Domestic UPI Frauds: Finance Ministry Presented Data in LokSabha
Introduction
According to the Finance Ministry's data, the incidence of domestic Unified Payment Interface (UPI) fraud rose by 85% in FY 2023-24 compared to FY 2022-23. Further, as of September of FY 2024-25, 6.32 lakh fraud cases had been already reported, amounting to Rs 485 crore. The data was shared on 25th November 2024, by the Finance Ministry in response to a question in Lok Sabha’s winter session about the fraud in UPI transactions during the past three fiscal years.
Statistics

UPI Frauds and Government's Countermeasures
On the query as to measures taken by the government for safe and secure UPI transactions and prevention of fraud in the transactions, the ministry has highlighted the measures as follows:
- The Reserve Bank of India (RBI) has launched the Central Payment Fraud Information Registry (CPFIR), a web-based tool for reporting payment-related frauds, operational since March 2020, and it requires requiring all Regulated Entities (RE) to report payment-related frauds to the said CPFIR.
- The Government, RBI, and National Payments Corporation of India (NPCI) have implemented various measures to prevent payment-related frauds, including UPI transaction frauds. These include device binding, two-factor authentication through PIN, daily transaction limits, and limits on use cases.
- Further, NPCI offers a fraud monitoring solution for banks, enabling them to alert and decline transactions using AI/ML models. RBI and banks are also promoting awareness through SMS, radio, and publicity on 'cyber-crime prevention'.
- The Ministry of Home Affairs has launched a National Cybercrime Reporting Portal (NCRP) (www.cybercrime.gov.in) and a National Cybercrime Helpline Number 1930 to help citizens report cyber incidents, including financial fraud. Customers can also report fraud on the official websites of their bank or bank branches.
- The Department of Telecommunications has introduced the Digital Intelligence Platform (DIP) and 'Chakshu' facility on the Sanchar Saathi portal, enabling citizens to report suspected fraud messages via call, SMS, or WhatsApp.
Conclusion
UPI is India's most popular digital payment method. As of June 2024, there are around 350 million active users of the UPI in India. The Indian Cyber Crime Coordination Centre (I4C) report indicates that ‘Online Financial Fraud’, a cyber crime category under NCRP, is the most prevalent among others. The rise of financial fraud, particularly UPI fraud is cause for alarm, the scammers use sophisticated strategies to deceive victims. It is high time for netizens to exercise caution and care with their personal and financial information, stay aware of common tactics used by fraudsters, and adhere to best security practices for secure transactions and the safe use of UPI services.
References
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Introduction
Cybercrimes have been traversing peripheries and growing at a fast pace. Cybercrime is known to be an offensive action that either targets or operates through a computer, a computer network or a networked device, according to Kaspersky. In the “Era of globalisation” and a “Digitally coalesced world”, there has been an increase in International cybercrime. Cybercrime could be for personal or political objectives. Nevertheless, Cybercrime aims to sabotage networks for motives other than gain and be carried out either by organisations or individuals. Some of the cybercriminals have no national boundaries and are considered a global threat. They are likewise inordinately technically adept and operate avant-garde strategies.
The 2023 Global Risk Report points to exacerbating geopolitical apprehensions that have increased the advanced persistent threats (APTs), which are evolving globally as they are ubiquitous. Christine Lagarde, the president of the European Central Bank and former head of the International Monetary Fund (IMF), in 2020 cautioned that a cyber attack could lead to a severe economic predicament. Contemporary technologies and hazardous players have grown at an exceptional gait over the last few decades. Also, cybercrime has heightened on the agenda of nation-states, establishments and global organisations, as per the World Economic Forum (WEF).
The Role of the United Nations Ad Hoc Committee
In two shakes, the United Nations (UN) has a major initiative to develop a new and more inclusive approach to addressing cybercrime and is presently negotiating a new convention on cybercrime. The following convention seeks to enhance global collaboration in the combat against cybercrime. The UN has a central initiative to develop a unique and more inclusive strategy for addressing cybercrime. The UN passed resolution 74/247, which designated an open-ended ad hoc committee (AHC) in December 2019 entrusted with setting a broad global convention on countering the use of information and Communication Technologies (ICTs) for illicit pursuits.
The Cybercrime treaty, if adopted by the UN General Assembly (UNGA) would be the foremost imperative UN mechanism on a cyber point. The treaty could further become a crucial international legal framework for global collaboration on arraigning cyber criminals, precluding and investigating cybercrime. There have correspondingly been numerous other national and international measures to counter the criminal use of ICTs. However, the UN treaty is intended to tackle cybercrime and enhance partnership and coordination between states. The negotiations of the Ad Hoc Committee with the member states will be completed by early 2024 to further adopt the treaty during the UNGA in September 2024.
