Domestic UPI Frauds: Finance Ministry Presented Data in LokSabha
Introduction
According to the Finance Ministry's data, the incidence of domestic Unified Payment Interface (UPI) fraud rose by 85% in FY 2023-24 compared to FY 2022-23. Further, as of September of FY 2024-25, 6.32 lakh fraud cases had been already reported, amounting to Rs 485 crore. The data was shared on 25th November 2024, by the Finance Ministry in response to a question in Lok Sabha’s winter session about the fraud in UPI transactions during the past three fiscal years.
Statistics

UPI Frauds and Government's Countermeasures
On the query as to measures taken by the government for safe and secure UPI transactions and prevention of fraud in the transactions, the ministry has highlighted the measures as follows:
- The Reserve Bank of India (RBI) has launched the Central Payment Fraud Information Registry (CPFIR), a web-based tool for reporting payment-related frauds, operational since March 2020, and it requires requiring all Regulated Entities (RE) to report payment-related frauds to the said CPFIR.
- The Government, RBI, and National Payments Corporation of India (NPCI) have implemented various measures to prevent payment-related frauds, including UPI transaction frauds. These include device binding, two-factor authentication through PIN, daily transaction limits, and limits on use cases.
- Further, NPCI offers a fraud monitoring solution for banks, enabling them to alert and decline transactions using AI/ML models. RBI and banks are also promoting awareness through SMS, radio, and publicity on 'cyber-crime prevention'.
- The Ministry of Home Affairs has launched a National Cybercrime Reporting Portal (NCRP) (www.cybercrime.gov.in) and a National Cybercrime Helpline Number 1930 to help citizens report cyber incidents, including financial fraud. Customers can also report fraud on the official websites of their bank or bank branches.
- The Department of Telecommunications has introduced the Digital Intelligence Platform (DIP) and 'Chakshu' facility on the Sanchar Saathi portal, enabling citizens to report suspected fraud messages via call, SMS, or WhatsApp.
Conclusion
UPI is India's most popular digital payment method. As of June 2024, there are around 350 million active users of the UPI in India. The Indian Cyber Crime Coordination Centre (I4C) report indicates that ‘Online Financial Fraud’, a cyber crime category under NCRP, is the most prevalent among others. The rise of financial fraud, particularly UPI fraud is cause for alarm, the scammers use sophisticated strategies to deceive victims. It is high time for netizens to exercise caution and care with their personal and financial information, stay aware of common tactics used by fraudsters, and adhere to best security practices for secure transactions and the safe use of UPI services.
References
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On March 02, 2023, the Biden-Harris Administration unveiled the National Cybersecurity Plan to ensure that all Americans can enjoy the advantages of a secure digital environment. In this pivotal decade, the United States will reimagine cyberspace as a tool to achieve our goals in a way that is consistent with our values. These values include a commitment to economic security and prosperity, respect for human rights and fundamental freedoms, faith in our democracy and its institutions, and a commitment to creating a fair and diverse society. This goal cannot be achieved without a dramatic reorganisation of the United States’ cyberspace responsibilities, roles, and resources.
VISION- AIM
A more planned, organised, and well-resourced strategy to cyber protection is necessary for today’s rapidly developing world. State and non-state actors alike are launching creative new initiatives to challenge the United States. New avenues for innovation are opening up as next-generation technologies attain maturity and digital interdependencies are expanding. Thus, this Plan lays forth a plan to counter these dangers and protect the digital future. Putting it into effect can safeguard spending on things like infrastructure, clean energy, and the re-shoring of American industry.
The USA will create its digital environment by:
- Defensible if the cyber defence is comparatively easier, more effective, cheaper
- Resilient, where the impacts of cyberattacks and operator mistakes are lasting and little widespread.
- Values-aligned, where our most cherished values shape—and are in turn reinforced by— our digital world.
Already, the National Security Strategy, Executive Order 14028 (Improving the Nation’s Cybersecurity), National Security Memorandum 5 (Improving Cybersecurity for Critical Infrastructure Control Systems), M-22-09 (Moving the U.S. Government Toward Zero-Trust Cybersecurity Principles), and National Security Memorandum 10 (Improving Cybersecurity for Federal Information Systems) have all been issued to help secure cyberspace and our digital ecosystem (Promoting United States Leadership in Quantum Computing While Mitigating Risks to Vulnerable Cryptographic Systems). The Strategy builds upon previous efforts by acknowledging that the Internet serves not as an end in itself but as a means to a goal—the achievement of our highest ideals.
