Whalesbook
Apne paison ko gawane wale logon ki kahaniyan sunkar hi dil dukhta hai. Jaise Pratima Singh ne phishing link se ₹10,000 gawaye, toh Kavya Sharma ek dhokebaaz refund scam mein ₹45,000 de baithi. Ek media professional ne online kuch bechte hue ₹30,000 kho diye, aur Niharika ne online sharab mangate hue ₹80,000 lootwa liye. Yeh sirf kuch cases hain, aise hazaaron log har saal iske shikaar ho rahe hain. Sirf Delhi mein, 2023 se 2025 tak, digital fraud aur online cheating mein lagbhag ₹1,716.6 crore ka nuksaan hua, jismein se sirf 10% yaani ₹174.8 crore hi wapas mil paaye. Poore India mein, 2024 mein digital fraud losses 206% badh gaye aur ₹22,842 crore se zyada ho gaye, aur 20 lakh se zyada cases report hue. Hamare pyaare UPI, jo sabse zyada use hota hai, usmein bhi FY2024-25 mein ₹981 crore aur FY2023-24 mein ₹1,087 crore ke frauds hue.
Yaar, yeh UPI aur digital payments ka jo boom chal raha hai, sab transactions ₹24.03 lakh crore ko paar kar gaye June 2025 mein akele, ismein vulnerabilities bhi bahut aa gayi hain. Scamsters ab sirf OTP poochne tak nahi ruk rahe, woh toh advanced hacks jaise RATs (remote access trojans) aur fake apps use karke security ko bypass kar dete hain. Banks aksar users ko hi blame karti hain ki sensitive details share ki, par yeh advanced scams ko nazarandaaz kar dete hain.
Is situation ko dekh kar RBI aur judiciary ne bhi banks par dabav banana shuru kar diya hai. RBI ne kuch naye guidelines draft kiye hain jismein chote frauds ke victims ko compensation mil sakta hai, bhale hi unki thodi galti ho. Iske hisaab se, agar kisi ka ₹50,000 tak ka nuksaan hua hai, toh use 85% ya ₹25,000 (jo bhi kam ho) tak ka relief mil sakta hai. Yeh policy thoda burden banks par bhi daalti hai jab system mein koi gadbadi ho. Supreme Court ne toh banks ki class li hai ki woh digital fraud cases ko kaise handle kar rahe hain, aur unki professionalism aur transaction monitoring par sawal uthaye hain. Justices ko toh yeh bhi lagta hai ki kahin banks ke log hi mili bhagat mein toh nahi hain ya phir laparwahi kar rahe hain. Finance Minister Nirmala Sitharaman bhi public sector banks ko baar-baar keh rahi hain ki cybersecurity strong karein, especially AI threats ko dekhte hue.
Ek aur badi problem yeh hai ki banks aur authorities aksar victim ko hi galat thera dete hain ki OTP share kar diya ya link pe click kar diya, jabki kai scams toh inke bina hi ho jate hain. Isse log complain karne se bhi darte hain aur system par trust kam ho jata hai. Investigation aur complaint resolution bhi itna slow hai ki paisa milna toh mushkil hi hai.
Supreme Court ne banks ke 'business mode' aur weak controls ko bhi point out kiya hai, jo anjane mein fraud ko support kar sakte hain. AI-driven monitoring aur risk management mein bhi bahut gap hai. 'Mule accounts' ka badhta use aur AI se banne wale deepfakes jaise naye threats future mein aur zyada danger la sakte hain. RBI ka proposed compensation bhi ek step hai, par yeh recurring frauds ya system ki core problems ko shayad puri tarah solve na kar paye. Sabse badi kami hai banks aur regulatory bodies ke beech real-time information sharing ki, jisse fraud prevention aur recovery mein dikkat aati hai. Aage jaakar, ab focus banks ki zimmedari badhane aur technology ko strong karne par hai. Aise mein vigilance, public awareness aur sakht regulatory action bahut zaroori hai.