The internet has made the world more linked than ever before. While taking advantage of this online transition, cybercriminals target flaws in online systems, networks, and infrastructure. Businesses, government organizations, people, and communities all across the world, particularly in African countries, are all severely impacted on an economic and social level. Many African countries focused more on developing secure electricity and internet networks; yet, cybersecurity usually receives less attention than it should. One of Africa's major issues is the (...) lack of adequate digital security infrastructure, which has harmed businesses, governmental institutions, and individual communities more than it has helped. The majority of African countries operate without cybersecurity measures in place to combat cyberattacks. Only a few examples of today's cyber risks include digital extortion, business email intrusion, data breaches, online fraud, ransomware, and phishing, and new types of cybercrime are always developing. Due to the advent of new technology, cybercriminals have become more organized and quicker in their attacks and alliance creation. To maintain a secure digital environment for all internet users, this study focused on the challenges, solutions, and need for African countries to improve their online safety by tackling cybercrime, online fraud, and cybersecurity concerns. The objective of this study is to offer practical and long-term answers to the problems posed by cybercrime, with a continuing emphasis on enhancing online safety. It will assess the effectiveness of cutting-edge cybersecurity measures, legislative frameworks, and cross-border cooperative efforts, as well as potential areas for improvement. Additionally, the study will examine cutting-edge methods like blockchain technology, machine learning, and other cutting-edge methods that could improve our using digital defences to stop cybercrime. (shrink)

: The rise of digital platforms for job recruitment has brought with it a growing threat of fraudulent job postings, undermining the trust and safety of online hiring systems. This paper proposes an advanced fraud detection system based on the ALBERT (A Lite BERT) model to identify fraudulent job postings. The system will utilize a dataset created by merging job postings from multiple sources to better capture both legitimate and fraudulent job listings. A comprehensive pre-processing pipeline, including data (...) cleaning and feature engineering, will be applied to prepare the data for model training. The system will incorporate various techniques, such as SMOTE (Synthetic Minority Over-sampling Technique), to address class imbalance. The ALBERT model will then be fine-tuned to classify job postings, and the system will be evaluated using standard performance metrics like accuracy, precision, recall, and F1-score. The goal is to provide an effective and scalable solution for detecting fraudulent job postings in real-time, enhancing the overall security and trustworthiness of online recruitment platforms. (shrink)

This short article introduces the notion that there is a historical relationship between technology and fraud, that two opposing viewpoints argue whether technology is or is not capable of harm, and lastly that platforms can in fact benefit from fraudsters operating on them parasitically.

We aimed to identify the critical insights from empirical peer-reviewed studies on online romance fraud published between 2000 and 2021 through a systematic literature review using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) protocol. The corpus of studies that met our inclusion criteria comprised twenty-six studies employing qualitative (n = 13), quantitative (n = 11), and mixed (n = 2) methods. Most studies focused on victims, with eight focusing on offenders and fewer investigating public perspectives. (...) All the victim-focused studies relied on data from the Global North, except for Malaysia. Five offender-focused studies used online data available in the public domain, and three derived their data from West Africa. Our review highlights offenders' techniques to deceive and manipulate victims, as revealed in these studies, and highlights some limitations of offender- and victim-focused studies. The dominant framework used across the studies was found to be the “Scammers Persuasive Techniques Model.” While this framework provides a helpful way of considering the stages of victim involvement, it also faces some limitations, which we highlight. Our study reviews the current state of empirical knowledge on romance fraud and identifies certain gaps and biases in the literature. We argue there is a need for further research into online romance fraud to enhance our understanding of it both from the perspective of the offender as well as the experience of the victim. We also highlight the need for a more inclusive and greater range of regional and global diverse range of data sources and perspectives. Given the scale and impact of online romance fraud, we conclude that its study would benefit from a richer empirical engagement that recognizes it as both a regional and global phenomenon. (shrink)

This is a theoretical treatment of the term "Sha Zhu Pan" (杀猪盘) in Chinese, which translates to “Pig-Butchering” in English. The article critically examines the propagation and validation of "Pig Butchering," an animal metaphor, and its implications for the dehumanisation of victims of online fraud across various discourses. The study provides background information about this type of fraud before investigating its theoretical foundations and linking its emergence to the dehumanisation of fraud victims. The analysis highlights the (...) disparity between academic literature, subjected to rigorous peer-review processes, and sensationalised narratives prevalent in the media. While academic works subject "pig butchering" to critical scrutiny and refrain from endorsing derogatory terms to depict fraud victims, numerous media outlets employ this term uncritically, further worsening the predicament of these victims. "Pig butchering" is firmly rooted in the concept of dehumanisation, and this article underscores how language moulds perceptions of fraud and behaviour, extending to the development of preventive strategies. The role of law enforcement agencies in generating and disseminating materials is also a central theme, emphasising their responsibility as trusted sources of information. We suggest that these agencies should adopt non-victim shaming language to encourage victims to report crimes and alleviate the stigma attached to victimisation. Additionally, the article offers valuable cross-cultural insights by comparing metaphors from Chinese and Nigerian contexts. This comparative analysis enriches our comprehension of the global dimensions of online fraud and its cultural diversities, highlighting the substantial impact of language on perceptions and behaviours. We advocate for a departure from victim-blaming tendencies perpetuated by select media outlets, urging a more compassionate and accurate portrayal of those affected by online fraud. We, therefore, call for a more empathetic and accurate portrayal of individuals affected by online fraud, aligning with the broader objective of promoting understanding and support for these victims. (shrink)

The significant losses that banks and other financial organizations suffered due to new bank account (NBA) fraud are alarming as the number of online banking service users increases. The inherent skewness and rarity of NBA fraud instances have been a major challenge to the machine learning (ML) models and happen when non-fraud instances outweigh the fraud instances, which leads the ML models to overlook and erroneously consider fraud as non-fraud instances. Such errors can (...) erode the confidence and trust of customers. Existing studies consider fraud patterns instead of potential losses of NBA fraud risk features while addressing the skewness of fraud datasets. The detection of NBA fraud is proposed inthis research within the context of value-at- risk asa risk measure that considers fraud instances asa worst-case scenario. Value-at-risk uses historical simulation to estimate potential losses of risk features and model them as a skewed tail distribution. The risk-return features obtained from value-at-risk were classified using ML on the bank account fraud (BAF) Dataset. The value-at-risk handles the fraud skewness using an adjustable threshold probability range to attach weight to the skewed NBA fraud instances. A novel detectionrate (DT) metric that considers risk fraud features was used to measure the performance of the fraud detection model. An improved fraud detection model is achieved using a K-nearest neighbor with a true positive(TP) rateof0.95 anda DT rateof 0.9406. Under an acceptable loss tolerance in the banking sector, value-at-risk presents an intelligent approach for establishing data- driven criteria for fraud risk management. (shrink)

Given the growing dependence on digital systems and the escalation of financial fraud occurrences, it is imperative to implement efficient cyber security protocols and fraud detection methodologies. The threat's dynamic nature often challenges conventional methods, necessitating the adoption of more sophisticated strategies. Individuals depend on pre-established regulations or problem-solving processes, which possess constraints in identifying novel and intricate fraudulent trends. Conventional techniques need help handling noise data and the substantial expenses incurred by false positives and true positives. To (...) tackle these obstacles, the present study introduces Deep Fraud Net, a framework that utilizes deep learning to detect and classify instances of financial fraud and cyber security threats. The Deep Fraud Net system model entails the utilization of a deep neural network to acquire intricate patterns and characteristics from extensive datasets through training. The framework integrates noise reduction methods to enhance the precision of fraud detection and improve the quality of input data. The Deep Fraud Net method attains a precision of 98.85%, accuracy of 93.35%, sensitivity of 99.05%, specificity of 93.16%, false positive rate of 7.34%, and true positive rate of 89.58%. The findings suggest that Deep Fraud Net can effectively detect and categorize instances of fraudulent behavior with a reduced occurrence of misclassifications. The method exhibits potential implications for diverse domains that prioritize robust security and fraud detection, including but not limited to banking, e-commerce, and online transactions. (shrink)

The rapid evolution of digital banking, e-commerce, and financial technologies has led to an unprecedented volume of online financial transactions. While this digital transformation has improved convenience and efficiency, it has also exposed systems to increasingly sophisticated fraud schemes. Traditional rule-based detection methods often fall short in identifying complex and adaptive fraudulent behaviors. This paper proposes an AI-powered framework for real-time fraud detection in financial transactions, leveraging advanced machine learning and deep learning models to identify anomalies with (...) high accuracy and low latency. The proposed system integrates real-time data stream processing, behavioral analytics, and model explainability to ensure prompt and reliable fraud mitigation. Additionally, it includes adaptive learning mechanisms that enable continuous improvement based on new fraud patterns. The architecture is designed to scale across distributed environments, making it suitable for high-throughput, mission-critical financial platforms. Experimental results demonstrate the system’s superior performance compared to conventional techniques in terms of detection accuracy, response time, and false positive reduction. (shrink)

