Security Deep Dives

Longer explainers on cryptography, privacy and the bigger trends shaping security.

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The UPI Fraud Kill Chain: How Fake-APK Scams Defeat India's Payment Controls

UPI is protected by device binding, a UPI PIN, daily limits and NPCI's fraud engines — and fake-APK scams still drained ₹805 crore in FY26. This is the step-by-step kill chain of how a challan-APK beats each control, and the single defence that breaks each step.

Oct 16, 20266 min read