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Money & Technology

Original explanations and analysis of payments, crypto, AI and digital security. India in focus, the world in view.

Illustration of a phone listing electricity, water and other bills, linked through a central bill payment hub to several billers, one showing a confirmed payment
Bharat Connect ·

Bharat Connect: How Bill Payments Work Through BBPS

The network behind the Bill Payments button in your bank or UPI app, and what to do when a bill payment fails.

Illustration of a book, a song and a photograph feeding into an AI chip, with royalty payments in rupees flowing from a central collective back to creators
AI regulation ·

AI and Copyright in India: DPIIT's Pay-to-Train Proposal

DPIIT's working paper would let AI developers train on any lawfully accessed work and pay creators a share of revenue.

A search results panel with one phone-number result outlined and marked as blocked, linked by a dashed line to the back of a bank card with its printed helpline and a tick, illustrating why customer care numbers should come from the card or official app rather than a search engine.
customer care fraud ·

Fake Customer Care Number Fraud: How It Works and Where to Call

How fake helpline numbers in search results and social media lead to fraud, and where to find the genuine ones.

A digital artwork token card splitting along two dashed paths: one to a tax record marked with a tick, the other to a physical boxed item marked as excluded, illustrating which NFTs fall under India's virtual digital asset tax.
NFT ·

NFT Tax in India: When a Token Counts as a VDA

Most NFTs fall under India's 30% VDA tax. The exception is a token that legally transfers ownership of a physical asset.

Fintech & Payments ↗ Crypto ↗ AI & Work ↗ Tech & Security ↗

Fintech & Payments

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An income tax return form with a highlighted line being added, linked by an arrow to four rising bars and a rupee symbol, illustrating the ITR-U updated return and its additional tax bands.
ITR-U ·

ITR-U Updated Return: Who Can File and What It Costs

ITR-U can reopen an Indian tax return for up to 48 months, with additional tax rising from 25% to 70%.

A creator's phone video branching to two paths: an open book marked as permitted education and a rising price chart marked as blocked securities advice
SEBI ·

SEBI Finfluencer Rules: Advice, Education and Paid Ties

What SEBI's finfluencer rules mean for advice, education, return claims and regulated firms' commercial ties.

Illustration of an identity card linked by a dashed line to a blue central records database and on to a document marked with a tick, showing a KYC record retrieved and updated
re-KYC ·

Re-KYC and CKYC: When Banks Need Fresh Documents

What re-KYC updates, how CKYC reduces repeat paperwork, and when a bank may still need fresh documents.

Crypto

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A wrapped gift box linked to a crypto token and a bar chart with a dashed threshold line, illustrating when a gift of virtual digital assets becomes taxable in India
Crypto tax ·

Crypto Gift Tax in India: When a VDA Gift Is Taxed

Crypto from a relative is not taxed on receipt. From anyone else, it is once the year's gifted property tops ₹50,000.

Illustration of an RBI circular struck through, a court gavel and a report with a rupee coin, on a 2018 to 2025 timeline
RBI ·

RBI on Cryptocurrency: From the 2018 Ban to the CBDC Push

From the 2018 banking ban to the Supreme Court ruling and stablecoin warnings: what the RBI has said about crypto.

Illustration: chat messages promising rising returns lead to a phone app showing a profit chart with a locked withdrawal button, next to a coin with a warning badge
crypto scams ·

Crypto Scams in India: Fake Apps, Task Scams and Reporting

Task scams and fake investment apps often use crypto to move money out of India. How they work and how to report.

AI & Work

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A government advisory document pointing to a chatbot window that shows a warning pop-up with two buttons, illustrating labels and consent prompts for AI tools
MeitY ·

MeitY's AI Advisory of March 2024: What Platforms Were Told

Labels for unreliable AI models, consent pop-ups and deepfake metadata: what MeitY's 2024 advisory asked of platforms.

Three rising panels linked by a dotted path: a video lesson screen, a grid of data-labelling tiles with check marks, and a graduation cap on a stack of books
IndiaAI Mission ·

IndiaAI FutureSkills: Courses, Labs and Fellowships

What the free YUVA AI course, Data and AI Labs and IndiaAI fellowships offer, and which one fits you.

Illustration: scales of justice linked to a screen with a document and magnifying glass, and a microphone turning speech into lines of text
AI in judiciary ·

AI in Indian Courts: The Tools in Pilot and the Rules So Far

Two AI tools are in pilot for Indian judges and there is no national rulebook yet. What the government told Parliament.

Tech & Security

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Illustration of a laptop mirroring a phone screen, a phone with a blue remote cursor inside a dashed screen-capture frame, and a crossed-out Wi-Fi symbol for disconnecting
screen sharing fraud ·

Screen-Sharing App Fraud in India: Stop Remote Access

How remote-access scams expose bank and UPI details, what to stop first, and where to report financial fraud.

A phone with greyed-out signal bars and a cross, a replacement SIM card in front of the original, and a message bubble holding a four-digit one-time password
SIM swap ·

SIM Swap Fraud in India: Warning Signs and Action

If your phone suddenly loses service, check for an unauthorised SIM replacement and secure your bank and email accounts.

Illustration of a fingerprint card, a blue padlock and a payment terminal showing a blocked scan, linked by dashed lines
Aadhaar ·

Aadhaar Biometric Lock: How to Lock, Unlock and Why

Locking Aadhaar biometrics blocks fingerprint, iris and face checks until you unlock them, a guard against AePS fraud.

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