnering with ICICI Bank. Once Payments is activated on a user’s WhatsApp, they can link their bank account to the app. A payment instruction can then be attached to a message, in the same way as users attach a file, a video or a photo. A UPI PIN and a bank account where UPI is supported, are needed for the transaction. Also, the receiver of the payment, too, must have the Payments feature enabled in their app. WhatsApp has said all payment transactions are final, and there is no option for refunds or chargebacks

What information will a user have to part with in order to activate Payments on WhatsApp?

After a user has accepted the terms and conditions, she is asked to choose from a list of banks, which includes most major UPI-based banks. She will have to enter her debit card information to sync the app with her account. Also, the WhatsApp account has to be linked to the same mobile number that is linked to the bank account. UPI on BHIM has a similar provision, since the mobile number is used as an identifier to locate the bank account. Each transaction on WhatsApp Payments has to be authorised by a four-digit UPI PIN, which is generated when a user activates the feature on her bank account. 

Is there a limit to how much you can transfer? And can you make payments to Groups?

WhatsApp says Payments is peer-to-peer based. WhatsApp has not specified an upper limit on transfers, but it appears that in beta-testing, only a limited amount can be sent. The exact ceiling should be revealed once the service goes live. WhatsApp Payments will work on Group chats; users will be able to pick an individual member in a WhatsApp Group to send money to.

And can WhatsApp Payments be used to pay a business?

It looks like businesses and merchant accounts are excluded as of now. However, given that WhatsApp now has a Business version of the app in India, it can be expected that these accounts will be allowed to accept payments in the future. But there is no announcement as yet.

What about issues of privacy? Will WhatsApp share users’ information with other companies?

WhatsApp says it “does NOT RETAIN” debit card details or the UPI PIN. However, it does look like it will share some information with third parties, including with its parent, Facebook. The privacy policy for WhatsApp Payments says that those who agree to the service are also agreeing to the company’s “data practices, including the collection, use, processing, and sharing of your information as described in our Privacy Policy and our Payments Privacy Policy, as well as the transfer and processing of your information to the United States and other countries globally where we have or use facilities, service providers, or partners, regardless of where you use Payments”.

WhatsApp will automatically collect information when a user sends or receives a payment, including the date and time, the sender and receiver’s VPA and name, and reference transaction number, according to the privacy policy. The app confirms it is working with third-party providers and services for Payments, and that these might give WhatsApp information about Payments transactions in certain circumstances. It adds that some of this information could be shared with Facebook.

Why are players like Paytm upset with WhatsApp Payments?

WhatsApp’s 200 million active user base in India could make Payments a gamechanger — and can potentially wreck other mobile wallets. People may switch entirely to the app for smaller, daily transactions. Once businesses are allowed to accept payments via WhatsApp, the feature’s use could be boosted further. WhatsApp currently does not allow UPI payments to those who are not on WhatsApp — whereas the NPCI’s rules for UPI state that interoperability is key to the system, i.e., a user with a UPI account should be able to transfer to another UPI address irrespective of platform (say, from Google Tez to BHIM). NPCI has, however, clarified that WhatsApp Payments is only in a beta test, and full launch will not be allowed unless all principles of the interface are fulfilled.