The strongest shield against cyber fraud lies in daily awareness

As UPI and digital payments grow, criminals use psychological tricks and AI deepfakes to target users. Collective vigilance and cyber hygiene are your best defence

Over the past decade, the way we transact has changed dramatically: Cash is being replaced by digital wallets, the Unified Payments Interface (UPI) and mobile banking apps. This digital wave has carried millions into the formal financial system but there is a flip side. The technologies that empower are also being exploited by criminals — cyber fraud has become one of the fastest-growing threats to the financial system. The weakest link is often not the system but the person using it. Criminals have turned digital platforms into hunting grounds. Their methods are not just technological but psychological: They