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  • Pegasus: All you need to know about spyware that could erode your phone privacy despite encryption

    Your end-to-end encrypted social media apps such as WhatsApp and Facebook are not so ‘encrypted’. In essence, it is technological policies that guard your privacy and your activities online. While these policies have been reliable, at least for the time they lasted, your online activities are not so privately protected as you may think. They may be protected, but when those who seek your private information are after it, you can do little or nothing about it. And Pegasus guarantees that. Pegasus is a spyware that bypasses all the protective devices on your smartphone; infiltrates your personal data, and supplies it to those seeking it. 

    Pegasus is developed by the Israeli cyber arms firm NSO Group; it can be discreetly installed on mobile phones without the user’s knowledge. The Pegasus spyware enters a smartphone and takes control of everything including functionalities such as the camera and microphone.

    Built to infiltrate phones operating on  Android, Blackberry, iOS, and Symbian to open them to surveillance, the spyware does not need users’ consent or actions to carry out its operations successfully. 

    Although the NSO Group was founded in 2010 with the sole purpose of developing best-in-class technology to help government agencies detect and prevent a wide range of global and local threats, there have been concerns from journalists, human rights activists, politicians, and other individuals over direct use of spyware on them to stifle democracy, especially in autocratic nations.  

    Earliest use

    The earliest reported use of Pegasus was by the Mexican government in 2011 to track notorious drug baron Joaquín “El Chapo” Guzmán.

    Jamal Khashoggi, the  murdered Saudi-Arabian dissident was said to have been monitored using the Pegasus Spyware

    In August 2016, an investigation revealed failed attempts to install the spyware on a human rights activist. The news attracted wide attention and was widely regarded as the “most sophisticated” privacy bridge on a smartphone. 

    This set of events marked the earliest use of the tool to track down persons. Nonetheless,  numerous documentaries and investigations that were eventually released revealed that the spyware has been used to track people acquainted with the murdered Saudi Arabian dissident, Jamal Khashoggi. 

    Pegasus at work…

    Like most software, Pegasus has witnessed evolutions that improve its operations. While former versions of the tool subscribe mainly on the user’s susceptibility to click the spear-phishing link sent to the phone or click a document, dummy message, or miss calls that covertly installs the spyware, the latest version of Pegasus is now more sophisticated and does not need the user’s input. It can now simply penetrate a smartphone, especially through the widely used, end-to-end encrypted messaging app like WhatsApp without the phone’s user even noticing. 

    According to the Regional Editor of  The Conversation Africa,  Adejuwon Soyinka, “since 2019, Pegasus users have been able to install the software on smartphones with a missed call on WhatsApp, and can even delete the record of the missed call, making it impossible for the phone’s owner to know anything is amiss. Another way is by simply sending a message to a user’s phone that produces no notification.”

    This reality simply indicates that the updated version of the spyware does not need the smartphone holder to do anything. As Soyinka puts it “All that is required for a successful spyware attack and installation is having a particularly vulnerable app or operating system installed on the device. This is known as a zero-click exploit.” This can be carried out in different ways, The Indian Express explained that “one over-the-air (OTA) option is to send a push message covertly that makes the target device load the spyware, with the target unaware of the installation over which she anyway has no control.” 

    The Washington Post also reported an international investigation on 23 Apple devices that were successfully hacked. “Zero-click” attacks can work on even the newest generations of iPhones, even after years of effort in which Apple attempted to close the door against unauthorized surveillance. 

    Will Cathcart, WhatsApp’s Chief Executive Officer, even expressed his disappointment with the NSO and explained that  “A user would receive what appeared to be a video call, but this was not a normal call. After the phone rang, the attacker secretly transmitted malicious code in an effort to infect the victim’s phone with spyware. The person did not even have to answer the call.”

    “Once it is installed on the user’s phone, Pegasus can harvest any data from the device and transmit it back to the attacker. It can steal photos and videos, recordings, location records, communications, web searches, passwords, call logs, and social media posts. It also has the capability to activate cameras and microphones for real-time surveillance without the permission or knowledge of the user,” Cathcart said. 

    Which type of people are targeted?

