A New Android Banking Trojan Masquerades as Utility and Banking Apps in India

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Authored by Dexter Shin
Through the years, cyber threats focusing on Android units have turn out to be extra refined and protracted. Just lately, McAfee Cell Analysis Group found a brand new Android banking trojan focusing on Indian customers. This malware disguises itself as important providers, akin to utility (e.g., fuel or electrical energy) or banking apps, to get delicate info from customers. Most of these providers are very important for day by day life, making it simpler to lure customers. We have now beforehand noticed malware that masquerades as utility providers in Japan. As seen in such instances, utility-related messages, akin to warnings that fuel service will disconnect quickly until the invoice is checked, could cause important alarm and immediate rapid motion from the customers.
We have now recognized that this malware has contaminated 419 units, intercepted 4,918 SMS messages, and stolen 623 entries of card or bank-related private info. Given the energetic malware campaigns, these numbers are anticipated to rise. McAfee Cell Safety already detects this risk as Android/Banker. For extra info, go to McAfee Cell Safety
Phishing via messaging platforms like WhatsApp
As of 2024, India is the nation with the very best variety of month-to-month energetic WhatsApp customers. This makes it a chief goal for phishing assaults. We’ve beforehand launched one other Banker distributed by way of WhatsApp. Equally, we suspect that the pattern we lately discovered additionally makes use of messaging platforms to succeed in particular person customers and trick them into putting in a malicious APK. If a person installs this APK, it’ll enable attackers to steal the sufferer’s monetary information, thereby undertaking their malicious purpose.

Determine 1. Scammer messages reaching customers by way of Whatsapp (supply: reddit)
 
Contained in the malware
The malware we first recognized was pretending to be an app that allowed customers to pay their fuel payments. It used the brand of PayRup, a digital cost platform for public service charges in India, to make it look extra reliable to customers.

Determine 2. Malware disguised as fuel payments digital cost app
 
As soon as the app is launched and the permissions, that are designed to steal private information akin to SMS messages, are granted, it asks the person for monetary info, akin to card particulars or checking account info. Since this malware pretends to be an app for paying payments, customers are prone to enter this info to finish their funds. On the financial institution web page, you possibly can see main Indian banks like SBI and Axis Financial institution listed as choices.

Determine 3. Malware that requires monetary information
 
If the person inputs their monetary info and tries to make a cost, the information is distributed to the command and management (C2) server. In the meantime, the app shows a cost failure message to the person.

Determine 4. Cost failure message displayed however information despatched to C2 server
 
One factor to notice about this app is that it may well’t be launched immediately by the person via the launcher. For an Android app to look within the launcher, it must have “android.intent.class.LAUNCHER” outlined inside an <intent-filter> within the AndroidManifest.xml. Nevertheless, since this app doesn’t have that attribute, its icon doesn’t seem. Consequently, after being put in and launched from a phishing message, customers could not instantly understand the app continues to be put in on their machine, even when they shut it after seeing messages like “Financial institution Server is Down”, successfully preserving it hidden.

Determine 5. AndroidManifest.xml for the pattern
 
Exploiting Supabase for information exfiltration
In earlier stories, we’ve launched varied C2 servers utilized by malware. Nevertheless, this malware stands out resulting from its distinctive use of Supabase, an open-source database service. Supabase is an open-source backend-as-a-service, much like Firebase, that gives PostgreSQL-based database, authentication, real-time options, and storage. It helps builders rapidly construct purposes with out managing backend infrastructure. Additionally, it helps RESTful APIs to handle their database. This malware exploits these APIs to retailer stolen information.

Determine 6. App code utilizing Supabase
 
A JWT (JSON Net Token) is required to make the most of Supabase via its RESTful APIs. Curiously, the JWT token is uncovered in plain textual content throughout the malware’s code. This offered us with a novel alternative to additional examine the extent of the information breach. By leveraging this token, we had been capable of entry the Supabase occasion utilized by the malware and achieve useful insights into the size and nature of the information exfiltration.

Determine 7. JWT token uncovered in plaintext
 
Throughout our investigation, we found a complete of 5,558 data saved within the database. The primary of those data was dated October 9, 2024. As beforehand talked about, these data embrace 4,918 SMS messages and 623 entries of card info (quantity, expiration date, CVV) and financial institution info (account numbers, login credentials like ID and password).

Determine 8. Examples of stolen information
 
Uncovering variants by package deal prefix
The preliminary pattern we discovered had the package deal identify “gs_5.buyer”. By investigation of their database, we recognized 8 distinctive package deal prefixes. These prefixes present crucial clues in regards to the potential rip-off themes related to every package deal. By inspecting the package deal names, we are able to infer particular traits and certain focus areas of the assorted rip-off operations.

Package deal Title
Rip-off Thema

ax_17.buyer
Axis Financial institution

gs_5.buyer
Gasoline Payments

elect_5.buyer
Electrical Payments

icici_47.buyer
ICICI Financial institution

jk_2.buyer
J&Okay Financial institution

kt_3.buyer
Karnataka Financial institution

pnb_5.buyer
Punjab Nationwide Financial institution

ur_18.buyer
Uttar Pradesh Co-Operative Financial institution

Primarily based on the package deal names, it appears that evidently as soon as a rip-off theme is chosen, not less than 2 totally different variants are developed inside that theme. This variability not solely complicates detection efforts but additionally will increase the potential attain and influence of their rip-off campaigns.
Cell app administration of C2
Primarily based on the data uncovered thus far, we discovered that the malware actor has developed and is actively utilizing an app to handle the C2 infrastructure immediately from a tool. This app can ship instructions to ahead SMS messages from the sufferer’s energetic telephones to specified numbers. This functionality differentiates it from earlier malware, which usually manages C2 servers by way of internet interfaces. The app shops varied configuration settings via Firebase. Notably, it makes use of Firebase “Realtime Database” somewhat than Firestore, probably resulting from its simplicity for primary information retrieval and storage.

Determine 9. C2 administration cell utility
 
Conclusion
Primarily based on our analysis, we now have confirmed that 419 distinctive units have already been contaminated. Nevertheless, contemplating the continuous growth and distribution of latest variants, we anticipate that this quantity will steadily enhance. This development underscores the persistent and evolving nature of this risk, emphasizing the necessity for cautious commentary and versatile safety methods.
As talked about originally of the report, many scams originate from messaging platforms like WhatsApp. Subsequently, it’s essential to stay cautious when receiving messages from unknown or unsure sources. Moreover, given the clear emergence of assorted variants, we suggest utilizing safety software program that may rapidly reply to new threats. Moreover, by using McAfee Cell Safety, you possibly can bolster your protection towards such refined threats.
Indicators of Compromise (IOCs)
 
APKs:

SHA256
Package deal Title
App Title

b7209653e226c798ca29343912cf21f22b7deea4876a8cadb88803541988e941
gs_5.buyer
Gasoline Invoice Replace

7cf38f25c22d08b863e97fd1126b7af1ef0fcc4ca5f46c2384610267c5e61e99
ax_17.buyer
Consumer Software

745f32ef020ab34fdab70dfb27d8a975b03e030f951a9f57690200ce134922b8
ax_17.quantity
Controller Software

Domains:

https[://]luyagyrvyytczgjxwhuv.supabase.co

Firebase:

https[://]call-forwarder-1-default-rtdb.firebaseio.com

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