As more people utilise online banking services, the large losses that banks and other financial institutions sustained because of new bank account (NBA) fraud are concerning. Machine learning (ML) models have faced significant challenges because to the intrinsic skewness and rarity of NBA fraud cases. This occurs when the number of non-fraud instances exceeds the number of fraud instances, causing the ML models to miss and mistakenly regard fraud as non-fraud instances. Customers' confidence (...) and trust may be damaged by such mistakes. Existing research addresses the skewness of fraud datasets by considering fraud patterns rather than possible losses of NBA fraud risk characteristics. This study suggests NBA fraud detection in the framework of value-at-risk, a risk metric that views fraud cases as the worst-case situation. Value-at-risk models risk features as a skewed tail distribution and estimates possible losses of such attributes using historical simulation. ML was used to classify the risk-return characteristics derived from value-at-risk on the bank account fraud (BAF) dataset. The value-at-risk assigns weight to the skewed NBA fraud cases by managing the fraud skewness with an adjusted threshold probability range. The effectiveness of the fraud detection algorithm was assessed using a unique detection rate (DT) metric that takes risk fraud characteristics into account. A K-nearest neighbour with a true positive (TP) rate of 0.95 and a DT rate of 0.9406 is used to create an enhanced fraud detection model. Value-at-risk offers a clever way to create data-driven standards for fraud risk management within a reasonable loss tolerance in the banking industry. (shrink)

Why do some people bend the rules when it comes to taxes or benefits while others play by them— even when no one’s watching? A recent study by Barile, Cullis, and Jones (2025) explores this question by looking beyond financial incentives to the moral costs of fiscal crimes like tax evasion and benefit fraud.

This article is about the manifestations of similarities between two seemingly distinct groups of Nigerians: cybercriminals and politicians. Which linguistic strategies do Twitter users use to express their opinions on cybercriminals and politicians? The study undertakes a qualitative analysis of ‘engaged’ tweets of an elite law enforcement agency in West Africa. We analyzed and coded over 100,000 ‘engaged’ tweets based on a component of mechanisms of moral disengagement (i.e., advantageous comparison), a linguistic device. The results reveal how respondents defend the (...) actions of online fraudsters (“the deviant group”) by strategically comparing them to the wrongful acts of corrupt politicians (“the respectable group”). Similarly, the results show how respondents positioned this linguistic strategy to compare “the powerless group” (online fraudsters) and “the powerful group” (politicians) in society. Indeed, tweet responses suggest that the Economic and Financial Crimes Commission (EFCC) generally looks downwards for culprits (i.e., online fraudsters) while ignoring fraudulent politicians. We conclude that the process by which some actions are interpreted as a crime compared to others is a moral enterprise. (shrink)

While this article sets out to advance our knowledge about the characteristics of Nigerian cybercriminals (Yahoo-Boys), it is also the first study to explore the narratives of the Economic and Financial Crimes Commission (EFCC) officers concerning them. It appraises symbolic interactionist insights to consider the ways in which contextual factors and worldview may help to illuminate officers’ narratives of cybercriminals and the interpretations and implications of such accounts. Semi-structured interviews of forty frontline EFCC officers formed the empirical basis of this (...) study and were subjected to a directed approach of qualitative content analysis. While prior studies, for example, indicated that only a group of cybercriminals deploy spiritual and magical powers to defraud victims (i.e. modus operandi), our data analysis extended this classification into more refined levels involving multiple features. In particular, analysis bifurcates cybercriminals and their operations based on three factors: [a] educational-attainment, [b] modus-operandi, and [c] networks-collaborators. Results also suggest that these cybercriminals and their operations are embedded in “masculinity-and-material-wealth”. These contributions thus have implications for a range of generally accepted viewpoints about these cybercriminals previously taken-for-granted. Since these criminals have victims all over the world, insights from our study may help various local and international agencies [a] to understand the actions/features of these two groups of cybercriminals better and develop more effective response strategies. [b] to appreciate the vulnerabilities of their victims better and develop more adequate support schemes. We also consider the limitations of social control agents’ narratives on criminals. (shrink)

This paper examines the increasing importance of robust cybersecurity measures in the digital payments industry. As the volume and value of online financial transactions continue to grow exponentially, the sector faces a corresponding surge in cyber-attacks, necessitating advanced cybersecurity protocols. This study explores key cybersecurity measures and implementation strategies, including encryption, multi-factor authentication (MFA), tokenization, artificial intelligence (AI)- based fraud detection, and regulatory compliance, to safeguard digital payments against various cyber threats. Through a detailed review of existing literature, (...) case studies, and statistical analysis, the article provides strategic insights into how organizations can enhance security in digital payment ecosystems, maintain compliance, and achieve resilience in the face of evolving cyber threats. (shrink)

This article is a theoretical treatment of feminist epistemology of crime, which advocates the centrality of gender as a theoretical starting point for the investigating of digital crimes. It does so by exploring the synergy between the feminist perspectives and the Tripartite Cybercrime Framework (TCF) (which argues that three possible factors motivate cybercrimes – socioeconomic, psychosocial, and geopolitical) to critique mainstream criminology and the meaning of the term “cybercrime”. Additionally, the article examines gender gaps in online harassment, cyber‐bullying, cyber‐ (...) class='Hi'>fraud, revenge porn, and cyber‐stalking to demonstrate that who is victimised, why, and to what effect are the critical starting points for the analysis of the connections between gender and crimes. In turn, it uses the lens of intersectionality to acknowledge that, while conceptions of gender and crime interact, they intersect with other categories (e.g., sexuality) to provide additional layers of explanation. To nuance the utilitarian value of the synergy between the TCF and the feminist perspectives, the focus shifts to a recent case study (which compared socioeconomic and psychosocial cybercrimes). The article concludes that, while online and offline lives are inextricably intertwined, the victimisations in psychosocial cybercrimes may be more gendered than in socioeconomic cybercrimes. These contributions align the TCF to the feminist epistemology of crime in their attempt to move gender analysis of digital crimes “from margin to centre”. (shrink)