    The NSO said it created the Pegasus spyware to help government agencies quell terrorism and insecurity. While countries like India, Mexico, Saudi Arabia, and some other nations are known to have used or are still using the Pegasus spyware, there is, however, an ambiguity about who or what types of people are being targeted and why. 

    However, the renowned stories around Jamal’s Khashoggi’s murder show the tool is widely used by suppressive governments around the world to monitor and track the activities of journalists and human rights activists. According to Amnesty International, there is a  list that contains phone numbers that were marked as “of interest” to NSO’s various clients, though it’s not known if any of the phones associated with numbers have actually been tracked.

    This reality has led to an in-depth investigation by a media consortium called the Pegasus Project over 50, 000 phone numbers. Though the research could only trace the actual identities of 1,000 people in over 50 countries from the list, conclusive findings show that the people who appeared on the list are neither terrorists nor criminals but politicians, government workers, journalists, human rights activists, business executives, and Arab royal family members.

    The Pegasus Project reports “the NSO Group says it builds Pegasus solely for governments to use in counterterrorism and law enforcement work. The company markets it as a targeted spying tool to track criminals and terrorists and not for mass surveillance. The company does not disclose its clients.”

    A tool to detect the Pegasus Spyware

    This is a question that has been asked countless times by persons who have come across or heard about Pegasus spyware. The singular answer to this question is that there is no particular way or sign to do so. However, there is a Toolkit developed by Amnesty International that verifies the status of devices and allows users to know if their mobile phones were infected with the spyware. 

    This Toolkit has been boosted by Switzerland-based developer DigiDNA by improving on their iOS device manager, iMazing. The tool detects all sorts of spyware including Pegasus. According to terms outlined by the DigiDNA company, the spyware detection tool is only for iOS devices and does not also analyze jailbroken iPhones (allowing the phone’s owner to gain full access to the root of the operating system and access all the features). You can read more on how to install the app on iPhone here

    You can do something about it: It’s not a totally helpless situation

    Nonetheless, it is pertinent to note that Pegasus has its own lapses and gaps.  According to a Pegasus brochure, “installation from browsers other than the device default (and also chrome for android based devices) is not supported by the system”. This implies that one way to swerve the spyware is to change the default phone browser. This action halts the installation of spyware. 

    According to a set of precautions against Pegasus presented by the Indian Times, thoughtful cyber hygiene can safeguard against spyware’s baits. But when Pegasus exploits a vulnerability in one’s phone’s operating system, there is nothing one can do to stop a network injection. Worse, one will not even be aware of it unless the device is scanned at a digital security lab.

    The article further outlines that “Switching to an archaic handset that allows only basic calls and messages will certainly limit data exposure, but may not significantly cut down infection risk. Also, any alternative devices used for emails and apps will remain vulnerable unless one forgoes using those essential services altogether.”

    “Therefore, the best one can do is to stay up to date with every operating system update and security patch released by device manufacturers, and hope that zero-day attacks become rarer. And if one has the budget, changing handsets periodically is perhaps the most effective, if expensive, remedy.”

    “Since the spyware resides in the hardware, the attacker will have to successfully infect the new device every time one changes. That may pose both logistical (cost) and technical (security upgrade) challenges. Unless one is up against unlimited resources, usually associated with state power.”

    Conclusion 

    The Pegasus spyware has no doubt altered cybersecurity. While the protection built against it is no match for its influence and ravaging capacity, the Pegasus spyware, like many other technologies that have come before it, will eventually give way and perhaps be forgotten. However, until that time comes, smartphone users will continue to be vulnerable to this spyware, since end-to-encrypted applications are also susceptible to “mighty Pegasus” and cannot protect one’s private information. 

  • Delivery tracker and Green Book: Here is what you need to know

    Infrastructural or development delivery tracker does not have a direct meaning in the dictionary but as the term suggests, the tracker keeps tabs on status of delivery of government infrastructural and development projects. 

    The tracker website is said to aid in ensuring transparency and accountability in the governance system. 

    The term was first announced on August 18, 2020 by the Vice President, Dr Mahamadu Bawumia, during the electioneering campaign in 2020.

