Authorities say a network involving an accused from Uttar Pradesh, reportedly a Class 11 dropout, uses AI tools to create fake banking applications used by cybercriminals. The case comes to light during an investigation into a cyber fraud complaint registered in Surat. According to the reporting, in May 2026 a victim receives an APK file via WhatsApp. The file is said to closely resemble the official Punjab National Bank (PNB) mobile application, PNB One. Investigators allege the counterfeit app is part of a broader scheme to deceive users and drive fraud through impersonation. The materials provided through WhatsApp mimic the bank’s official offering, enabling targets to install the app and potentially expose themselves to further compromise. The reporting focuses on the use of AI to generate or support the creation of the fake applications and on how victims are contacted through messaging platforms. The information is tied to the Surat case and the specific incident involving the PNB One lookalike APK sent to the victim in May 2026.