There are five key points that constitute the National Cybersecurity Strategy:
1. Defend Critical Infrastructure –
Defend critical infrastructure by, among other things: i) enacting cybersecurity regulations to secure essential infrastructure; (ii) boosting public-private sector collaboration; (iii) integrating federal cybersecurity centres; (iv) updating federal incident response plans and processes; and (v) modernising federal systems in accordance with zero trust principles.
2. Disrupt and Dismantle Threat Actors
Disrupt and dismantle threat actors, including by i) integrating military, diplomatic, information, financial, intelligence, and law enforcement competence, (ii) strengthening public-private sector collaborations, (iii) increasing the speed and scale of intelligence sharing and victim information, (iv) preventing the abuse of U.S.-based infrastructure, and (v) increasing disruption campaigns and other endeavours against ransomware operators;
3. Shape Market Forces to Drive Security and Resilience
The federal government can help shape market forces that drive security and resilience by doing the following: i) supporting legislative efforts to limit organisations’ ability to collect, use, transfer, and maintain personal information and providing strong protections for sensitive data (such as geolocation and health data), (ii) boosting IoT device security via federal research, development, sourcing, risk management efforts, and IoT security labelling programs, and (iii) instituting legislation establishing standards for the security of IoT devices. (iv) strengthening cybersecurity contract standards with government suppliers, (v) studying a federal cyber insurance framework, and (vi) using federal grants and other incentives to invest in efforts to secure critical infrastructure.
4. Invest in a Resilient Future
Invest in a resilient future by doing things like i) securing the Internet’s underlying infrastructure, (ii) funding federal cybersecurity R&D in areas like artificial intelligence, cloud computing, telecommunications, and data analytics used in critical infrastructure, (iii) migrating vulnerable public networks and systems to quantum-resistant cryptography-based environments, and (iv) investing hardware and software systems that strengthen the resiliency, safety, and security of these areas, (v) enhancing and expanding the nation’s cyber workforce; and (vi) investing in verifiable, strong digital identity solutions that promote security, interoperability, and accessibility.
5. Forge International Partnerships to Pursue Shared Goals
The United States should work with other countries to advance common interests, such as i) forming international coalitions to counter threats to the digital ecosystem; (ii) increasing the scope of U.S. assistance to allies and partners in strengthening cybersecurity; (iii) forming international coalitions to reinforce global norms of responsible state behaviour; and (v) securing global supply chains for information, communications, and operational technologies.
Conclusion:
The Strategy results from months of work by the Office of the National Cyber Director (“ONCD”), the primary cybersecurity policy and strategy advisor to President Biden and coordinates cybersecurity engagement with business and international partners. The National Security Council will oversee the Strategy’s implementation through ONCD and the Office of Management and Budget.
In conclusion, we can say that the National Cybersecurity Plan of the Biden administration lays out an ambitious goal for American cybersecurity that is to be accomplished by the end of the decade. The administration aims to shift tasks and responsibilities to those organisations in the best position to safeguard systems and software and to encourage incentives for long-term investment in cybersecurity to build a more cyber-secure future.
It is impossible to assess the cyber strategy in a vacuum. It’s critical to consider the previous efforts and acknowledge the ones that still need to be made. The implementation specifics for several aspects of the approach are left up to a yet-to-be-written plan.
Given these difficulties, it would be simple to voice some pessimism at this stage regarding the next effort that will be required. Yet, the Biden administration has established a vision for cybersecurity oriented towards the future, with novel projects that could fundamentally alter how the United States handles and maintains cybersecurity. The Biden administration raised the bar for cybersecurity by outlining this robust plan, which will be challenging for succeeding administrations to let go. Also, it has alerted Congress to areas where it will need to act.