    Before the introduction of the tracker website, the erstwhile National Democratic Congress(NDC) government in its bid to keep records of their projects and achievements introduced the ‘GreenBook.’

    Similarities and differences between the Green Book and Delivery Tracker 

    Unlike the Delivery tracker website and App, the GreenBook as the name implies had all its infrastructural and other development projects stipulated in a book with its soft copy in PDF. 

    While the Tracker is a living portal subject to change and updates, the GreenBook was a written document at the end of a four year term. 

    The book was also presented in two parts,with the first part giving a broad overview of Government’s performance and the second part providing pictorial proof of work done at the district level.

    However, both websites are similar in content format. Both Tracker and GreenBook are to keep records of projects and promises made during campaigns which have been delivered. They both address infrastructure data by sectors, regions and districts.

    In a nutshell, the two projects were to track the political parties’ achievements in government, make themselves accountable to the people and to enable them draft informed campaign messages. In view of this, the NDC themed the Green Book as accounting to the people, changing lives,transforming Ghana.

    Concerns raised on both projects 

    Ghanaians have subjected both initiatives to strict proof as they pointed out invisible projects published as either completed or ongoing.

    Some opposition party activists held press conferences calling out projects published on the tracker website as invisible. Section of the minority also termed it as ‘ghost’ projects. 

    The tracker website was taken down after the Vice President admitted errors in the infrastructural achievements published on the website but has since been restored.

    There were instances where the President, Nana Addo Danquah Akufo-Addo, teasingly described claims by the Mahama administration that it undertook unprecedented infrastructural development, as a mere fantasy that was contained in the Green Book of the NDC.

    African countries with delivery tracker website 

    Google search engine shows no results of African countries with such initiative. The only tracker synonymous to all is the COVID-19 tracker which makes Vice President Bawumia’s claim that Ghana is the first to initiate such a project likely to be true.

    “As we know, Ghana is the only country in Africa that has implemented this publicly accessible delivery tracker for its infrastructure projects. No other country has done so,” the Vice President had said.

  • Viral photo purported to be a destroyed asphalt road in Ghana, false

    Claim: A Twitter user claims an image of a damaged section of an asphalt road is from Ghana.

    Findings reveal the photo was taken in Thailand, not Ghana.

    Full Text

    A Twitter user has attributed a damaged section of an asphalt road to be that of a road constructed in Ghana.

    The photo captioned “Water has carried the road away #fixthecountry” was published on August 4, 2021, a day before a protest dubbed #FixTheCountry to pile pressure on the government to address Ghana’s numerous challenges, including youth unemployment, poor infrastructure, and high cost of living.

    The claim has been posted by the same Twitter user @Opresii several times this year. It has amassed over 3,000 likes, 500 retweets, and over 60 quote tweets.

    However, it has been used by a Facebook user where it was said to be a road at Abia State in Nigeria.

    Verification

    We conducted a google reverse image search and found out that the photo was first found posted online on 30th August 2019 and is associated with Thailand.

    This is corroborated in a news report by Workpoint Today which is a news agency in Thailand. According to the news report, the photo was first posted by a Facebook user Prince of Wales after villagers in Chanuman District, Amnat Charoen Province, called on authorities to repair the paved road surface that slipped out into a sheet after the flood subsided.

    The photo posted on Facebook gave us a clearer view of the picture, revealing a number plate, as seen in the photo, which is a clear indication that the image was not taken in Ghana. 

    Image Source: Facebook

    More evidently, Thailand’s Anti-Corruption Organization reported on the road case with the same images and text.

    Affiliate fact-checking organizations including Dubawa Nigeria have verified the photo and affirmed the destroyed road is in Chanuman District in Thailand.

    The report described the photo as false and asserts that the photo is of a dilapidated road from Chanuman District in Thailand.

    Furthermore, a report by AFP fact check on the photo demonstrated this more clearly by using natural features and objects seen in the image to find the location of the road.

    Using Google Maps Street View, pictures of the exact location in Thailand were uncovered, showing images from 2015, before the road’s construction and more recent images showing the road after reconstruction.

