Enabling Digital Payments in Rural India

1. Cash Less Society
- Digital Payments

2. Cash Less Society
a society in which purchases of goods or services are made by credit
card / electronic funds transferral / Digital Wallet rather than with cash

3.  Digital Footprints (Record mapping).
 Smaller wallets (easy to carry cards, instead of rupees and coins).
 Reduction in counting and accounting time.
 Reduction in the cost of producing/printing coins/notes.
 A healthy Financial Eco-system.
 Cash stolen / Can I borrow – statements will be disappeared.
 May have reward points on certain Digital transactions.
 Impossible to sustain the Black Market
 Criminal activity will be reduced: because it is risky to carry out criminal
transactions. Kashmir is an example, as no such activity like “patthar-baji”,
“danga” will be carried out.

4. Transactions
Credit / Debit Cards for the month of May
2017
2609.0
361406.8
2163917.8
375084.1
0.0
500000.0
1000000.0
1500000.0
2000000.0
2500000.0
ATM (in millions) PoS (in millions)
Transactions
Credit Cards Debit Cards
ATM (in
millions)
PoS (in
millions)
Credit
Cards 2609.0 361406.8
Debit Cards 2163917.8 375084.1
ATMS PoS
208476 2692986
https://rbi.org.in/scripts/ATMView.aspx

5. 0.0
50.0
100.0
150.0
200.0
250.0
RTGS NEFT CTS* IMPS* NACH* UPI* USSD** Debit and
Credit
Cards at
POS &
PPI # Mobile
Banking
Volume in Million for the month of May
2017
Series1
Volume in Million for the month of May 2017
RTGS NEFT CTS* IMPS* NACH* UPI* USSD**
Debit and
Credit
Cards at
POS &
PPI #
Mobile
Banking
10.4 155.8 97.1 66.7 194.4 9.2 192.6 233.4 91.3 64.9

6. stats
 Source – ACI Survey

8. Terms one should know
 Internet Banking
 RTGS : RealTime Gross Settlement
 National Electronics FundsTransfer System (NEFT)
 IMPS : Immediate Payment Services
 DigitalWallet
 Plastic Money
 OTP : One time Password

9. Terms to know
 Payer
 Payee
 Remitter Bank
 Beneficiary Bank
 NPCI
 BankAccount holders
 Merchants

10. Funds transfer services

11. Services

14.  C2C (Citizen to Citizen) –
 BHIM / UPI –app
 M-Wallets / Paytm
 AEPS
 Internet Banking (RTGS/NEFT)
 Cash
 Paperbased
• G2B (Government to Business)
• Internet Banking (RTGS/NEFT)
• PFMS
• Cash
• Cheque
• Paper based
• G2G (Government to Government)
• PFMS
• NEFT / RTGS
• Paper based
• C2G (Customer to Government) :
• Cash
• NEFT / RTGS
• Online portal
• PoS
• Mobile App
• IMPS
• Sugam / CSC Centres
• Demand Draft / Paper based / Challan
DigitalTransactions

15. USSD
*99#

16. Unstructured Supplementary Service Data (USSD)
*99# Facility

17. Generate MMID and MPIN
 SMS Banking : - SMS <MBSREG> to 9223440000/ 567676
 Customer will receive the User ID and default MPIN via SMS
on Mobile no.
 Change default M-PIN through any one of the chosen modes
(mobile banking application /WAP application / USSD/SMS /
ATM).
 Accepts the terms and conditions.

20. Cash less transactions using Feature Phones:
 Steps to operate :
 Dial *99#
(for regional language you may dial *99*22#)
 Type Bank Name
 Enter Beneficiary Mobile Number.
 Enter beneficiary MMID -(7 digit Mobile Money Identifier) / Bank IFSC and
Account number / Aadhaar Number
(you will get the same from the person you are sending the money)
 Enter amount and remarks (separated by space)
 Enter M-PIN to authorize the transaction and last 4 digits of your account
number (separated by space), and tap on send.
 Payment done.