However, the following treaty is said to be complex. Some countries endorse a treaty that criminalises cyber-dependent offences and a comprehensive spectrum of cyber-enabled crimes. The proposals of Russia, Belarus, China, Nicaragua and Cuba have included highly controversial recommendations. Nevertheless, India has backed for criminalising crimes associated with ‘cyber terrorism’ and the suggestions of India to the UN Ad Hoc committee are in string with its regulatory strategy in the country. Similarly, the US, Japan, the UK, European Union (EU) member states and Australia want to include core cyber-dependent crimes.
Nonetheless, though a new treaty could become a practical instrument in the international step against cybercrime, it must conform to existing global agencies and networks that occupy similar areas. This convention will further supplement the "Budapest Cybercrime Convention" on cybercrime that materialised in the 1990s and was signed in Budapest in the year 2001.
Conclusion
According to Cyber Security Ventures, global cybercrime is expected to increase by 15 per cent per year over the next five years, reaching USD 10.5 trillion annually by 2025, up from USD 3 trillion in 2015. The UN cybercrime convention aims to be more global. That being the case, next-generation tools should have state-of-the-art technology to deal with new cyber crimes and cyber warfare. The global crevasse in nation-states due to cybercrime is beyond calculation. It could lead to a great cataclysm in the global economy and threaten the political interest of the countries on that account. It is crucial for global governments and international organisations. It is necessary to strengthen the collaboration between establishments (public and private) and law enforcement mechanisms. An “appropriately designed policy” is henceforward the need of the hour.
References
- https://www.kaspersky.co.in/resource-center/threats/what-is-cybercrime
- https://www.cyberpeace.org/
- https://www.interpol.int/en/Crimes/Cybercrime
- https://www.bizzbuzz.news/bizz-talk/ransomware-attacks-on-startups-msmes-on-the-rise-in-india-cyberpeace-foundation-1261320
- https://www.financialexpress.com/business/digital-transformation-cyberpeace-foundation-receives-4-million-google-org-grant-3282515/
- https://www.chathamhouse.org/2023/08/what-un-cybercrime-treaty-and-why-does-it-matter
- https://www.weforum.org/agenda/2023/01/global-rules-crack-down-cybercrime/
- https://www.weforum.org/publications/global-risks-report-2023/
- https://www.imf.org/external/pubs/ft/fandd/2021/03/global-cyber-threat-to-financial-systems-maurer.htm
- https://www.eff.org/issues/un-cybercrime-treaty#:~:text=The%20United%20Nations%20is%20currently,of%20billions%20of%20people%20worldwide.
- https://cybersecurityventures.com/hackerpocalypse-cybercrime-report-2016/
- https://www.coe.int/en/web/cybercrime/the-budapest-convention
- https://economictimes.indiatimes.com/tech/technology/counter-use-of-technology-for-cybercrime-india-tells-un-ad-hoc-group/articleshow/92237908.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst
- https://consultation.dpmc.govt.nz/un-cybercrime-convention/principlesandobjectives/supporting_documents/Background.pdf
- https://unric.org/en/a-un-treaty-on-cybercrime-en-route/

Introduction
In the era of the internet where everything is accessible at your fingertip, a disturbing trend is on the rise- over 90% of websites containing child abuse material now have self-generated images, obtained from victims as young as three years old. A shocking revelation, shared by the (IWF) internet watch foundation, The findings of the IWF have caused concern about the increasing exploitation of children below the age of 10. The alarming trend highlights the increasing exploitation of children under the age of 10, who are coerced, blackmailed, tricked, or groomed into participating in explicit acts online. The IWF's data for 2023 reveals a record-breaking 275,655 websites hosting child sexual abuse material, with 92% of them containing such "self-generated" content.
Disturbing Tactics Shift
Disturbing numbers came that, highlight a distressing truth. In 2023, 275,655 websites were discovered to hold child sexual abuse content, reaching a new record and reflecting an alarming 8% increase over the previous year. What's more concerning is that 92% of these websites had photos or videos generated by the website itself. Surprisingly, 107,615 of these websites had content involving children under the age of ten, with 2,500 explicitly featuring youngsters aged three to six.
Profound worries
Deep concern about the rising incidence of images taken by extortion or coercion from elementary school-aged youngsters. This footage is currently being distributed on very graphic and specialised websites devoted to child sexual assault. The process begins in a child's bedroom with the use of a camera and includes the exchange, dissemination, and gathering of explicit content by devoted and determined persons who engage in sexual exploitation. These criminals are ruthless. The materials are being circulated via mail, instant messaging, chat rooms, and social media platforms, (WhatsApp, Telegram, Skype, etc.)