     Image Source:Facebook and Google Maps

    Conclusion

    The dilapidated road claimed to be in Ghana is false and misleading. It is a road in Chanuman District in Thailand. Other fact check organizations have verified the photo and concluded that it is a road from Thailand. 

    This report was produced under the Dubawa Student Fact-checking Project aimed at offering students in tertiary schools aspiring to take up roles in the profession the opportunity to acquire real-world experience through verification and fact-checking. 

  • Scam! WAEC is not offering results upgrade services to candidates

    Claim: The West African Examination Council (WAEC) in collaboration with the Ghana Education Service is raising examination results to aid candidates’ entry to tertiary institutions – Facebook user

    WAEC says it is not collaborating with the Ghana education service for the upgrade of results.

    Full Text

    In anticipation of the 2021 West African Examination Council (WAEC) examinations conducted across West African countries such as Ghana, Nigeria, Sierra Leone and The Gambia and the subsequent release of the examination time table, a claim has surfaced on social media, particularly on Facebook groups about WAEC entering into collaboration with the Ghana Education Service (GES) to upgrade results.

    “The accredited office of the West African Examination Council and Ghana Education service is still rendering its secure, safe and authentic Results upgrade and certificate generation services…assisting candidates gain admission to Tertiary institutions nationwide,assisting teacher trainees gain recruitment and creating links to civil service recruitment,” portions of the claim reads.

    Image: Screenshots of the claim

    We were able to identify Mintah Francis as a Facebook user who posted the message on Tamale Radio 91.7  Facebook page and Fancy Gadam Fan page on Facebook.

    Verification

    Dubawa contacted the attached WhatsApp number to find out how authentic this claim was. In a WhatsApp conversation with us, Mintah disclosed that this upgrade was a service that he has been providing for the past five years, adding that  WAEC gave  300 slots for the upgrade of results.

    He added that the objective of the upgrade of results is to help provide older candidates with better results to enable them access jobs within and outside Ghana and to further their education without any hindrances. The process, he indicated, is free but interested parties are required to purchase a form which costs ¢100.

    Images: Screenshots of the chats 

    Dubawa then proceeded to contact the West African Examination Council (WAEC) through email to obtain the authenticity of this claim. The Examination body replied, saying it has no knowledge of such service and that it’s a scam. 

    Image: Screenshot of WAEC reply.

    We again contacted Mintah Francis who is circulating the said claim and making attempts to justify its authenticity, informing him that such claim has been rendered as a scam by the WAEC.

    He response was,

    ” We don’t need  your ¢100 here.” 

    Image: Screenshot of the chat.

    It’s worth noting that scams of this kind exist and students have been sacked from the various public institutions in the country over fake or falsified WAEC/SSCE results.

    Below are some instances.

    Conclusion

    The West African Examination Council is not collaborating with the Ghana Education Service for the upgrade of results and its mandate does not include tampering with examination results in any way.

    This report was produced under the Dubawa Student Fact-checking Project aimed at offering students in tertiary schools aspiring to take up roles in the profession the opportunity to acquire real-world experience through verification and fact-checking. 

  • English language speakers have a higher tendency of spreading Covid-19 – Research

    The spread of Covid-19 has largely been associated with coughing and sneezing. Consequently many studies into oral spread of Covid-19 have resulted in findings that indicate that talking and breathing can also contribute to the spread of the virus. Pertaining to talking, much has been said about how different languages vary in the possible transmission of the coronavirus, with English leading the pack in languages believed to spread the coronavirus easily.

    A study conducted by researchers at the RUDN University, Russia, and University of Nicosia, Cyprus has found that indeed, English speakers are more likely to spread COVID-19 than other language speakers. The study suggests that persons who speak English put out more saliva droplets into the air, thereby increasing the risk of COVID-19 transmission.

    In the English language, the aspirated consonants (i.e. the sounds that are accompanied by exhalation) include /p, t, k/. These sounds throw myriad tiny droplets from the speaker’s respiratory tract into the air, thereby leading to a cloud of spit – the lead researchers, Georgios P. Georgiou and Ahmad Kilani have said.