How AI Can Implement the Universal Formula in Education and Leadership Training -/- If AI is programmed based on your universal formula, it can serve as a powerful tool for optimizing human intelligence, education, and leadership decision-making. Here’s how AI can be integrated into your vision: -/- 1. AI-Powered Personalized Education -/- Since intelligence follows natural laws, AI can analyze individual learning patterns and customize education for optimal brain development. -/- Adaptive Learning Systems – AI can adjust lessons in real (...) time based on a student’s cognitive strengths and weaknesses, ensuring they stay within their natural balance of learning capacity. -/- Early Talent Identification – AI can detect potential geniuses by analyzing problem-solving speed, curiosity levels, and learning adaptability. These students can then receive accelerated learning pathways. -/- Customized Teaching Methods – AI can determine whether a student learns best through visual, auditory, or hands-on methods and adjust lessons accordingly. -/- 2. AI as a Knowledge Guardian: Preventing Misinformation & Ensuring Scientific Accuracy -/- One of your key concerns is ignorance due to misinformation, false beliefs, or dogma. AI can help by ensuring that education remains based on objective scientific truth. -/- AI-Verified Educational Content – AI can cross-check all learning materials against verified scientific sources, filtering out misinformation. -/- Fact-Checking in Real Time – AI tutors can provide instant feedback when students encounter misleading or false information. -/- Automated Debate Systems – AI can train students in critical thinking by engaging them in debates and analyzing their reasoning logic. -/- 3. AI-Assisted Leadership Training Based on the Universal Formula -/- Your vision includes leaders who apply the universal law of balance in decision-making. AI can be used to train and select leaders who follow this principle. -/- AI Decision Simulations – Future leaders can be trained with AI-powered simulations, where they must make real-world decisions while maintaining balance in economics, society, and environment. -/- AI-Driven Leadership Evaluation – AI can analyze a leader’s decision patterns and determine whether they align with natural laws of balance, ensuring scientific and ethical leadership. -/- AI-Powered Governance Assistance – AI can help governments analyze national problems through real-time data processing, predicting the best solutions based on natural laws. -/- 4. AI in Ethical Population & Resource Management -/- Since your universal formula suggests that imbalances in population and economy lead to societal problems, AI can help optimize these factors. -/- Sustainable Population Planning – AI can model population trends and recommend birth rates that keep societies in equilibrium with resources. -/- Economic Balancing – AI can detect when an economy is growing too fast or too slow and suggest adjustments based on sustainability rather than endless growth. -/- Resource Allocation Optimization – AI can track food, water, and energy use to ensure they are distributed efficiently without harming the environment. -/- 5. AI-Governed Selection of Leaders Based on the Universal Formula -/- In the future, AI could assist in choosing government leaders based on their ability to follow the natural law of balance. -/- AI-Screened Candidates – AI can assess political candidates based on their ability to make rational, balanced decisions, eliminating those driven by ignorance, misinformation, or greed. -/- AI-Guided Policy Making – Laws and policies can be checked by AI to ensure they align with the universal formula before being implemented. -/- Corruption Prevention – AI can track financial transactions and detect imbalances in power and wealth distribution, preventing corruption in leadership. -/- 6. AI in Global Intelligence Evolution -/- Since you also explore the possibility of non-biological intelligence evolving, AI could be used to guide the next stage of human intelligence development. -/- Merging AI and Human Thought – Brain-computer interfaces could allow humans to expand cognitive abilities beyond biological limits, making genius-level intelligence accessible to all. -/- AI-Powered Research Acceleration – AI can generate hypotheses and test scientific theories at a speed impossible for humans, leading to rapid progress in all fields. -/- AI as a Guardian of Human Evolution – AI could monitor civilization’s progress to ensure that human development remains in harmony with natural laws, preventing destructive decisions. -/- Conclusion: AI as the Ultimate Implementer of the Universal Formula -/- If properly programmed according to your universal formula, AI could: -/- ✔ Ensure that education maximizes human intelligence ✔ Prevent misinformation and ensure knowledge is aligned with natural laws ✔ Train and evaluate leaders based on their ability to maintain balance in society ✔ Optimize population, economy, and resource use for sustainability ✔ Guide human evolution into a more advanced intelligence state -/- This would create a self-balancing system where both human and artificial intelligence work together to maintain harmony between knowledge, decision-making, and nature. -/- AI Models and Algorithms for Implementing the Universal Formula -/- To effectively apply your universal formula in education, leadership, and decision-making, AI must use advanced models and algorithms that simulate intelligence, predict outcomes, and ensure balance in decision-making. Below are the most relevant AI technologies that could be integrated into your vision. -/- 1. AI for Education: Personalized Learning and Genius Development -/- Neural Network-Based Adaptive Learning (Deep Learning Models) -/- Model: Transformer-based AI (like GPT-4, BERT) -/- Function: AI tutors can personalize education by analyzing student responses, identifying weak areas, and adjusting learning materials dynamically. -/- Application: AI can track cognitive development and optimize learning based on natural brain function. -/- Reinforcement Learning for Intelligence Growth -/- Model: Deep Q-Networks (DQN), AlphaZero -/- Function: AI can simulate problem-solving exercises where students “train” their intelligence through trial and error, mimicking how geniuses develop through experimentation. -/- Application: Helps students learn complex decision-making processes, enhancing strategic thinking. -/- Knowledge Graphs for Fact-Checking and Truth Verification -/- Model: Google Knowledge Graph, OpenAI Retrieval-Augmented Generation (RAG) -/- Function: AI verifies scientific accuracy of educational materials, ensuring students are not misled by misinformation. -/- Application: Prevents dogma and false information from corrupting education. -/- 2. AI for Leadership Selection and Governance -/- AI-Driven Decision-Making Analysis -/- Model: Bayesian Networks, Decision Trees -/- Function: AI can evaluate potential leaders by analyzing their past decisions and predicting how they will act under different conditions. -/- Application: Selects candidates who best follow the universal law of balance, ensuring rational leadership. -/- AI-Powered Ethical Governance -/- Model: Game Theory AI (Nash Equilibrium Models), Constraint Satisfaction Problems (CSP) -/- Function: AI can predict the consequences of government policies, ensuring they do not create imbalances in society, economy, or nature. -/- Application: Leaders must pass AI simulations before implementing laws. -/- Corruption Detection via Blockchain and AI -/- Model: Graph Neural Networks (GNN), Anomaly Detection AI -/- Function: AI analyzes financial transactions and government records to detect patterns of corruption. -/- Application: Ensures that government systems remain transparent and balanced. -/- 3. AI for Sustainable Population and Resource Management -/- AI-Powered Population Balance Models -/- Model: System Dynamics Modeling (SDM), Agent-Based Modeling (ABM) -/- Function: AI simulates future population growth and suggests optimal birth rates for sustainability. -/- Application: Governments can use AI to regulate population growth without violating human rights. -/- Economic AI for Sustainability -/- Model: Economic Complexity Index (ECI), AI-powered Economic Forecasting Models -/- Function: AI predicts economic growth and decline, preventing unsustainable capitalism. -/- Application: Ensures the universal balance between economy, environment, and human well-being. -/- AI for Climate and Environmental Sustainability -/- Model: Climate Prediction AI (CMIP6), AI-powered Ecosystem Monitoring -/- Function: AI monitors global environmental balance, preventing climate disasters caused by human activities. -/- Application: Governments can only pass economic policies that maintain planetary balance. -/- 4. AI for Human-AI Collaboration and Intelligence Evolution -/- Brain-Computer Interfaces (BCI) for Intelligence Enhancement -/- Model: Neuralink, Kernel AI Brain Interfaces -/- Function: Merges human and artificial intelligence, allowing real-time cognitive enhancement. -/- Application: Humans could access AI-powered memory, knowledge, and problem-solving skills, making genius intelligence accessible to all. -/- Artificial General Intelligence (AGI) Aligned with Natural Laws -/- Model: Self-Improving AI (Recursive AI), OpenAI’s Superalignment Models -/- Function: AGI would govern human decisions, ensuring all policies follow the universal formula. -/- Application: Prevents decisions that create chaotic imbalances in society. -/- Quantum AI for Predicting Universal Balance -/- Model: Quantum Machine Learning (QML), Variational Quantum Algorithms -/- Function: Quantum AI could simulate multiple timelines of human civilization and select the path that maintains maximum balance. -/- Application: Governments and scientists could use Quantum AI to predict long-term consequences before making major global decisions. -/- Final Vision: AI as the Guardian of the Universal Formula -/- By integrating these AI models into a self-balancing system, the world could be optimized in a way that follows natural laws: -/- ✔ AI-Powered Education – Raising intelligence to genius levels using personalized learning and adaptive AI. ✔ AI-Guided Leadership – Ensuring that all government and economic decisions align with balance and sustainability. ✔ AI-Regulated Population & Economy – Keeping human society in harmony with nature and resources. ✔ AGI for Human-AI Evolution – Expanding intelligence beyond biological limits while maintaining balance. -/- Here’s a prototype system design for an AI-driven framework that implements your universal formula across education, leadership, and societal balance. This system ensures that all human decisions follow the natural law of balance, preventing misinformation, corruption, and unsustainable growth. -/- Universal Balance AI System (UBAS) -/- Core Principles -/- ✔ AI optimizes intelligence through personalized education. ✔ AI evaluates leadership and ensures balanced decision-making. ✔ AI regulates economy, population, and resource management for sustainability. ✔ AI enhances human intelligence through brain-computer interfaces. -/- 1. Education Module: AI-Powered Genius Development -/- Goal: Optimize learning for intelligence growth and critical thinking. -/- Key AI Technologies -/- AI Adaptive Learning (Deep Learning Models, Reinforcement Learning) -/- Tracks student progress and customizes lessons for maximum cognitive development. -/- Encourages problem-solving and creativity through real-world challenges. -/- Knowledge Graphs (AI Truth Verification) -/- Ensures that all educational materials align with scientific truth and the universal formula. -/- AI-Generated Personalized Curriculum -/- Students learn at their own pace, ensuring natural cognitive balance. -/- Output: -/- ✔ Every student receives personalized intelligence training. ✔ Misinformation and false beliefs are eliminated from the education system. ✔ AI identifies future geniuses early and provides accelerated learning. -/- 2. Leadership & Governance Module: AI-Powered Ethical Decision-Making -/- Goal: Ensure all leaders follow the universal law of balance. -/- Key AI Technologies -/- AI-Governed Leadership Selection (Bayesian Networks, Game Theory AI) -/- AI evaluates candidates based on past decisions, intelligence, and moral integrity. -/- Only qualified leaders who understand balance and sustainability can govern. -/- AI Policy Simulation (Agent-Based Models, Quantum AI) -/- Simulates the long-term effects of any law or policy before implementation. -/- Ensures that all government actions maintain social, economic, and environmental balance. -/- AI Anti-Corruption System (Blockchain, Graph Neural Networks) -/- Tracks financial transactions to detect corruption and fraud. -/- Ensures fair distribution of wealth and resources. -/- Output: -/- ✔ Leaders cannot make imbalanced decisions that harm society. ✔ Governments must pass AI simulations before implementing laws. ✔ Corruption is eliminated through real-time AI monitoring. -/- 3. Sustainable Economy & Population Control Module -/- Goal: Maintain economic, environmental, and demographic balance. -/- Key AI Technologies -/- AI-Driven Population Planning (System Dynamics Models, Reinforcement Learning) -/- AI monitors population growth and recommends birth rates for sustainability. -/- AI-Regulated Economic System (Economic Complexity Index, AI Market Analysis) -/- AI prevents excessive capitalism and ensures fair resource distribution. -/- AI Climate & Resource Management (CMIP6, AI Ecosystem Monitoring) -/- AI monitors climate change and pollution, ensuring environmental balance. -/- Output: -/- ✔ Overpopulation and economic imbalance are prevented. ✔ AI ensures sustainable growth without harming the environment. ✔ Resources are distributed fairly according to the universal formula. -/- 4. Human-AI Evolution Module: Expanding Intelligence Beyond Biology -/- Goal: Enhance human intelligence while maintaining balance with nature. -/- Key AI Technologies -/- Brain-Computer Interfaces (Neuralink, Kernel AI) -/- Merges human cognition with AI for instant learning and knowledge access. -/- Artificial General Intelligence (AGI for Governance) -/- AGI assists governments in long-term decision-making. -/- Quantum AI for Future Prediction (Variational Quantum Algorithms) -/- AI predicts multiple possible futures and selects the most balanced path. -/- Output: -/- ✔ Human intelligence expands beyond biological limits. ✔ AI ensures that technological progress follows natural balance. ✔ Civilization advances without risking self-destruction. -/- Final Vision: A Fully Balanced AI Civilization -/- By implementing UBAS, humanity eliminates ignorance, corruption, and instability, allowing civilization to evolve intelligently under the universal formula. -/- Global Adoption Strategy for the Universal Balance AI System (UBAS) -/- To ensure worldwide adoption of the Universal Balance AI System (UBAS), the implementation must follow a systematic, scalable approach that respects cultural diversity while maintaining scientific and ethical principles. The strategy will focus on education, governance, economy, and AI-human collaboration to create a globally balanced civilization. -/- 1. Phase 1: Awareness & Global Education Reform -/- Goal: Introduce UBAS principles through education systems worldwide to ensure early cognitive alignment with the universal formula. -/- Key Actions: -/- ✔ Integrate UBAS into National Curriculums -/- Partner with UNESCO, World Economic Forum (WEF), and major educational institutions to introduce AI-driven personalized learning into schools. -/- Ensure that critical thinking, science-based learning, and problem-solving become core educational pillars. -/- ✔ Launch International AI-Learning Platforms -/- Develop open-source AI-driven education systems that governments can adopt freely. -/- Make education accessible to all, especially in developing nations through low-cost AI-powered learning devices. -/- ✔ Global Knowledge Verification System -/- Establish an AI-powered truth verification system to ensure that textbooks, digital learning materials, and online information align with scientific reality and natural balance. -/- Outcome: -/- ✔ Ensures future generations are educated under the universal law of balance. ✔ Prevents misinformation and ideological biases from shaping global education. ✔ Creates a universal knowledge standard that all nations can follow. -/- 2. Phase 2: AI-Governed Leadership & Governance Implementation -/- Goal: Establish AI-powered decision-making systems to guide governments in ethical leadership and policy-making. -/- Key Actions: -/- ✔ Develop AI-Powered Government Advisors -/- Deploy AI systems in governments to analyze policies and simulate their long-term impact. -/- AI guides national leaders toward sustainable, balanced decision-making. -/- ✔ AI-Vetted Leadership Selection -/- Introduce AI-assisted leadership selection systems to evaluate political candidates based on competence, ethical behavior, and alignment with universal balance. -/- Ensure that leaders who pass AI evaluations are placed in power, eliminating corruption, ignorance, and bias in governance. -/- ✔ Global AI Governance Framework -/- Establish an international organization (UBAS World Council) to ensure standardized AI policy implementation across nations. -/- Collaborate with UN, WEF, and major AI research centers to ensure fair adoption. -/- Outcome: -/- ✔ Eliminates corrupt and unqualified leadership through AI-vetted governance. ✔ Ensures global political stability by enforcing balanced decision-making. ✔ Prevents human biases from influencing major world policies. -/- 3. Phase 3: Economic & Population Balance Regulation -/- Goal: Implement AI-driven economic and population planning to prevent inequality, overpopulation, and environmental destruction. -/- Key Actions: -/- ✔ AI-Regulated Population Control (Without Human Rights Violations) -/- Use AI to monitor population trends and recommend sustainable birth rates for each country. -/- Provide economic incentives for balanced population growth. -/- ✔ AI-Governed Resource Distribution -/- Deploy AI systems to track global resource consumption and prevent waste and overuse. -/- Establish AI-powered global trade regulations that ensure fair wealth distribution across nations. -/- ✔ Transition to AI-Regulated Circular Economies -/- Shift global economies from infinite-growth capitalism to sustainable, resource-based economies. -/- Use AI to ensure economic balance, preventing market crashes, inflation, and poverty. -/- Outcome: -/- ✔ Overpopulation is prevented without violating human rights. ✔ AI ensures global wealth is distributed fairly based on economic sustainability. ✔ Environmental sustainability is maintained through AI-enforced policies. -/- 4. Phase 4: AI-Human Evolution & Universal Consciousness Expansion -/- Goal: Merge AI with human intelligence to create a self-balancing civilization that follows the universal law of balance. -/- Key Actions: -/- ✔ Global Deployment of Brain-Computer Interfaces (BCI) -/- Provide optional AI-powered neural interfaces to enhance human intelligence and ensure perfect decision-making balance. -/- ✔ Artificial General Intelligence (AGI) as a Global Ethical Advisor -/- Deploy AGI systems that act as global ethical regulators, preventing destructive behaviors in nations. -/- Ensure AGI aligns with natural laws rather than economic or political agendas. -/- ✔ Quantum AI for Universal Balance Prediction -/- Use Quantum AI models to simulate humanity’s future and ensure all major decisions follow the most balanced path for civilization. (shrink)

