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VOL. 12, ISSUE 9 (2025)
Exploring security enhancements in UPI Payments: An empirical study of measures and technologies
Authors
Dr. Krishna CP
Abstract
The Unified Payments Interface (UPI) in India has undergone significant
security enhancements to address the increasing volume of digital transactions
and mitigate emerging cyber threats. The National Payments Corporation of India
(NPCI) introduced several measures to bolster the security and efficiency of
UPI payments. These include capping daily balance checks to 50 per user per
app, limiting the viewing of linked bank accounts to 25 times daily, and
restricting the status checks of pending transactions to three attempts with a
90-second interval. Additionally, scheduled autopay transactions are now
processed during designated non-peak hours to reduce system load and prevent
fraud. To further enhance security, NPCI has implemented advanced encryption
standards, real-time transaction monitoring using AI tools, and multi-factor
authentication for high-value transactions. These initiatives aim to strengthen
user trust, ensure compliance with data protection regulations, and support the
scalability of India's digital payment ecosystem. This study aims to find the
awareness of respondents on UPI measures and technologies.
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Pages:107-112
How to cite this article:
Dr. Krishna CP "Exploring security enhancements in UPI Payments: An empirical study of measures and technologies". International Journal of Multidisciplinary Research and Development, Vol 12, Issue 9, 2025, Pages 107-112
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