    That means carriers of the COVID-19 virus, who speak the English language, send viral particles into the air, particles which are said to linger in the air for a period between 8 to 14 minutes.

    The study looked at data from 26 countries with more than 1,000 COVID-19 cases as of March 23, 2020. There were more cases of virus spread in countries that spoke languages with aspirated consonants – those countries recorded 255 cases of COVID-19 per 1 million residents, while countries with languages that had few aspirated consonants showed 206 cases of COVID-19 per 1 million residents.

    Source: Forbes

    Dubawa spoke to Dr. Kwabena Opoku-Agyemang, English Lecturer at the University of Ghana, who confirmed that the nature of English pronunciations can cause production of more saliva droplets than other languages will do.

    “The [research] explains the phenomenon through the use of aspirated consonants. It is true, due to the nature of pronunciation,” he said.

    Additionally, a letter published in the medical journal, The Lancet, on the outbreak of SARS-CoV-1 supported the indication that the disease could have been more easily transmitted in certain languages, especially Chinese and English. The author argued that the Japanese aspirated stops like /p/, which are also said to produce droplets, are not used as much in comparison to English. 

    Spread of Aerosol Particles

    An Immunologist with the West African Center for Cell Biology and Infectious Pathogens (WACCBIP), Dr. Yaw Bediako, believes all languages cause spitting of saliva droplets, or lead to the production of aerosolized particles while  recent studies also state that ‘normal talking’ can emit thousands of small particles that can linger in the air for over 10 minutes.

    A study titled “the airborne lifetime of small speech droplets and their potential importance in SARS-CoV-2 transmission” adds that normal speaking also produces oral fluid droplets that can harbour a variety of respiratory pathogens.

    This research further confirms that “whereas large droplets fall quickly to the ground, small droplets can dehydrate and linger as ‘droplet nuclei’ in the air, where they behave like an aerosol and thereby expand the spatial extent of emitted infectious pathogens.”

    Source: The New England Journal of Medicine

    As seen in the above photos, numerous droplets, ranging from 20 to 500 μm, were generated when a person said “stay healthy.”

    “The brightness of the flashes reflected the size of the particles and the fraction of time they were present in a single 16.7-msec frame of the video.”

    “The number of flashes in a single frame of the video was highest when the “th” sound in the word “healthy” was pronounced (Figure 1A),” the Journal explained.

    Conclusion 

    The research on SARS, which dates back to 2003, confirms that through the use and pronunciation of aspirated consonants, /p, t, k/, English speakers throw out more saliva droplets into the air, a phenomenon that can spread COVID-19.

    This report was produced under the Dubawa Student Fact-checking Project aimed at offering students in tertiary schools aspiring to take up roles in the profession the opportunity to acquire real-world experience through verification and fact-checking. 

  • False! Burnt laptop is not that of yet-to-be distributed “teachers’ laptops”

    Claim: A “teachers’ laptop” exploded after a teacher tried installing windows 10, according to a social media user.

    The Ghana Education Service has not started distributing the “teachers laptops.”

    Full Text

    A social media user claims that one of the laptops given to teachers in Ghana caught fire after a teacher tried installing  windows 10. Attached to the post is an image of a burnt laptop. The claim which has since gone viral has raised some  concerns.

    Some concerned Facebook users took to their walls to advise persons to stay away from misleading reports.

    “When evil is at work. How can some people propagate deep lies like that? Please disregard this post in case you see it.

    The laptops for teachers have not been shared yet and so which laptop did the so-called teacher try to install Windows 10 huh? Oh daabi da! The laptops to be shared soon are of good quality.  Be assured Teachers!,” one of the reactions to the post reads.

    About the ‘teachers laptops’

    On 23rd September 2020, the Ghana National Association of Teachers (GNAT) appealed to the government at a Stakeholders Forum to provide each teacher with a laptop and modem to ensure innovative means of teaching and to enhance virtual learning during this COVID period.

    In February this year, the government of Ghana through the Ghana Education Service announced plans to secure laptops for all teachers in the country after consulting with teacher unions. The project is dubbed ‘One teacher One Laptop (1T1L).

