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byju's exam prep IAS has been the gateway to your IAS prep our YouTube channel is going to get even better from 2023 starting 2nd January the Hindu newspaper analysis will be conducted live every day at 10 AM by your beloved faculties not only this we have a whole new set of initiatives lying down for the new year to help you clear this prestigious exam so subscribe to our YouTube channel now and give links to your Civil Service history hello and welcome to byju's exam prep is let's get started a look into the first article the first article says leveraging voice technology to combat cyber fraud the article here is speaking about increasing cases of the Cyber fraud how we have to control them what are the technology that we can incorporate and what are the measures that have to be taken up let's look into the data according to data by Reserve Bank of India frauds have cost country and estimated one crore per day over the last seven years the frauds reported in 2021-22 where 23.69 percent higher than in the previous year although there was a decline in the amount involved what is the issue with respect to the Cyber fraud why is it increasing that is because most of us off late are engaging in the digital mode of transaction we make use of phone pay we make use of Google pay this is being exploited by few people added to it we engage in telephone banking we also engage in online transaction banking services as well this is where major issue occurs and they are exploiting the loopholes that are existing in the system this basically means that there are two issues that comes out of it one are the people who suffer because of it the other is the reputation of the financial institution is at stake as well and these two people ultimately filed the case with the police officers they also will have to investigate what this case is all about so we have three sections of the people who are engaged one is the people who suffer the reputation of the financial institution comes to a problem and then both these people reported to the investigating agency and they go about finding out what is the root cause of this issue so what are the various issues why cyber frauds is increasing and how is it increasing let's look at various types of cyber frauds the first happens to be fishing what is this fishing let's assume for a moment you have your account with this State Bank of India what the State Bank of India do it keeps sending you messages so in a similar way a person who knows how State Bank of India will send the message he may have a similar type of it and he will send you a message this particular message will give you a link like this and when...