Whalesbook
Fraud Rokne Ke Chakkar Mein Hua Kya?
Dekho, India mein jo digital payments ka scene hai na, woh bohot tezi se badh raha hai aur ₹10 trillion tak pahunchne wala hai 2026 tak. Par iske saath hi cybercrime se hone wala nuksaan bhi badh gaya hai, jo 2025 mein ₹22,495 crore tak pahunch gaya tha aur 24% badh gaya hai.
Ab government ne isko rokne ke liye ekdum kadak kadam uthaya hai. Kai saare accounts ko 'risk' dikhne par seedha freeze kar diya ja raha hai. Yeh sab 'mule accounts' ko pakadne ke liye ho raha hai, par iska nuksaan un logon ko ho raha hai jinka paisa bilkul genuine business mein laga hai. Ab account holders ko hi proof dena pad raha hai, jis se businesses mein chaos mach gaya hai.
Asli Business Walon Ki Pareshani
Yeh sab itna serious hai ki ek nursery owner, Ajay Arora, ka ₹1 lakh wala account 14 mahine se freeze pada hai, sirf ₹150 ke ek transaction ke chakkar mein jo kisi fraud se link ho gaya tha. Jab aise accounts seedha freeze ho jaate hain, toh business ruk jaate hain, cash flow band ho jata hai aur loan default bhi ho sakte hain. Problem ye hai ki fast transactions ke liye bane systems mein sahi procedures nahi hain, isliye asli businesses ko hi suffer karna pad raha hai.
Global AI vs. India Ka System
Worldwide, 90% banks fraud rokne ke liye AI use kar rahe hain. Par India ka apna AI tool, MuleHunter.AI, abhi bhi banking system mein fully integrate hone mein time lega, shayad 2028–2030 tak. Jabki UPI par March 2026 tak 13 billion monthly payments ho rahe hain, aur March 2026 mein lagbhag 22.6 billion UPI payments ho rahe the.
India ka fintech market, jo 2026 mein $51.30 billion ka tha aur 2031 tak lagbhag double hone wala hai, mein digital payments sabse bada segment hai. Par issi tezi ke saath, cybersecurity ka risk bhi badh raha hai.
RBI Kya Kar Raha Hai?
RBI bhi kuch kadam utha raha hai, jaise ki bade digital payments ke liye ek ghante ka delay aur kuch users ke liye strong authentication. Lekin ye sab 'mule accounts' ko pakadne ke liye hai. Draft amendments bhi aa rahe hain jo July 1, 2026 se lagu honge. Fraudsters ab AI ka use karke aur bhi advanced scams kar rahe hain, jinhe old security systems pakad nahi pa rahe.
Aage Ka Raasta
Digital India ko grow karne ke liye, fraud rokna aur businesses ko chalana, dono balance karna hoga. RBI rules update kar raha hai par AI ko fully implement karne mein time aur paisa lagega. Jab tak aisa nahi hota, asli users ko hi is system ke saath struggle karna padega jo modern financial crime se piche reh raha hai.