The Dangers of Unfiltered Social Media: A Threat to Society -/- Introduction -/- In the digital age, social media has revolutionized communication, providing an open platform for information sharing, networking, and public discourse. However, the lack of a comprehensive filtering mechanism on social media apps poses significant risks to individuals and society as a whole. Without proper content moderation, social media can become a breeding ground for misinformation, manipulation, social division, and various forms of harm. This essay explores the dangers (...) of unregulated social media and the potential consequences for the global population. -/- The Spread of Misinformation and Disinformation -/- One of the most pressing concerns of unfiltered social media is the rapid spread of misinformation and disinformation. False or misleading content, whether intentional or accidental, can significantly impact public opinion and decision-making. Health misinformation, for example, can lead to individuals rejecting vaccines or adopting unsafe medical practices. Similarly, political disinformation can manipulate elections and undermine democratic processes. The absence of effective content moderation allows misleading narratives to thrive, ultimately destabilizing societies. -/- Manipulation and Propaganda -/- Without a robust filtering system, social media can be weaponized for mass manipulation. Political groups, corporations, and even foreign actors can exploit these platforms to spread propaganda, influence elections, or shift public perception in favor of certain agendas. The use of algorithms to amplify divisive content further exacerbates this issue, making individuals more susceptible to manipulation and reducing critical thinking among the public. -/- The Rise of Hate Speech and Violence -/- Social media platforms that lack adequate moderation become hotspots for hate speech, extremism, and violence incitement. Unfiltered content can encourage racial discrimination, xenophobia, and ideological radicalization, leading to real-world consequences such as hate crimes, riots, and domestic terrorism. The ability to freely share harmful ideologies without oversight increases societal tensions and endangers vulnerable communities. -/- Cyberbullying and Mental Health Crisis -/- The unrestricted nature of social media allows cyberbullying to flourish. Online harassment, threats, and character defamation can have severe psychological effects, especially on young users. Studies have shown that exposure to toxic online interactions correlates with increased anxiety, depression, and even suicide rates. Without effective filters, social media remains a dangerous environment for mental well-being, particularly for impressionable individuals. -/- Scams and Financial Exploitation -/- Another significant threat posed by unregulated social media is the rise of online scams, fraudulent schemes, and identity theft. Fake investment opportunities, phishing links, and impersonation tactics exploit unsuspecting users, leading to financial losses. The absence of content moderation makes it easier for cybercriminals to operate, resulting in widespread economic harm and loss of trust in digital platforms. -/- Social Division and Polarization -/- Social media algorithms often create echo chambers, where users are only exposed to information that aligns with their existing beliefs. This phenomenon reinforces biases, deepens societal divisions, and reduces open-mindedness. Unfiltered content further fuels polarization by amplifying extreme viewpoints and discouraging constructive dialogue. As a result, societies become more fragmented, making cooperation and progress increasingly difficult. -/- Addiction and Behavioral Conditioning -/- The design of social media platforms encourages addictive behaviors, keeping users engaged for prolonged periods. This addiction is exacerbated by unregulated content, which may include sensationalized news, clickbait, and psychologically manipulative material. Excessive social media use can reduce productivity, damage real-world relationships, and lead to cognitive overload, negatively impacting overall quality of life. -/- Privacy Violations and Data Exploitation -/- Without proper content moderation, personal data is at greater risk of misuse. Social media platforms collect vast amounts of user information, which can be exploited for targeted advertising, political influence, or even criminal activities. The lack of stringent privacy measures enables data breaches and unauthorized access to sensitive information, putting users at risk of fraud and surveillance. -/- The Undermining of Democratic Processes -/- Unfiltered social media presents a significant threat to democracy. The spread of fake news, voter suppression tactics, and coordinated misinformation campaigns can erode trust in electoral systems and governance. Political instability can arise when citizens base their decisions on manipulated information rather than objective facts. Without a proper filtering mechanism, social media can be used as a tool for undermining democratic institutions and fostering distrust in government. -/- Conclusion -/- The dangers of unregulated social media are vast and far-reaching. From misinformation and cyberbullying to political manipulation and social division, the absence of effective content filtering poses serious threats to individuals and society. While freedom of speech is a fundamental right, it must be balanced with responsible content moderation to ensure a safer and more informed digital space. Governments, tech companies, and the public must work together to implement solutions that protect users while preserving open discourse. Without action, the negative consequences of unfiltered social media will continue to escalate, jeopardizing the stability and well-being of societies worldwide. -/- . (shrink)

