In Money Heists, Bad Guys Are Adaptive. So Must Be Good Guys

Apr 30, 2026 | 22:27 IST

RBI has proposed sound safeguards for digital payments. But if these are to work, real-time intelligence infrastructure has to provide the real judgement, with static rules serving as backstops

RBI’s new discussion paper on “safeguards in digital payments” is a welcome attempt to address Authorised Push Payment (APP) fraud – scams where customers, under pressure or deception, authorise payments that rob them.

TOI

TOI

In Money Heists, Bad Guys Are Adaptive. So Must Be Good Guys

RBI has proposed sound safeguards for digital payments. But if these are to work, real-time intelligence infrastructure has to provide the real judgement, with static rules serving as backstops

{{{h1}}}

{{{h1}}}

{{{h3}}}

{{{offerprice}}}

{{{h3}}}

{{{offerprice}}}

{{{h1}}}

{{{h1}}}

{{{h1}}}

{{h2}}

{{{h1}}}

{{h2}}

{{{h1}}}

{{h2}}

Your Privacy is Important to us

Opt out of the sale or sharing of personal information

TOI

In Money Heists, Bad Guys Are Adaptive. So Must Be Good Guys

RBI has proposed sound safeguards for digital payments. But if these are to work, real-time intelligence infrastructure has to provide the real judgement, with static rules serving as backstops

{{{h1}}}

{{{h1}}}

{{{h3}}}

{{{offerprice}}}

{{{h3}}}

{{{offerprice}}}

{{{h1}}}

{{{h1}}}

{{{h1}}}

{{h2}}

{{{h1}}}

{{h2}}

{{{h1}}}

{{h2}}