UPI Scams in India: How to Protect Yourself from Digital Fraud?
UPI ne digital payment ko aasan banaya, lekin saath hi scams bhi badh gaye hain. Nazar Ya! ki iss video mein janiye kaise aap apne aap ko UPI scams se bacha sakte hain!
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00:00A 24-year-old boy put up an ad to sell online air conditioners and got robbed of 50,000
00:15bucks.
00:16Using instant payments and deepfake tech, a 73-year-old man in Kerala was fined 40,000
00:23bucks.
00:24Deepfake personas like Anita Bachchan, Anushka Sharma, Ratan Tata, and even Sachin Tendulkar
00:31have been reported in recent times.
00:35According to an annual report by RBI in 2024, people lost Rs 1,400 crore due to digital payment
00:43frauds.
00:44Welcome to Tech Know by Nazariya, I am Ashish Chhatre and I am pretty sure that my majority
01:02audience is using UPI to save both their time and money.
01:08Well done.
01:09But in today's video, we will talk about the other side of the coin.
01:13We will talk about UPI scams.
01:16UPI, Unified Payment Interface, was introduced in 2016, which has turned small and big transactions
01:22into a snap of a finger.
01:25But as we are getting updated, so are thieves, robbers, and robbers.
01:31One wrong click of yours can make you bankrupt.
01:35All your sensitive data, including your bank details and personal information, can be
01:40seized by scammers.
01:42No, we don't intend to scare you.
01:46Believe us, it is very easy to escape these scammers.
01:49Actually, these people take advantage of your panic.
01:52So rule number one is, don't panic at all.
01:5624-year-old Abhishek Mishra made his ad on a digital platform to sell his AC online.
02:03After a while, a man calls him, who claims to be from the army.
02:09He even shares a fake ID to win his trust.
02:13Mishra believed him, and he shared his UPI ID on the instigation of this mysterious man.
02:19The commotion happened when after three attempts, his account was cut by Rs. 50,000.
02:25In fact, a situation was created where he shared his UPI pin instead of the OTP password.
02:32Please, if you are in overconfidence that it can never happen to me, then beware.
02:38In maximum cases, a pseudo-urgency is created so that a person can make a wrong decision in panic.
02:44So remember the first rule, I repeat, never ever panic.
02:49Recently, scammers have advanced further by using AI-powered voice cloning and deepfake.
02:55For example, take the case of a 73-year-old man from Kerala.
02:58He gets a distress call from an old friend.
03:01The face and voice of the person in the video call are exactly like his friend.
03:06He asked for Rs. 40,000 and that businessman transferred his UPI as a token of humanity.
03:12Sad, right?
03:14Let's get to know some common types of UPI scams.
03:183. Phishing Links
03:20You get a link in SMS or email, which looks genuine.
03:25But as soon as you click on it, scammers steal your login details.
03:302. Remote Access Scams
03:32You get a call and it is said that there is a problem in your account.
03:36A remote access app is installed from you, by which scammers hack your phone.
03:431. QR Code Scams
03:45This is the most common.
03:47You scan the QR code, but instead of receiving money, it is deducted from your account.
03:53I am adding a link in the description of this video for other scam techniques that scammers use.
03:59So do refer to it.
04:01Prevention is better than cure.
04:03How to be cautious?
04:05Now the question is how to avoid these scams?
04:09Friends, prevention is always better than cure.
04:12Never click on any link or QR code without thinking twice.
04:17Do not share your personal information or OTP with any caller, even if they claim to be your bank.
04:24Do not install any unauthorized app on your phone at anyone's behest.
04:28If you feel that something is going wrong, contact your bank immediately.
04:33Remember, scammers take advantage of your confusion and panic.
04:38So always stay alert.
04:40What to do if you are scammed?
04:42Assume that unfortunately you become a victim of these scams.
04:47So don't worry.
04:48First of all, report your bank and UPI provider.
04:52Most of the time, they can freeze the transaction if it is reported quickly.
04:56You can also call Cybercrime Helpline No. 1930 or Cybercrime.gov.in to file a report.
05:05Also, take screenshots of all the tracks from your phone and save them.
05:13The government is also taking steps against these scams.
05:16Reserve Bank of India has launched multiple initiatives in recent years.
05:21Such as Safe Banking Practices Campaigns and 24x7 Helpline Numbers.
05:27New Cybersecurity Laws are also being proposed, which can be even stricter in the coming days.
05:33Nazaria for a safer future.
05:35Friends, now let's talk about what UPI platforms and the government can do.
05:42In my opinion, implementation of real-time scam detection algorithms is very important.
05:48This can detect suspicious activities as before.
05:51And those who are not digitally educated should run awareness campaigns and educational drives for them.
05:59As a responsible citizen, you can inform your parents and colleagues.
06:04So please share this video in your circles who need it.
06:09Friends, that's all for today.
06:11One second, one second.
06:12Before skipping this section, like, share and subscribe to the video.
06:17Press the bell icon so that you don't miss such important videos.
06:21We are also present on Instagram and Facebook.
06:24You can follow us there too.
06:26I am Ashish Atre.
06:27I take your leave.
06:28I will meet you in the next video.
06:30Till then, stay alert and don't panic.