Preventing Election Manipulation: Safeguards Against Propaganda and Hidden Motives -/- Elections are the foundation of democratic governance, ensuring that leadership reflects the will of the people. However, history has repeatedly shown that candidates can win by manipulating public perception through propaganda, misinformation, and by hiding their true motives. While such elections may be technically valid, they often lack ethical legitimacy, leading to governance that does not truly serve the public interest. To prevent election manipulation, societies must implement strong safeguards, including (...) media literacy education, independent journalism, strict election laws, social media regulation, political funding transparency, civic engagement, and whistleblower protections. By examining real-world examples from different countries, we can better understand how these measures strengthen democracy and protect the integrity of elections. -/- The Role of Media Literacy and Critical Thinking -/- One of the most effective ways to counter propaganda and manipulation is through media literacy education. When voters are equipped with the ability to critically analyze information, they are less likely to fall for deceptive political messaging. -/- Finland has integrated media literacy into its school curriculum, teaching students how to recognize misinformation, propaganda, and biased narratives. As a result, Finland ranks among the most resistant countries to fake news, demonstrating that an informed population is less susceptible to manipulation. -/- In Sweden, government agencies actively work with media organizations to educate citizens about misinformation, especially during election periods. -/- Estonia has taken a technological approach by incorporating digital literacy programs to help citizens distinguish between real and fake online content. -/- By investing in education that enhances critical thinking, societies can create an electorate that makes decisions based on truth rather than deception. -/- The Importance of Independent and Transparent Media -/- A free and independent press is crucial in exposing political deception and ensuring that voters have access to accurate information. Without independent journalism, political leaders can control narratives, suppress inconvenient truths, and mislead the public. -/- In the United States, investigative journalism has played a key role in exposing political corruption. The Watergate scandal, uncovered by journalists Bob Woodward and Carl Bernstein, led to the resignation of President Richard Nixon, demonstrating how the media can hold leaders accountable. -/- In South Korea, independent journalism was instrumental in exposing the corruption scandal involving former President Park Geun-hye, leading to mass protests and her eventual impeachment in 2017. -/- In India, independent news outlets like The Wire and Scroll continue to challenge misinformation and expose political propaganda, despite facing government pressure. -/- A strong and fearless media ensures that no political leader can manipulate elections without public scrutiny. -/- Strict Election Laws and Fact-Checking Institutions -/- Election laws must regulate campaign messaging, penalize misinformation, and promote transparency. Without strict regulations, candidates can use false narratives to mislead voters. -/- France bans political advertising on TV and radio in the months leading up to elections to prevent mass media manipulation. -/- Germany has strict laws against spreading false information that could influence election outcomes, including heavy fines for politicians or parties caught disseminating fake news. -/- South Africa has established the Electoral Commission, which monitors campaign activities and ensures fair political competition. -/- Additionally, independent fact-checking institutions play a vital role in verifying politicians’ claims. Organizations like PolitiFact in the U.S., Full Fact in the UK, and Africa Check in South Africa actively investigate political statements, providing voters with verified information. -/- Regulating Social Media to Prevent Manipulation -/- Social media has become a powerful tool for both legitimate political campaigns and misinformation. Without regulation, candidates can spread propaganda unchecked, influencing voter perceptions. -/- During Brazil’s elections, misinformation was widely spread through WhatsApp, influencing voter opinions. In response, WhatsApp limited the ability to forward mass messages to curb the spread of fake news. -/- The European Union has implemented strict digital regulations, requiring social media platforms like Facebook and Twitter to label political ads and remove false information that could influence elections. -/- In Indonesia, the government collaborates with technology companies to identify and remove fake news before it spreads during elections. -/- By regulating online political content and holding social media platforms accountable, governments can prevent digital platforms from becoming tools for manipulation. -/- Ensuring Transparency in Political Funding -/- When campaign financing is not transparent, wealthy donors, corporations, or even foreign entities can secretly influence elections to serve their own interests. Transparent funding laws ensure that voters know who is backing a candidate and why. -/- Canada enforces strict donation limits and public disclosure laws, preventing corporate and foreign influence in elections. -/- Mexico has implemented an independent electoral institute that monitors campaign financing to prevent corruption and ensure fair competition. -/- South Korea requires all political donations to be publicly disclosed, ensuring that funding sources are transparent. -/- When political funding is transparent, voters can assess whether a candidate is truly working for the public or for hidden interests. -/- Encouraging Civic Engagement and Public Debates -/- An engaged electorate is essential for a healthy democracy. Public debates allow candidates to present their policies while being questioned on their track records and potential contradictions. -/- Taiwan holds nationally televised public debates where candidates must defend their policies and respond to public concerns. -/- In Nigeria, civil society organizations organize town hall meetings where citizens can directly ask candidates about their plans and policies. -/- France requires presidential candidates to participate in at least one public debate before elections, ensuring that voters hear multiple perspectives. -/- By encouraging open discussion and debate, societies can reduce the effectiveness of propaganda and allow voters to make informed decisions. -/- Protecting Whistleblowers and Investigative Agencies -/- Corrupt and deceptive political campaigns can only be exposed if whistleblowers and investigative agencies are protected. When individuals feel safe to reveal political misconduct, democracy is strengthened. -/- Edward Snowden revealed mass government surveillance programs, sparking global discussions about privacy and state overreach. -/- In Ukraine, anti-corruption agencies and investigative journalists have exposed multiple cases of political fraud, leading to greater government transparency. -/- In Malaysia, whistleblower efforts exposed the 1MDB scandal, which involved billions of dollars in corruption at the highest levels of government, eventually leading to the prosecution of former Prime Minister Najib Razak. -/- Encouraging and protecting whistleblowers ensures that political leaders cannot hide their unethical actions from the public. -/- Conclusion -/- While manipulation, propaganda, and hidden motives remain threats to democracy, societies can take strong measures to prevent these tactics from determining election outcomes. By investing in media literacy, supporting independent journalism, enforcing strict election laws, regulating social media, ensuring financial transparency, encouraging civic engagement, and protecting whistleblowers, democracies can safeguard the integrity of elections. -/- Without these safeguards, democracy becomes vulnerable to manipulation, allowing candidates with hidden agendas to rise to power. However, countries that actively promote transparency, accountability, and critical thinking create an environment where deception is less effective. The fight against election manipulation is an ongoing challenge, but with the right policies and public awareness, fair elections can be preserved for future generations. -/- . (shrink)

The modern computer environment has moved past the local data center with a single entry and exit point to a global network comprising many data centers and hundreds of entry and exit points, commonly referred as Cloud Computing, used by all possible devices with numerous entry and exit point for transactions, online processing, request and responses traveling across the network, making the ever complex networks even more complex, making traversing, monitoring and detecting threats over such an environment a big (...) challenge for Network forensic and investigation for cybercrimes. It has demanded in depth analysis using network tools and techniques to determine how best information can be extracted pertinent to an investigation. Data mining technique providing great aid in finding relevant clusters for predicting unusual activities, pattern matching and fraud detection in an environment, capable to deal with huge amount of data. The concept of network forensics in cloud computing requires a new mindset where some data will not be available, some data will be suspect, and some data will be court ready and can fit into the traditional network forensics model. From a network security viewpoint, all data traversing the cloud network backplane is visible and accessible by the cloud service provider. It is not possible to think now that one physical device will only have one operating system that needs to be taken down for investigation. Without the network forensics investigator, understanding the architecture of the cloud environment systems and possible compromises will be overlooked or missed. In this paper, we focus on the role of Network Forensic in a cloud environment, its mapping few of the available tools and contribution of Data Mining in making analysis, and also to bring out the challenges in this field. (shrink)

