Money & Technology

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

Illustration of a loan score gauge feeding a layered AI model, with a power button and a person badge standing for human override

RBI · Oct 15

AI in Indian Banks: What the RBI's FREE-AI Framework Asks For

The RBI's FREE-AI report set seven Sutras for AI in finance; a June 2026 draft adds AI disclosure and human override.

A message bubble with a suspicious link and an eye badge, beside three SIM cards, one marked with a cross.

Sanchar Saathi · Oct 15

Chakshu and Sanchar Saathi: Fraud Calls, SIMs, Lost Phones

The DoT portal for suspicious calls, SIMs in your name and stolen phones. Money already lost goes to 1930.

Illustration comparing a UPI Lite balance card with a phone making a regular UPI payment

UPI Lite · Oct 14

UPI Lite vs UPI: Limits, Offline Use and Safety

UPI Lite is a PIN-free balance for small payments. Here is how its limits and safeguards differ from UPI.

Illustration of a parent account delegating controlled UPI access to a child's phone

UPI Circle · Oct 14

UPI for Minors: How UPI Circle Delegation Works

UPI Circle can let a child pay from a parent's account within controls. Eligibility still depends on the app and bank.

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

Fintech & Payments

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A bank building, a phone with a lock and a consent toggle, and a statement with a bar chart, joined by arrows

Account Aggregator · Oct 12

Account Aggregator in India: How It Works, Safety and Consent

Account aggregators pass your financial data only with consent and cannot move money. How they work.

A payment card linked to a merchant storefront, illustrating merchant-only credit-card payments.

Fintech & Payments · Oct 8

RuPay Credit Cards on UPI: Where You Can Pay

Linking a RuPay card adds a credit payment option at eligible merchants.

Illustration of a phone chat with a verified tick, a large check mark, a leaflet and a graduation cap

SEBI · Oct 6

SEBI Opens an Official WhatsApp Channel and a Campus Literacy Scheme

SEBI's WhatsApp channel uses 1800 22 7575 and a verified blue tick; a new MUST scheme trains campus mentors.

Crypto

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Crypto law · Oct 13

Is Crypto Legal in India? What the Courts, FIU Rules and Parliament Say

No ban, no regulator: what the Supreme Court, PMLA rules and Parliament say about crypto's legal status in India.

Illustration of a phone taking a framed selfie, linked to icons for location, an identity card, a bank and a renewal cycle

Crypto KYC · Oct 11

Crypto KYC in India: What Exchanges Must Ask You For

Liveness selfie, location, penny drop and re-KYC: what FIU-IND's 2026 guidelines ask exchanges to check.

A phone wallet holding a rupee coin, with arrows to and from a merchant's QR code card.

Digital rupee · Oct 10

Digital Rupee (e₹): How Retail CBDC Wallets Work in India

How the RBI's e₹ wallet works, how it differs from UPI, which banks offer it and what programmable e₹ means.

AI & Work

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Illustration of an employee record passing through a locked filter into an AI chat window, where personal details appear masked as dots

DPDP Act · Oct 13

Using AI Tools at Work Under the DPDP Act: What Employers Must Check

The DPDP Act never mentions AI, but its duties on consent, vendors, accuracy and security shape how employers use AI.

Illustration of a trading screen with candlesticks and a model trend line, linked to a control panel with a large switch, a checklist and a person badge

SEBI · Oct 12

SEBI's AI/ML Guidelines: What Is Binding Now and What Is Still Draft

Regulation 16C already makes SEBI-regulated firms answer for their AI tools; the 2025 draft adds governance rules.

Illustration of a video frame showing a face, half drawn as pixels, with a label badge in the corner and a tag with a barcode attached to the frame

Deepfakes · Oct 11

Deepfake Labelling Under India's IT Rules: What Platforms Must Do

Labels, metadata, blocked categories and two-hour takedowns: what the 2026 IT Rules amendment asks of platforms.

Tech & Security

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A phone showing an unauthorised debit beside a three-stage timeline for reporting within three working days, four to seven days, or later.

Banking fraud · Oct 12

Unauthorised Electronic Banking Transaction Liability

RBI rules tie customer liability to the cause of the debit and how quickly it is reported.

A phone showing a rupee loan app, an arrow, and a directory list with one entry ticked under a magnifying glass

Loan apps · Oct 11

RBI-Approved Loan Apps: How to Check a Lending App in India

The RBI lists the loan apps that regulated lenders report. How to check an app and what the rules say.

Phone showing the Indian cyber fraud helpline 1930

cyber fraud · Oct 9

Cyber fraud complaint: call 1930 and report online

For financial cyber fraud in India, call 1930 quickly and complete the acknowledgement on cybercrime.gov.in.

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