Digital payment frauds aksar sirf technology ki wajah se nahi hote — kai baar human behaviour bhi iska ek bada reason hota hai.

In this video, Mr. Anuj Bhansali, VP Public Policy, PhonePe, explains three key factors that often lead to fraud: Greed, Ignorance, and Fear.

Cyber criminals inhi emotions ka fayda uthakar logon ko manipulate karte hain — kabhi quick money schemes, kabhi urgent payment requests, aur kabhi fake merchants ke through.

Experts ke mutabik, digital payment frauds broadly do categories mein dekhe jaate hain:
• Peer‑to‑Peer (P2P) – jahan scammers logon ko convince karke directly paise transfer karwa lete hain
• Peer‑to‑Merchant (P2M) – jahan fake merchants ya fraudulent sellers payment lene ke baad goods ya services deliver nahi karte

Awareness aur caution hi cyber fraud se bachne ka sabse effective tareeka hai.

Agar aap cyber fraud ka shikaar ho jayein, turant 1930 par call karein ya cybercrime.gov.in par report karein