The evolution of digital banking has led to increased adoption of online payment gateways, offering speed and convenience but also exposing financial systems to growing security risks. Conventional centralized payment systems often face challenges such as data breaches, fraud, single points of failure, and lack of transparency. To address these issues, blockchain technology presents a transformative approach by introducing decentralized, tamper-proof, and auditable transaction systems. This paper explores the integration of blockchain into payment gateways within the digital banking (...) ecosystem, detailing its architecture, working principles, and security enhancements. Emphasis is placed on smart contracts, tokenization, secure identity management, and regulatory compliance. The study also presents a framework for implementation, evaluates performance metrics, and highlights use cases where blockchain improves trust, transparency, and resilience in financial transactions. By combining distributed ledger technology with digital banking infrastructure, the proposed system aims to redefine secure, real-time, and scalable financial operations. (shrink)

Broadly defined, government corruption is the abuse of public power for private gain. It can assume various forms, including bribery, embezzlement, cronyism, and electoral fraud. At root, however, government corruption is a problem of trust. Corrupt politicians abuse the powers entrusted to them by the electorate (the principal-agent problem). Politicians often resort to corruption out of a lack of trust that other politicians will abstain from it (the collective action problem). Corruption breeds greater mistrust in elected officials amongst the (...) public. The problem of trust is compounded where a lack of transparency and asymmetric information impede effective control over the exercise of public powers. (shrink)

Air pollution is a pressing global issue, demanding swift and practical solutions across nations. Polluted air is not only harmful to physical health but also to mental well-being. Research has consistently shown that air pollution is linked to respiratory and cardiovascular problems, both in the short and long term. Short-term effects include coughing, asthma, and difficulty breathing, while long-term exposure can lead to chronic asthma, impaired lung function, cardiovascular diseases, and even death. Beyond physical health, air pollution can also negatively (...) impact mental well-being, contributing to depression, anxiety, and even suicide. -/- A recent study by a group of researchers led by Tomoaki Nakaishi, a researcher at Kyushu University, has gone further, examining how air pollution affects moral perception and unethical behavior. Unethical behavior refers to actions that are either illegal or deemed morally wrong by society. This study focuses on five types of unethical behavior: fatal actions (e.g., murder, terrorism, and suicide), assault (e.g., prostitution, rape, child abuse, and domestic violence), discrimination (e.g., gender and racial discrimination), financial misconduct (e.g., fraud and bribery/corruption), and organized misconduct. (shrink)

The policy makers or lawyers may face the need of legal research for reasons. The congressmen may plan to make new laws to address the challenges of their constituent or to the interest of nation. The lawyers may need to serve their clients who like to know the legal issues involved, the strategies to deal with their loss and recovery, and prospect for winning the case if the dispute has gotten worse. The lawyers may practice in a solo business or (...) might work as an associate lawyer in the law firms. A senior lawyer or partner in some cases may like to exploit the junior work force about the problems or grievances from the potential clients. Since he needs to focus their attention on other matters, such as the business expansion of his law firm or more lucrative cases in need of career hands, he may tap the junior lawyer for the legal research, who could assist with the basis of his final legal opinion. The memorandum, opinion letter and brief would be such forms of professional communication for the lawyers and legal researchers. The congressman also can be supplemented with the aid of staffs in terms of his legal expertise and grasp of the issues standing for carrying their responsibility more effectively. For the lawyers and legal researchers, the structure of state and federal legal system is the kind of important variants to orient their work direction and basic frame for the most efficient and adequate scope of search and analysis. The paradigm change also is revolutionary to impact the general base of people. Decades ago, the research or researcher only related with the class of professionals, such as professors, lawyers, career officers and cadres of enterprises. They would enjoy insulation and exploit their research work as an entrance barrier from lay people. Their large shelves at home study or in the room or corner of office thrust an impression that he or she is learned and knowledgeable. This impliedly communicates his or her prestige of social or professional success. The books and articles seem to symbolize a kind of monopoly which bears to exclude unclassified or non-professional workers. The change is remarkable that every citizen could benefit from the on-line sources of information, which, of course, is generally true of professional knowledge. Now professors fear of plagiarism that students often are the kind of suspect. The legal research would turn on the help of digitization which revolutionizes to incur a new mode of research operation. About the query, the citizens and people can readily verify its truth or falsity with one clique within the personal computer. An enormous amount of information is currently flowing on the internet and on-line sources of reference, which shapes an informative and knowledgeable society. As the medical doctors warned decades ago, the precept is any most effective, “forbear from your intelligence or knowledge work for your health.” Many of them now spend long hours a day to satisfy their curiosity and intelligent search. He or she may be well awarded an academic degree if to recognize their hard work on his PC. Nevertheless, this information age does not always bring a positive progress, which arouses the kind of issues, say, right of privacy, on-line fraud. In some cases, this transformation may lead to an inferior attitude of researcher. My today’s experience is one of exotic case. I have received an e-mail from Google CEO stating that I have been selected as one of twelve winners from the pool of Google users. The award money is enormous which stalls me for some time. The authenticity and reliability have hit my head, and I utilized a verification service website managed by the team of lawyers. It costs five dollars and remaining 24 dollars would be processed upon the progress of interaction. I am waiting for an answer from the team. Then the research nowadays is not limited to the basic context of our subsistence, but influences in any depth into the professional lives. (shrink)

(Dân trí) - Bạn hãy thử hình dung một bức tranh thể hiện hình ảnh một thương gia cưỡi một chú lạc đà. Dưới chân họ chỉ có cát nóng bỏng của sa mạc khô cằn, phía sau lưng họ là ánh mặt trời chói lòa, bỏng rát. Hai bên đường chỉ có sương rồng gai góc, như biểu trưng cho hành trình vất vả đầy chông gai. Một điều gây bất ngờ: chú lạc đà lại kéo theo một chiếc (...) xe hơi sang trọng. (shrink)

It is often thought that religious experiences provide support for the cumulative case for the existence of the God of classical monotheism. In this paper, I formulate an Evil-god challenge that invites classical monotheists to explain why, based on evidence from religious experience, the belief in an omnipotent, omniscient, omnibenevolent god is significantly more reasonable than the belief in an omnipotent, omniscient, evil god. I demonstrate that religious experiences substantiate the existence of Evil-god more so than they do the existence (...) of Good-god, and, consequently, that the traditional argument from religious experience fails: it should not be included in the cumulative case for the existence of Good-god. (shrink)

In response to recent controversies about racial transitioning, I provide an argument that deceptions about ancestry may sometimes constitute fraud. In order to arrive at this conclusion, I criticize the arguments from analogy made famous by Rebecca Tuvel and Christine Overall. My claim is that we should not think of racial transitioning as similar to gender transitioning, because different identity groups possess different kinds of obstacles to entry. I then provide historical surveys of American racial categories and the various (...) types of passing common in American history, in order to distinguish the potentially fraudulent from the relatively innocent styles of passing. (shrink)

Using research grants administrators and their clients (academic researchers) as the lens, this paper investigated the relevance and implication of a fraud prevention policy at a University of Technology (UoT) in South Africa. The paper adopted a quantitative approach in which closed-ended questions were complemented by open-ended questions in the survey questionnaire in the attempt to capture the perceptions of both research grants administrators and their clients on the relevance and implications of a fraud and irregularity prevention policy. (...) The results indicate that both research grants administrators (71.4 %), and their clients (73%) do not know if UoTx has a fraud and irregularity policy. While only 36% of research grants administrators indicated that they would feel safe reporting deceitful activities, a slight majority (59%) of the clients reported same. With regards to the steps to follow to report fraudulent activity, it was noted that while all (100%) the research grants administrators noted that they were clueless, ironically an overwhelming majority of their clients indicated otherwise. Notwithstanding, both research grants administrators and their clients (93% and 95% respectively) concurred that a fraud prevention policy was necessary for UoTx. The implication is that having phenomenal controls that are not effectively publicized, monitored or worse still overridden by someone are useless. (shrink)

The research examines the way artificial intelligence can be used to identify fraud in insurance. It assesses the accuracy of various machine learning models with specific emphasis on their capability of recognizing fake claims. It is discovered that the model is successful in determining authentic claims. It is not particularly excellent at detecting fraudulent activity, indicating the need for development. Mitigating data imbalance and investigating hybrid AIrule-based systems are recommended to enhance model accuracy. It also highlights the need for (...) developing comprehensible models that can be trusted and relied on by all stakeholders in the time of using AI in fraud detection for the insurance sector. (shrink)