    In a letter signed by the Deputy Director General of Ghana Education Service, Mr Anthony Boateng, on July 28, 2021, the service announced the distribution of the laptops to begin with teachers in Senior High Schools(SHS).

    This announcement was met with mixed reactions. While some welcomed the initiative, others questioned  the basis for the distribution and procurement.

    Verification 

    According to the Public Relations Officer of the Ghana Education Service(GES), Ms Cassandra Ampofo Twum, the laptops have not been distributed yet.

    Further, using Tineye image search, it was revealed that the image has featured on over four different websites to represent tech failure articles. 

    Some of these websites trace their source to bored panda, a Lithuanian website that publishes articles about lightweight and inoffensive topics.

    Daily mail UK sourcing the image to Bored panda stated,

    “………collated in a Bored Panda picture gallery, including a computer mouse overrun by ants after the owner surprisingly cleaned it with lemonade, and a laptop that had been completely burnt.”

    The user has since clarified not apologized for posting such information, adding that it was for sarcastic purposes with no malice attached. 

    A screenshot of an article which he claims informed his decision to post the burnt laptop was also attached to the clarification post.

    Conclusion

    With the facts available to Dubawa, we conclude that the burnt laptop and information attached is false and misleading.

  • False: Rent Control Department Office not locked by landlord for rent arrears

    Claim: Amasaman Rent Control Department Office locked by landlord for non-payment of rent arrears

    No Rent Control Department Office has been locked due to non-payment of rent

    Full Text

    A viral post on social media, on Saturday, August 7, 2021, claimed a Rent Control Department (RCD) office, under the Ministry of Works and Housing, has been closed down for failure to honour its rent obligations. 

    The post, which was emanating from a report posted by Ghana News Page on its Facebook page, said the Amasaman office of RCD owed five months rent arrears, which compelled the landlord to lock up the place after all unsuccessful attempts to get it settled. 

    The landlord, whose name was given as Mr. Joseph Nsiah Abugri, is reported to have said the Department initially made a two-year advance payment to rent his place. They were subsequently to make monthly payments after the two years advance had expired.

    The post appeared to be quite ironic, given that RCD works cooperatively with landlords and tenants to promote optimum peaceful co-existence through education, reconciliation while also providing support on rent matters in compliance with the Rent Act 220.

    This led us to fact-check the claim which had attracted a lot of reshares and comments on Facebook, few of it have been shared below.

    Verification

    A statement issued on August 7, 2021, and signed by the Chief Rent Manager of the Rent Control Department, Mr. Twum Ampofo, denied the viral claim.

    “It is obvious that the deliberate circulation of these rumours are intended to paint the Department in a negative light. Management wishes to inform the general public that there is no iota of truth in the rumor,” the statement said.

    Furthermore, RCD denied knowledge of the said landlord, Mr. Joseph Nisah Abugri, as indicated in the widely circulated story, while stating that it “shall always adhere to the provisions of the ACT 220 by not paying more than six months Rent Advance to any landlord.”   

    Also, the Head of Public Relations of RCD, Mr. Emmanuel Hovey Kporsu, in an interview said the viral report is false and indicated that all efforts are being made to trace the location of the online news portal behind the report.

    He said although the Amasaman office of RCD is a rented facility, the landlord is not called by the name reported, and office premises are not also painted as attached or portrayed by the report.

    In addition to the information provided by officials of RCD, a google reverse image search revealed that the attached image of the Ghana News Page report is an image of a story published by Graphic online  on January 30, 2021.

    The Graphic online image was captioned “Mr Agyemang Badu, Head of Operations, Health Facilities Regulatory Agency locking the Susan Clinic in Lartebiokorshie.”

    Other online news portals have the same image and caption related to the story published by Graphic online.

    Conclusion

    Based on the above information, we can conclusively say the viral report is false.

  • Ghana’s E-Cedi: What you need to know about Ghana’s Digital Currency (E-CEDI)

    The Bank of Ghana (BOG) in September 2021 will pilot the digital Cedi currency also known as the E-CEDI.

    This was announced by the First Deputy Governor, Dr Maxwell Opoku Afare, when he addressed the media on Monday July 12, 2021.