References:
- https://www.whitehouse.gov/briefing-room/statements-releases/2023/03/02/fact-sheet-biden-harris-administration-announces-national-cybersecurity-strategy/
- https://www.huntonprivacyblog.com/2023/03/02/white-house-releases-national-cybersecurity-strategy/
- https://www.lawfareblog.com/biden-harris-administration-releases-new-national-cybersecurity-strategy

Introduction
The rise in start-up culture, increasing investments, and technological breakthroughs are being encouraged alongside innovations and the incorporation of generative Artificial Intelligence elements. Witnessing the growing focus on human-centred AI, its potential to transform industries like education remains undeniable. Enhancing experiences and inculcating new ways of learning, there is much to be explored. Recently, a Delhi-based non-profit called Rocket Learning, in collaboration with Google.org, launched Appu- a personalised AI educational tool providing a multilingual and conversational learning experience for kids between 3 and 6.
AI Appu
Developed in 6 months, along with the help of dedicated Google.org fellows, interactive Appu has resonated with those the founders call “super-users,” i.e. parents and caregivers. Instead of redirecting students to standard content and instructional videos, it operates on the idea of conversational learning, one equally important for children in the targeted age bracket. Designed in the form of an elephant, Appu is supposed to be a personalised tutor, helping both children and parents understand concepts through dialogue. AI enables the generation of different explanations in case of doubt, aiding in understanding. If children were to answer in mixed languages instead of one complete sentence in a single language (eg, Hindi and English), the AI would still consider it as a response. The AI lessons are two minutes long and are inculcated with real-world examples. The emphasis on interactive and fun learning of concepts through innovation enhances the learning experience. Currently only available in Hindi, it is being worked on to include 20 other languages such as Punjabi and Marathi.
UNESCO, AI, and Education
It is important to note that such innovations also find encouragement in UNESCO’s mandate as AI in education contributes to achieving the 2030 Agenda of Sustainable Development Goals (here; SDG 4- focusing on quality education). Within the ambit of the Beijing Consensus held in 2019, UNESCO encourages a human-centred approach to AI, and has also developed the “Artificial Intelligence and Education: Guidance for Policymakers” aiming towards understanding its potential and opportunities in education as well as the core competencies it needs to work on. Another publication was launched during one of the flagship events of UNESCO- (Digital Learning Week, 2024) - AI competency frameworks for both, students and teachers which provide a roadmap for assessing the potential and risks of AI, each covering common aspects such as AI ethics, and human-centred mindset and even certain distinct options such as AI system design for students and AI pedagogy for teachers.
Potential Challenges
While AI holds immense promise in education, innovation with regard to learning is contentious as several risks must be carefully managed. Depending on the innovation, AI’s struggle with multitasking beyond the classroom, such as administrative duties and tedious grading, which require highly detailed role descriptions could prove to be a challenge. This can become exhausting for developers managing innovative AI systems, as they would have to fit various responses owing to the inherent nature of AI needing to be trained to produce output. Security concerns are another major issue, as data breaches could compromise sensitive student information. Implementation costs also present challenges, as access to AI-driven tools depends on financial resources. Furthermore, AI-driven personalised learning, while beneficial, may inadvertently reduce student motivation, also compromising students' soft skills, such as teamwork and communication, which are crucial for real-world success. These risks highlight the need for a balanced approach to AI integration in education.
Conclusion
Innovations related to education, especially the ones that focus on a human-centred AI approach, have immense potential in not only enhancing learning experiences but also reshaping how knowledge is accessed, understood, and applied. Untapped potential using other services is also encouraged in this sector. However, maintaining a balance between fostering intrigue and ensuring the inculcation of ethical and secure AI remains imperative.
References
- https://www.unesco.org/en/articles/what-you-need-know-about-unescos-new-ai-competency-frameworks-students-and-teachers?hub=32618
- https://www.unesco.org/en/digital-education/artificial-intelligence
- https://www.deccanherald.com/technology/google-backed-rocket-learning-launches-appu-an-ai-powered-tutor-for-kids-3455078
- https://indianexpress.com/article/technology/artificial-intelligence/how-this-google-backed-ai-tool-is-reshaping-education-appu-9896391/
- https://www.thehindu.com/business/ai-appu-to-tutor-children-in-india/article69354145.ece
- https://www.velvetech.com/blog/ai-in-education-risks-and-concerns/

In the pulsating heart of the digitized era, our world is rapidly morphing into a tightly knit network of interconnections. Concurrently, the vast expanse of the cyber realm continues to broaden at an unparalleled pace. As we, denizens of the Information Revolution, pioneer this challenging new frontier, a novel notion is steadily gaining traction as an essential instrument for tackling the multifaceted predicaments and hazards emanating from our escalating dependency on digital technology. This novel notion is cyber diplomacy.