Live Streaming of such material involves real-time broadcast which again is a major concern as the nature of the internet is borderless the access to such material is international, national, and regional, which even makes it difficult to get the predators and convict them. With the growth, it has become easy for predators to generate “self-generated “images or videos.
Financial Exploitation in the Shadows: The Alarming Rise of Sextortion
Looking at the statistics globally there have been studies that show an extremely shocking pattern known as “sextortion”, in which adolescents are targeted for extortion and forced to pay money under the threat of exposing images to their families or relatives and friends or on social media. The offender's goal is to obtain sexual gratification.
The financial variation of sextortion takes a darker turn, with criminals luring kids into making sexual content and then extorting them for money. They threaten to reveal the incriminating content unless their cash demands, which are frequently made in the form of gift cards, mobile payment services, wire transfers, or cryptocurrencies, are satisfied. In this situation, the predators are primarily driven by money gain, but the psychological impact on their victims is as terrible. A shocking case was highlighted where an 18-year-old was landed in jail for blackmailing a young girl, sending indecent images and videos to threaten her via Snapchat. The offender was pleaded guilty.
The Question on Security?
The introduction of end-to-end encryption in platforms like Facebook Messenger has triggered concerns within law enforcement agencies. While enhancing user privacy, critics argue that it may inadvertently facilitate criminal activities, particularly the exploitation of vulnerable individuals. The alignment with other encrypted services is seen as a potential challenge, making it harder to detect and investigate crimes, thus raising questions about finding a balance between privacy and public safety.
One of the major concerns in the online safety of children is the implementation of encryption by asserting that it enhances the security of individuals, particularly children, by safeguarding them from hackers, scammers, and criminals. They underscored their dedication to enforcing safety protocols, such as prohibiting adults from texting teenagers who do not follow them and employing technology to detect and counteract bad conduct.
These distressing revelations highlight the urgent need for comprehensive action to protect our society's most vulnerable citizens i.e., children, youngsters, and adolescents throughout the era of digital progress. As experts and politicians grapple with these troubling trends, the need for action to safeguard kids online becomes increasingly urgent.
Role of Technology in Combating Online Exploitation
With the rise of technology, there has been a rise in online child abuse, technology also serves as a powerful tool to combat it. The advanced algorithms and use of Artificial intelligence tools can be used to disseminate ‘self-generated’ images. Additional tech companies can collaborate and develop some effective solutions to safeguard every child and individual.
Role of law enforcement agencies
Child abuse knows no borders, and addressing the issues requires legal intervention at all levels. National, regional, and international law enforcement agencies investigate online child sexual exploitation and abuse and cooperate in the investigation of these cybercrimes, Various investigating agencies need to have mutual legal assistance and extradition, bilateral, and multilateral conventions to conduct to identify, investigate, and prosecute perpetrators of online child sexual exploitation and abuse. Apart from this cooperation between private and government agencies is important, sharing the database of perpetrators can help the agencies to get them caught.
How do you safeguard your children?
Looking at the present scenario it has become a crucial part of protecting and safeguarding our children online against online child abuse here are some practical steps that can help in safeguarding your loved one.
- Open communication: Establish open communication with your children, make them feel comfortable, and share your experiences with them, make them understand what good internet surfing is and educate them about the possible risks without generating fear.
- Teach Online Safety: educate your children about the importance of privacy and the risks associated with it. Teach them strong privacy habits like not sharing any personal information with a stranger on any social media platform. Teach them to create some unique passwords and to make them aware not to click on any suspicious links or download files from unknown sources.
- Set boundaries: As a parent set rules and guidelines for internet usage, set time limits, and monitor their online activities without infringing their privacy. Monitor their social media platforms and discuss inappropriate behaviour or online harassment. As a parent take an interest in your children's online activities, websites, and apps inform them, and teach them online safety measures.
Conclusion
The predominance of self-generated' photos in online child abuse content necessitates immediate attention and coordinated action from governments, technology corporations, and society as a whole. As we negotiate the complicated environment of the digital age, we must be watchful, modify our techniques, and collaborate to defend the innocence of the most vulnerable among us. To combat online child exploitation, we must all work together to build a safer, more secure online environment for children all around the world.
References
- https://www.the420.in/over-90-of-websites-containing-child-abuse-feature-self-generated-images-warns-iwf/
- https://news.sky.com/story/self-generated-images-found-on-92-of-websites-containing-child-sexual-abuse-with-victims-as-young-as-three-13049628
- https://www.firstpost.com/world/russia-rejects-us-proposal-to-resume-talks-on-nuclear-arms-control-13630672.html
- https://www.news4hackers.com/iwf-warns-that-more-than-90-of-websites-contain-self-generated-child-abuse-images/

Introduction
As the world seemingly shrinks under the vast, ever-stretching canopy of the internet, the channels through which information flows are becoming increasingly enigmatic and tangled. In the digital world, the gulf between fact and fabrication narrows dramatically, with the veracity of information too often lost in the flood. Amidst the torrents of data, platforms like YouTube, a veritable Goliath in the video streaming sphere, are finding themselves at the forefront of a critical battle against the dark forces of fake news and disinformation—a war that is waged with the intensity of any historical conflict over truth and influence.