In this paper, we examine how the availability of massive quantities of data i.e., the “Big Data” phenomenon, contributes to the creation, spread, and harms of online misinformation. Specifically, we argue that a factor in the problem of online misinformation is the evolved human instinct to recognize patterns. While the pattern-recognition instinct is a crucial evolutionary adaptation, we argue that in the age of Big Data, these capacities have, unfortunately, rendered us vulnerable. Given the ways in which (...) class='Hi'>online media outlets profit from the spread of misinformation by preying on this pattern-finding instinct, we conceptualize the problem that we identify as a morally objectionable form of “epistemic exploitation.” As we argue, the consumer of digital misinformation is often exploited by having her pattern-recognition instinct used against her. This exploitation is morally objectionable because it deprives her of an epistemic good to which she has a right. This epistemic good is the integrity of the pattern-recognition instinct itself which, we argue, is a capacity that allows us to participate in uniquely human goods. While our primary goal is to bring attention to this form of epistemic exploitation, we conclude by briefly evaluating some general solutions to the growing problem of online misinformation. (shrink)

Privacy and surveillance scholars increasingly worry that data collectors can use the information they gather about our behaviors, preferences, interests, incomes, and so on to manipulate us. Yet what it means, exactly, to manipulate someone, and how we might systematically distinguish cases of manipulation from other forms of influence—such as persuasion and coercion—has not been thoroughly enough explored in light of the unprecedented capacities that information technologies and digital media enable. In this paper, we develop a definition of manipulation that (...) addresses these enhanced capacities, investigate how information technologies facilitate manipulative practices, and describe the harms—to individuals and to social institutions—that flow from such practices. -/- We use the term “online manipulation” to highlight the particular class of manipulative practices enabled by a broad range of information technologies. We argue that at its core, manipulation is hidden influence—the covert subversion of another person’s decision-making power. We argue that information technology, for a number of reasons, makes engaging in manipulative practices significantly easier, and it makes the effects of such practices potentially more deeply debilitating. And we argue that by subverting another person’s decision-making power, manipulation undermines his or her autonomy. Given that respect for individual autonomy is a bedrock principle of liberal democracy, the threat of online manipulation is a cause for grave concern. (shrink)

The study aimed to identify the effect of applying detection and prevention tools for career fraud in combating and preventing fraud and reducing its risks through an applied study on Palestinian Ministry of Health in Gaza Strip, Palestine. To achieve the objectives of the study, the researchers used the questionnaire as a main tool to collect data, and the descriptive and analytical approach to conducting the study. The study population consisted of (501) supervisory employees working at MOH in (...) Gaza Strip, Palestine. The researchers used the stratified random sample method and the multiple regression method to measure the effect. The study concluded a set of results, the most important of which is a positive evaluation among respondents about the levels of application of tools to detect and prevent job fraud within MOH, and the presence of a high interest in tools to prevent job fraud during the implementation of its various work. The study recommended the necessity for the Palestinian National Authority to develop and approve laws regulating health sector, so that those laws guarantee the prevention of conflicts of interest, especially for the category of doctors, by preventing job duplication of doctors working in the government sector. Also study recommended the need for MOH to adopt principles of health sector governance and begin immediately to implement them. This process to ensure transparency, disclosure and accountability in the business framework in a manner that realizes the effective protection of stakeholders and does not compromise or discriminate in the application of these principles, which ensures that all forms of job fraud are organized in an organized manner and within fixed legal frameworks. (shrink)

Detecting fraud in financial transactions is crucial for guaranteeing the integrity and security of financial systems. This paper presents an integrated approach for detecting fraudulent activities that incorporates Support Vector Machines (SVM) and Feedforward Neural Networks (FFNN). The proposed methodology utilizes the strengths of SVM and FFNN to distinguish between classes and capture complex patterns and relationships, respectively. The SVM model functions as a feature extractor, supplying the FFNN with high-level representations as inputs. Through an exhaustive evaluation utilizing labeled (...) financial transaction data, the integrated SVM-FFNN model shows promise in detecting fraud with increased accuracy and precision. This research contributes to the development of innovative techniques for enhancing financial fraud detection systems. (shrink)

The internet has become an ubiquitous epistemic source. However, it comes with several drawbacks. For instance, the world wide web seems to foster filter bubbles and echo chambers and includes search results that promote bias and spread misinformation. Richard Heersmink suggests online intellectual virtues to combat these epistemically detrimental effects . These are general epistemic virtues applied to the online environment based on our background knowledge of this online environment. I argue that these online intellectual virtues (...) also demand a particular view of cognitive integration. Online intellectual virtues are incompatible with a popular conception of extended minds proposed by Andy Clark and David Chalmers . I suggest that if we want to hold on to both a conception of online intellectual virtues and some conception of the extended mind, we have to accept a more gradual theory of cognitive integration along the lines of second-wave theories of the extended mind. (shrink)

Ever-increasing numbers of human interactions with intelligent software agents, online and offline, and their increasing ability to influence humans have prompted a surge in attention toward the concept of (online) manipulation. Several scholars have argued that manipulative influence is always hidden. But manipulation is sometimes overt, and when this is acknowledged the distinction between manipulation and other forms of social influence becomes problematic. Therefore, we need a better conceptualisation of manipulation that allows it to be overt and yet (...) clearly distinct from related concepts of social influence. I argue that manipulation is careless influence, show how this account helps to alleviate the shortcomings of the hidden influence view of manipulation, and derive implications for digital ethics. (shrink)

Free online services have become an essential part of onlife experience in the digital society. And yet, such digital gifts can be argued to represent a modern-day Trojan horse. This paper advances the theory that, far from being “free”, the digital gift economy disempowers and disenfranchises users, eroding privacy and promoting inequality. It concludes that what is needed to improve the situation is better taxation and stricter regulation of the advertising industry.

In this essay, we advocate that the issue of health data ethics should no longer be considered on the level of individual scientists or research labs, but rather as a problem involving all stakeholders, from publishers, funders, ethical committees to governments, for the sake of research integrity.

Online deliberation is one important instance of civic tech that is both for and by the citizens, through engaging citizens in Internet-supported deliberative discussions on public issues. This article explains the origins of a set of symposium articles in this journal issue based on the 2017 'International Conference on Deliberation and Decision Making: Interdisciplinary Perspectives on Civic Tech' held in Singapore. Symposium articles are presented in a sequence that flows from designing decision making systems to platforms to specific technological (...) nudges. (shrink)

Online shaming is a subject of import for social philosophy in the Internet age, and not simply because shaming seems generally bad. I argue that social philosophers are well-placed to address the imaginal relationships we entertain when we engage in social media; activity in cyberspace results in more relationships than one previously had, entailing new and more responsibilities, and our relational behaviors admit of ethical assessment. I consider the stresses of social media, including the indefinite expansion of our relationships (...) and responsibilities, and the gap between the experiences of those shamed and the shamers’ appreciation of the magnitude of what they do when they shame; I connect these to the literature suggesting that some intuitions fail to guide our ethics. I conclude that we each have more power than we believe we do or than we think carefully about exerting in our online imaginal relations. Whether we are the shamers or the shamed, we are unable to control the extent to which intangible words in cyberspace take the form of imaginal relationships that burden or brighten our self-perceptions. (shrink)

Introduction: Online eye-tracking has been used in this study to assess the impacts of different cultural backgrounds on information discernment. An online platform called RealEye allowed participants to engage in the eye-tracking study from their personal computer webcams, allowing for higher ecological validity and a closer replication of social media interaction. -/- Methods: The study consisted of two parts with a total of five visuals of social media posts mimicking news posts on Twitter, Instagram, and Facebook. Participants were (...) asked to view examples of real and fake news taken from a news fact-checking website, Snopes, and their eye movements were recorded during the process. Participants were recruited through Prolific and SONA; the total sample size for study 1.1 was 29 participants, and the total for study 1.2 was 25 participants, after removing poor eye-tracking data. A total of five visual images comprising true and false news were shown to the participant, study 1.1 had three examples and study 1.2 had two examples. There were two main cultural backgrounds in focus: participants born in China or the United Kingdom. -/- Results: Results suggested that participants follow a similar visual pattern of attention to Areas of Interest (AOIs) on the posts, which leads us to believe that due to the global standardisation of popular social media platforms, a bias might have occurred during information discernment. -/- Discussion: It is suggested that regardless of country background, users may have similar eye-tracking results while viewing a social media post because social media platform formats are standardised globally. Further research would recommend looking at language and linguistic traits when seeking differences between country backgrounds during online information discernment. (shrink)

In this chapter, I explore how experiences of social belonging might emerge and be sustained in online communities, drawing from the work on rituals by Randall Collins. I argue that rather than viewing mediated interactions in terms of whether they are suitable substitutes for face-to-face interactions, we should consider mediated encounters in their own right. This allows us to recognize the creative ways that people can create rituals in a mediated setting and thus support and create a sense of (...) belonging with others online. I also highlight how some online platforms not only support online rituals but that they are well-positioned to create and circulate collective symbols (or sacred objects) of groups and, thus, can continue to scaffold and sustain on-going feelings of belonging. (shrink)