    In June 2021, the governor of the BOG, Dr Ernest Addison, disclosed that the digital currency (E-Cedi) is in the advanced stages and will go through three phases – design, implementation and piloting – before it goes into circulation.

    The design phase, which involves the design of the digital money, is completed. After the design phase, the central bank will move to the implementation and the piloting stage where a few people would be able to use the digital cedi on their mobile applications and other apps that are currently running.

    Ghana’s central bank partnered with a U.S. company called EMTECH, a fintech startup dedicated to central banks. This partnership is for a digital transformation journey which will establish a template that other regulators and stakeholders can embrace for a robust banking sector. The partnership will leverage EMTECH’s software to test innovative solutions, including blockchain. The approach will bring on board new products and services as well as bridge the gap between the banked and unbanked.

    The project is also designed to speed up the time to market for the Bank of Ghana’s CBDC.

    What is a Central Bank Digital Currency (CBDC)?

    The Central bank digital currency is the digital form of a country’s fiat currency.  The central bank of a country will issue electronic tokens whose value is backed by the full faith and the credit of the government which replaces the minting coins or the paper notes.

    The supply of the Central bank digital currency will be wholly determined and controlled by the central government.

    Can Ghanaians use the E-Cedi in other countries?

    During the announcement on the piloting of the E-Cedi, Dr. Maxwell Opoku Afare said that as part of the preparations for the launch of the digital currency, there would be coordination between the Bank of Ghana and other central banks across the world, to enable Ghanaians use e-cedi for international transactions as well.

    Is the E-Cedi Volatile?

    Cryptocurrencies such as Bitcoin are characterised by a number of factors, including a lack of proper central bank regulation, that lead to its volatility. 

    According to Investopedia, cryptocurrencies are too unstable to play the function of money because they are not regulated by a state body or a recognized body within the state. They are managed by personal corporations and are subject to market volatility which makes them unfit to satisfy the usual capabilities of cash.

    Unlike cryptocurrencies that experience high inflations, high profile losses and uncertainties of future values, the E-Cedi is expected to be less volatile because it will be backed by the state. If there are any market fluctuations, the central bank will step in and find a lasting solution to the instability in the market.  

    The importance of the E-Cedi

    The E-Cedi will ensure financial inclusion in the Ghanaian economy. According to the Atlantic council Geotech Centre, digital money solutions like the mobile money, will also be seen as a means to increase financial inclusion by pushing the government to include populations that are unbanked into the digital economy.

    According to the Bank of England the digital currency can boost the gross domestic product (GDP) of a country up to three per cent by lowering transaction costs associated with transfers and transactions. Additionally, the Bank of International Settlement has stated that it can improve liquidity by allowing faster transaction speeds.

    Are other economies into CBDC?

    Major world economies such as Brazil, China, the Eurozone, Japan, Russia, the United Kingdom, and the United States are undergoing various phases of research, exploration and trial of CBDCs.

    AIBC news on June 6, 2021 reported that Ghana, therefore, surpasses many economies in the world in efforts to implement its own Central Bank Digital Currency, and has the lead on the African continent, with South Africa in the research stage since the beginning of the year. 

    China is almost done with their multi million participants pilot with several other countries in Asia and Sweden in Europe, having made major advancements.

    Conclusion

    Central Bank Digital Currency (CBDC) is the way forward for the world’s economy when properly regulated to respond to global issues, such as the COVID-19 which took the world by surprise. Risks involved are far less compared to other unregulated digital currencies.

    This report was produced under the Dubawa Student Fact-checking Project aimed at offering students in tertiary schools aspiring to take up roles in the profession the opportunity to acquire real-world experience through verification and fact-checking

  • Satire: Photo not about an Italian saving a boy who did not observe road traffic regulations, just meant to be funny

    Claim: A Facebook post claims to show an Italian who saved English boy who crossed a road without looking in London.

    The photo shows a bus on the streets of London and an image from the 2020 England versus Italy final edited into one image and does not depict what the accompanying text suggests. It was to make light of the match, according to the social media user who shared the post.

