Introduction In 2025, a 57-year-old woman in Bengaluru was kept under constant video surveillance for 6 months by scammers claiming to be CBI/RBI/Cybercrime officials. In those 6 months, she was terrorized into making 187 separate bank transfers, draining ≈ ₹32 crore of her life savings.1 There is a clear uptick in cases. So RBI put out a discussion paper. Reading about it on news motivated this post. Reference: Discussion Paper on Exploring Safeguards in Digital Payments to Curb Frauds (April 2026)