Security and Privacy Advice for UPI Users in India
summary
Study analyzes UPI security using 26 semi-structured interviews and content analysis of 16 official sources, and reports UPI handled $2.57 trillion last year (85% of India’s digital payments) while one in five users faced a UPI-related attack since 2022. Findings: advice is scattered into six concrete categories, users skip advanced features, QR codes and PIN/OTP sharing cause most fraud, and official guidance rarely reaches people. Recommends banks and apps surface clear, actionable steps and promote device/app settings and reporting channels.
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chapters (6)
- 0:00UPI introduction and research
- 3:27Study method and advice types
- 5:12Six UPI safety categories
- 7:20User perceptions and behaviors
- 10:32Recommendations for users and UPI
- 12:42Summary and conclusion
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