Recently, a riveting discourse unraveling the continually evolving topography of cyber diplomacy unfolded on the podcast 'Patching the System.' Two distinguished personalities graced the conversation - Benedikt Wechsler, Switzerland's Ambassador for Digitization, and Kaja Ciglic, Senior Director of Digital Diplomacy at Microsoft. This thought-provoking dialogue provides a mesmerizing peek into the intricate maze of this freshly minted diplomatic domain - a landscape still in the process of carving out its rules against an ever-escalating high stakes backdrop.
Call for Robust International Norms
During their enlightening exchange, Wechsler and Ciglic shed light on the dire need of robust international norms and regulations in dynamic cyberspace. The drew comparison with well established norms governing maritime and airspace activities, suggesting a similar framework to maneuver the intricacies of the digital realm. The necessity of this mammoth task is accentuated by swift technological development and the unique nature of the internet where participation is diverse.
Their discourse also underscores the critical argument that cyberspace cannot be commoditized. It has evolved into critical infrastructure that demands collective supervision. Wechsler also advocated for collaboration and the importance of a united front composed of big tech giants and the government working in tandem for creation of a resilient and secured digital landscape.
Dual Edged Sword
Their conversation courageously plunged into the more sinister depths of the digital world and dissected the rising tide of cyberspace militarisation. Illustrative case point, recent cyber operations in Ukraine starkly underscore how malevolent elements have exploited digital tools to disastrous effect. Ciglic astutely pointed out the inherent dual nature of this scenario - while malignant entities will persistently manipulate technologies like AI, these identical tools can simultaneously serve as critical allies in reinforcing cyber defenses.
In finality, the dialogue unspools a potent call to arms. Both Wechsler and Ciglic fervently endorse the inception of a permanent body under the United Nations' purview specifically designed to tackle cyber-related quandaries. They also amplified the significance of an inclusive engagement process involving diverse stakeholders cutting across sectors - private entities, academia, civil society.
In India, this strategy is very practical. India has been making proactive investments in cybersecurity and digital resilience due to its rapidly developing digital ecosystem and strong IT industry. The government of the country, business executives, and academic institutions understand how strategically important it is to protect vital digital infrastructure and data. For example, India has seen a number of high-profile assaults on its vital infrastructure, like the Mumbai power outage in 2020, which emphasizes the necessity for extensive cybersecurity protections. The security components of the digital ecosystem have been given top priority by the Indian government's "Digital India" project, which aims to promote digital inclusion. This program has improved cybersecurity while simultaneously making great progress toward closing the nation's digital gap, especially in rural areas.
India's growing influence on global affairs and its prowess in the digital realm highlight how important it is to incorporate Indian viewpoints into the larger plan. By doing this, it guarantees a thorough and all-encompassing strategy that negotiates the intricacies of the Indian and global digital ecosystems. This strategy enhances cybersecurity at the national level and establishes India as a key global partner in the endeavor to make the internet a safer and more secure place for everyone. The whole community may benefit greatly from India's experiences and activities in combating cyber dangers and enhancing resilience in an increasingly interconnected world.
Conclusion
As we meticulously chart our trajectory across the cyber wilderness, the wisdom disseminated by Wechsler and Ciglic emerges as a priceless navigational aid. They inspire us to remember that while the gauntlet we face may be daunting, the opportunities unfurling before us are equally, if not more, monumental in their potential. By embracing a multi-faceted, synergistic approach, we set the stage for a shared journey towards a safer, resilient digital habitat.
The timeless words of Albert Einstein echo these sentiments: 'Technology advances could have made human life carefree and happy if the development of the organizing power of men [and women] had been able to keep pace with its technical advances.' As we grapple with the perplexities and burstiness of the digital age, let these words guide our collective endeavor as we strive to balance our organizing prowess with our rapid technological advancements.