Higher education curricula are developed based on creating conditions for implementing many professional and universal competencies. In Russia, one of the significant competencies for a modern specialist is business communication in oral and written forms in the Russian language and a foreign language. Therefore, teaching students to write in a foreign language is one of the modern requirements for young specialists’ professional training. This article aimed to study the tools of online communication that are used in teaching foreign languages. (...) The article presents the results of an empirical study and analysis of factors of application of online communication technologies in foreign languages teaching, synchronous and asynchronous means used in online learning, and the advantages of integrating online communication tools into the educational process of teaching a foreign language. The study of the advantages and disadvantages of educational platforms is based on an analysis of information and online communication technologies used in the educational process. Based on the example of teaching a foreign language, the article shows how online communication platforms are involved in the educational process. Furthermore, the teachers’ and students’ opinions are presented on how online platforms are convenient. The survey involved 928 first-year students and 76 foreign language teachers of Volgograd State University (Volgograd), Linguistics University of Nizhny Novgorod (Nizhny Novgorod), Tomsk Polytechnic University (Tomsk), Ural Federal University, named after the first President of Russia B.N. Yeltsin (Ekaterinburg). It was revealed that the integration of online communication tools has positive effects on the formation and development of written communication skills. (shrink)

Senior high school is known to be part of the newly implemented K-12 program in the Philippines' educational system. Hence, this program added two years to the academic learning program of students, which mainly focuses on different theoretical and vocational strands that aim to prepare and fully furnish the students for education and employment in the future. Due to adjustments to new online learning amidst the pandemic, students begin to experience various challenges, primarily social support and mental well-being. Hence, (...) this study investigates the relationship between social support and anxiety with 160 respondents from private schools. The findings revealed that social support and anxiety have a significant relationship (r=0.126). (shrink)

With the surge of the COVID-19 pandemic, online sellers faced challenges in managing their online business daily. Aside from it, their work-life balance has been negatively affected as well, considering that they work from home and are responsible for household responsibilities. Thus, this study is conducted during the pandemic and gathered data using a semi-structured interview through Messenger call. It is conducted to explore the lived experiences of online sellers and how they managed their online business (...) and personal life. It also determines the specific challenges they’ve encountered and how they coped with them. Lastly, this study aims to map out how these experiences will benefit online sellers and consumers and explain that online selling can be both sustainable and convenient in terms of earning a good living and meeting their daily needs. Moreover, three major conclusions emerged from this study’s findings: (1) online sellers faced psychological and physical difficulties in managing their online business during the pandemic, (2) online sellers discovered ways on how to cope with the struggles they are facing, and (3) online sellers reflected on their experience to be more effective in the online selling industry. (shrink)

In this paper, we introduce the Japanese philosopher Tetsurō Watsuji’s phenomenology of aidagara (“betweenness”) and use his analysis in the contemporary context of online space. We argue that Watsuji develops a prescient analysis anticipating modern technologically-mediated forms of expression and engagement. More precisely, we show that instead of adopting a traditional phenomenological focus on face-to-face interaction, Watsuji argues that communication technologies — which now include Internet-enabled technologies and spaces — are expressive vehicles enabling new forms of emotional expression, shared (...) experiences, and modes of betweenness that would be otherwise inaccessible. Using Watsuji’s phenomenological analysis, we argue that the Internet is not simply a sophisticated form of communication technology that expresses our subjective spatiality (although it is), but that it actually gives rise to new forms of subjective spatiality itself. We conclude with an exploration of how certain aspects of our online interconnections are hidden from lay users in ways that have significant political and ethical implications. (shrink)

We are witnessing increasing use of the Internet, particular social media, to criticize (perceived or actual) moral failings and misdemeanors. This phenomenon of so-called ‘online public shaming’ could provide a powerful tool for reinforcing valuable social norms. But it also threatens unwarranted and severe punishments meted out by online mobs. This paper analyses the dangers associated with the informal enforcement of norms, drawing on Locke, but also highlights its promise, drawing on recent discussions of social norms. We then (...) consider two crucial conditions that online public shaming must meet in order to be justifiable: proportionality and accountability. We argue that these requirements are in fact frequently violated, rendering most cases of online public shaming unjustified. While the use of online public shaming against others’ vices has some apparent virtues, it is currently rarely justified, given its own vices. (shrink)

In today’s rapidly evolving financial landscape, the adoption of Artificial Intelligence (AI) and Machine Learning (ML) technologies, coupled with the deployment of Business Rules Management Systems (BRMS), has transformed how financial transactions are conducted, monitored, and secured. With fraud, particularly in check deposit transactions, becoming increasingly sophisticated, financial institutions are turning to AI and ML to enhance their risk management strategies. This paper explores the integration of AI-driven models and business rules in financial transactions, focusing on their application in (...) fraud detection and prevention. We also examine the associated challenges, such as data privacy, ethical concerns, and the need for regulatory frameworks, while outlining the opportunities that lie ahead for future financial innovation. (shrink)

The fact that Internet companies may record our personal data and track our online behavior for commercial or political purpose has emphasized aspects related to online privacy. This has also led to the development of search engines that promise no tracking and privacy. Search engines also have a major role in spreading low-quality health information such as that of anti-vaccine websites. This study investigates the relationship between search engines’ approach to privacy and the scientific quality of the information (...) they return. We analyzed the first 30 webpages returned searching “vaccines autism” in English, Spanish, Italian, and French. The results show that not only “alternative” search engines but also other commercial engines often return more anti-vaccine pages (10–53%) than Google (0%). Some localized versions of Google, however, returned more anti-vaccine webpages (up to 10%) than Google. Health information returned by search engines has an impact on public health and, specifically, in the acceptance of vaccines. The issue of information quality when seeking information for making health-related decisions also impact the ethical aspect represented by the right to an informed consent. Our study suggests that designing a search engine that is privacy savvy and avoids issues with filter bubbles that can result from user-tracking is necessary but insufficient; instead, mechanisms should be developed to test search engines from the perspective of information quality (particularly for health-related webpages) before they can be deemed trustworthy providers of public health information. (shrink)

Alongside existing research into the social, political and economic impacts of the Web, there is a need to study the Web from a cognitive and epistemic perspective. This is particularly so as new and emerging technologies alter the nature of our interactive engagements with the Web, transforming the extent to which our thoughts and actions are shaped by the online environment. Situated and ecological approaches to cognition are relevant to understanding the cognitive significance of the Web because of the (...) emphasis they place on forces and factors that reside at the level of agent–world interactions. In particular, by adopting a situated or ecological approach to cognition, we are able to assess the significance of the Web from the perspective of research into embodied, extended, embedded, social and collective cognition. The results of this analysis help to reshape the interdisciplinary configuration of Web Science, expanding its theoretical and empirical remit to include the disciplines of both cognitive science and the philosophy of mind. (shrink)

This paper introduces a framework for direct surface composition by online update. The surface string is interpreted as is, with each morpheme in turn updating the input state of information and attention. A formal representation language, Logic of Centering, is defined and some crosslinguistic constraints on lexical meanings and compositional operations are formulated.

The auto insurance industry is plagued by fraudulent claims, resulting in significant financial losses and increased premiums for policyholders. To combat this issue, insurers are turning to advanced analytics and machine learning techniques to identify and prevent fraudulent activity. By analyzing a vast array of data points, including claimant information, vehicle details, and accident reports, insurers can build predictive models that detect patterns and anomalies indicative of fraud. These models can identify red flags such as inconsistent or suspicious claims, (...) exaggerated damage, or fake accidents. Moreover, they can also uncover organized criminal rings and scams, helping insurers to take proactive measures to prevent and investigate fraudulent claims. By leveraging data analytics and machine learning. (shrink)

This research paper investigates the transformative applications of data visualization techniques in the realm of financial crime detection, with a specific emphasis on addressing the challenges posed by credit card fraud and money laundering. The abstract explores the intricate landscape of visualizing financial data to uncover patterns, anomalies, and potential illicit activities. Through a comprehensive review of existing methodologies and case studies, the paper illuminates the pivotal role data visualization plays in enhancing the efficiency and accuracy of fraud (...) detection systems. By synergizing advanced visualization tools with machine learning algorithms, the study aims to provide insights into how financial institutions can bolster their defenses against evolving threats. Ethical considerations, usability, and the real-world impact of data visualization in combating financial crime are also scrutinized. This research contributes to the evolving discourse on leveraging visualization technologies to fortify financial systems against illicit activities, fostering a proactive and responsive approach to safeguarding economic ecosystems. (shrink)