    Full Text

    A Facebook post by Stade Afrique suggests that an image, shown below, shows an Italian who saved an English boy who was crossing the street without looking. The post has received 2.1K likes and has been shared multiple times. 

    Image source: Facebook.com

    Although many users have received the post in a comical manner, some users seem not to have gotten the joke.

    “So they came onto the streets in their jerseys. Abi?” one Facebook user asked while others have called out Stade Afrique a liar for posting the image. 

    Verification

    Using TinEye reverse image search, we ran a search on the Facebook post and found an existing picture of the bus without the two men. 

    Following this, comments from some Facebook users suggested that the men in the picture are footballers from the just ended Euro 2020 finals. We followed this lead and found it to be true.

    The UEFA Euro 2020 final match took place at Wembley Stadium in London, England on July 11, 2021. The match was played between Italy and England where both teams scored a goal, leading to an extra time and penalties where Italy won 3-2. 

    During the match, Giorgio Chiellini was seen gripping Bukayo Saka as seen in the image below. 

    Image source: Flipboard 

    The above image has been edited into an image of a London bus as seen below.

    Image source: Wikimedia Commons

    We found the image of the bus in Wikimedia Commons and were able to compare the image in the Facebook post and the two images identified to confirm that these were the two images edited together.

    We also contacted Stade Afrique and were able to confirm that the image was meant to be comical.

    “Yeah o.o…Just interested in the fun but most people can’t chill anymore…Tells us how bad our environment is now. People can’t laugh anymore,” they told Dubawa.

    Conclusion

    The claimed photo does not show an italian saving an English man who failed to observe the road traffic before crossing. It was a comical play on the results of the match between Italy and England.

  • New Delta Variant of COVID-19: Facts, Symptoms and What We Know so Far

    Since the Coronavirus became a pandemic, there have been new variations of the virus which have left scientists researching daily to find more clues about it.  Scientists and health experts call this process mutation. Mutation, according to the National Human Genome Research Institute (NIH) , is a change in a DNA sequence which can be as a result of  DNA copying mistakes made during cell division, exposure to ionizing radiation, exposure to chemicals called mutagens, or infection by viruses.  Viruses do this  to adapt and survive in new environments.

    Although there have been approved vaccines to help fight the pandemic, there are still new variations. Variations such as the Alpha variant, the Beta variant, the Kappa variant and the C.37 or the Lambda variant exist. The latest of the COVID-19 variations is the Delta.

    What is Known About the Delta Variant?

    According to the American Center for Disease Control and Prevention (CDC), the Delta variant, also known as B.1.617.2, emerged in India and is currently widespread. Evidence suggests that it is potentially more transmissible than other variants.

    The CDC has indicated that the Delta variant can spread more easily in indoor settings than other variants. Currently, the Delta variant has been detected in more than 60 countries including Ghana. As of early July, it has become the dominant form of the coronavirus in the U.S., U.K., Germany, and other countries. In the U.K., for instance, the Delta variant now makes up more than 97% of new COVID-19 cases, according to Public Health England.

    Are the symptoms of the Delta variant different?

    Public health officials  say the symptoms of the Delta variant  are similar to those seen with the original coronavirus strain and other variants. This includes persistent cough, headache, fever, and sore throat which are symptoms already associated with the first strain of coronavirus.

    However, WebMD reports that some COVID-19 patients in the UK  have reported slightly different symptoms for the Delta variant, according to data from the ZOE COVID Symptom Study. Cough and loss of smell seem to be less common. Headache, sore throat, runny nose, and fever seem to be more common.

    How Deadly is the Delta Variant?

    A recent study by The Lancet indicates that, given its faster spread, the Delta variant is likely to increase hospitalization and deaths, especially in people who have not received any of the approved vaccines.  

    Health experts say the approved vaccines have shown some effectiveness against the Delta variant. According to  Public Health England, a preliminary analysis has shown that two doses of the Pfizer or Moderna vaccine appeared to be about 88% effective against disease prevention and 96% effective against hospitalization with respect to the Delta variant. The AstraZeneca vaccine, which has not been authorized for use in the U.S., was about 60% effective against disease and 93% effective against hospitalization.

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