Sainath did everything right.
He spotted a fraudulent UPI transaction.
He dialed ๐ญ๐ต๐ฏ๐ฌ immediately.
And yet, he lost his money.
๐ช๐ต๐? Because he was in the wrong state when he made the call.
Our ๐ป๐ฎ๐๐ถ๐ผ๐ป๐ฎ๐น ๐ฐ๐๐ฏ๐ฒ๐ฟ๐ฐ๐ฟ๐ถ๐บ๐ฒ ๐ต๐ฒ๐น๐ฝ๐น๐ถ๐ป๐ฒ, 1930, is designed to route calls based on GPS, not where the fraud occurred or where the victim banks. In a country where we crisscross state lines weekly, for work, weddings, or weekend trips, this is more than a flaw. ๐๐โ๐ ๐ฎ ๐๐๐๐๐ฒ๐บ๐ถ๐ฐ ๐ด๐ฎ๐ฝ.
In the first few minutes after fraud is detected, when funds are still in intermediary wallets, when IPs can be traced, and when accounts can be frozen, coordination between law enforcement, banks, and platforms is everything.
Yet state boundaries and data silos are costing victims their money and their faith in digital systems.ย ๐๐ฒ๐ฟ๐ฒโ๐ ๐๐ต๐ฒ ๐ฝ๐ฎ๐ฟ๐ฎ๐ฑ๐ผ๐ :
-Over โน๐ฐ,๐ฏ๐ด๐ฒ crore saved through the current setup.
-But countless victims, like Sainath, still fall through the cracks.
-If cybercrime doesnโt respect borders, why should our response systems?
India has built one of the most solid digital payment infrastructures in the world. Itโs time we match that with an equally seamless, national, real-time fraud response network, one that empowers victims no matter where they are.
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