It is in this volatile theatre that Google's video behemoth, YouTube, under the scrutiny of the global eye, announces its strategic campaign to shield against the onslaught of misinformation. With India, the world's most populous democracy, on the cusp of its monumental general elections, the stakes could hardly be higher. YouTube's involvement thus evolves beyond corporate social responsibility—it becomes a crusade for the integrity of information, a paladin for the democratic process, and a protector of the public’s right to factual reporting.
The Campaign
The campaign envisioned by YouTube India's vanguard is multifaceted and robust, aimed at rooting out the insidious tendrils of fake news where they lie. At the heart of this mission are two pivotal strategies that form the backbone of YouTube's defense. Firstly, a rigorous misinformation policy, which heralds as a bastion against content designed with duplicitous intent. YouTube Indian Head Ishan Chatterjee elucidates, 'Our misinformation policies clearly state that if the content has been technically manipulated with the intent to deceive a user and there's a danger of real-world harm...we will act against that content.' It is an exhortation of YouTube's commitment to a culture of truth and an acknowledgement of the platform's influence and responsibility. This process, however, is more complex than it appears; it is tangled in socio-political nuances and demands an uncompromising vigilance to identify and dispel falsehoods.
Yet, this is merely the foundation upon which YouTube’s strategy rests. The second prong of their stratagem is even more ambitious—intending not only to eradicate the chaff of misinformation but also to till the soil with the seeds of verifiable, authoritative news content. This is an initiative to resuscitate the public's faith in digital information sources. By allying with credible news publishers and fostering a symbiosis with independent journalists, YouTube has taken up the mantle of an institution that not just police content, but cultivates it, transforming the barren desert of online falsehoods into an oasis of enlightenment.
News on YouTube is symbiotic with the larger consciousness of its users, driving content consumption and engaging millions who seek out current affairs, investigative reports, and in-depth analysis on the platform. The democratisation of news, once the hallowed ground of traditional broadcast and print media, now finds its theatre online. Chatterjee insightfully notes the ascending trend of news story engagement on YouTube Shorts and Connected TV (CTV)—two emergent platforms that have revolutionised content delivery and consumption. CTV, in particular, has skyrocketed in popularity within the past five years, boasting over 58 million viewers in India consuming YouTube content from the comfort of their living rooms as of June 2023, per analytics.
This phenomenon is acutely observed by YouTube's Director and Global Head of Responsibility, Tim Katz, who delineates a portrait of the Indian market's distinctive hunger for live content, particularly news, on CTV. Katz's observations carry an air of fascination, 'The other two things that have been exciting to see are that we've seen a lot of growth, particularly during sensitive moments, with large news stories occurring certainly during an election cycle, and we just see very large growth from many of our authoritative partners.'
The Implications of the Campaign
The tapestry of YouTube's news ecosystem is a rich mosaic of diversity, including independent journalists, broadcasters, legacy print publications, and digital-first media organisations. Katz underscores the gravity of nurturing such a broad and dynamic news environment on the platform, a gesture of YouTube's commitment to a holistic information landscape.
An illuminating report from the Google News Initiative, forged in cooperation with Kantar, reiterates the dominance of video as the consummate medium for news consumption across a spectrum of languages and formats in India. It paints a picture of a nation of insatiable news consumers, with nearly every second Indian language internet user engaging with news content, a substantial proportion hailing from urban locales. Of particular resonance is hyperlocal news, which plucks the chords of local interests and concerns, touching the lives of seven out of ten citizens.
Moreover, the economic impetus behind YouTube’s role in the media firmament is brought to light in the Oxford Economics Impact Report, revealing a staggering 70% of Indian media and music companies with a YouTube presence acknowledge the platform as a crucial revenue stream.
Conclusion
Poised upon the sharp edge of an electric election season—a season that will no doubt be drenched in a spectrum of information, both fact and fable—YouTube's convictions stand as a beacon of reliability. Their initiative is more than a method—it's a philosophy, a dedication to purifying the information sphere. In the digital epoch, where the battle lines for truth are drawn in bytes and bandwidth, YouTube’s rallying cry for responsibility, its vow to safeguard democratic ideals, and its unyielding commitment to illuminating the corridors of knowledge are more than strategies; they are pillars on which a well-informed, engaged, and enlightened citizenry can lean.