22. Cash less transactions using Feature Phones:
 Problems :
 One have to prompt with in 10 seconds,
Otherwise the transaction fails.
 Number of time an error message is there:
External application down.
 Number should be registered with the bank.
 Daily Limit Rs. 5000/-

23. Cash less transactions using Feature Phones:
 Benefits :
 No charge
 No roaming charges
 Available in Regional Languages

24. Point of Sale
PoS

25. Plastic Money
 Access your funds 24/7 and make purchases at millions of locations worldwide as well
as to make online transaction.
 Can be used at :
 PoS : Point of Sale
 ATM : AutomatedTeller Machine
 Online transaction.
 Types :
 Debit Card : A payment card that deducts money directly from a consumer’s checking
account to pay for a purchase.
 Credit Card: A payment can be made using credit/deduct money from the A/C.

26. Plastic Money – Prons/Cons

27. Plastic Money – Prons/Cons

28. Plastic Money – Prons/Cons

29. Plastic Money – Prons/Cons

30. Plastic Money – Prons/Cons

31. Plastic Money – Prons/Cons
 Non-Acceptance at Small Retail Outlets
 Cannot be used for all daily needs
 Loss & Misuse
 Service Charges
 Damage to Card
 Impulsive Purchases / Overuse of card
 No connectivity

32. Plastic Money – Security alert
 Report a misplaced / stolen card
 Shhhhhh. Keep your pin secret
 Beware of phishing.

33. Plastic Money – Understand your debit card
 CVV :Card verification value
 7- Signature Panel

34. In last two years there is an increase in credit
and debit cards users by 25 and 42 percent
respectively
25
42
Credit Card Debit Card
AxisTitle
Axis Title
%AGE INCREASE
%age increase

35. PHYSICAL POS
Physical Card Swiping – PTSN
with landline / GPRS enabled
MPOS
Phone connected with external
POS device through jack /
Bluetooth
V-POS
Virtual E-payment Gateway
Types of PoS

36. PoS : During most of late 1980s and throughout the 90s, stand
alone credit card devices were developed and introduced.
 POS or PoS is an abbreviation for (or Point-of-
Sale, or ).
 The term Point of Sale is often used in connection or
relative with the . In
the case of some locations, with wireless capable
systems or network wired via TCP/IP.
 Term is applicable to a , the checkout/cashier
counter in the store, or a location where such transactions can
occur in this type of environment.
with electronic cash register systems, touch-screen
display, , receipt printers, scales and pole
displays.

37. Physical PoS
SWIPE A
DEBIT/CREDIT
CARD ON THE POS
MACHINE
1 2 ENTER AMOUNT
TO BE PAID AND
PIN
3 GENERATE
RECEIPT

38. Installation of Physical PoSTerminal
Open / identify current
account for transactions
1
3 Identify type of PoS
required (landline / GPRS)
2 Fill in the application form
(online / at the branch)
4 Submit following documents:
– Proof of business (any one)
• Shop & establishment registration certificate
• VAT certificate
• Sales tax
– Proof of address
– Photo identity proof of proprietor / partner
– Financial details
• Bank statement
• Income tax return
5 Acceptance of MDR by merchant
6 Execution of Merchant
Establishment Agreement

39. mPoS – Any GPRS-enabled touch screen mobile
phone could be converted into POS terminal
 a handheld portable device with the ability to carry out a transaction
as same as Physical PoS.
 Used to bridge the gap between POS systems and eCommerce
businesses
 Less Investment.
 Can be use alternatively.
 Affordable to repair or replace
- in a restaurant, a server could
generate the bill at the table itself.
- can used for Cash on Delivery.

40. Who is providing this service?
There are a number of mPOS
solutions providers in the
world, Infosys, Motorola, HP,
StellaNova, AccuPOS,
Harbortouch to name a few. In
India Mswipe,MRLpay and
Ezetap are prominent names
in this field. UK based
mPOWA recently forayed in
India.

41. How it works ???
The mobile device could be a tablet,
smartphone and even an iPod Touch. The
basic functioning involves scanning the
product’s barcode or manually entering the
transaction details into the device, swiping the
customer’s card, taking an electronic signature
and even generating a receipt with a portable
printer.

42. Note: mSwipe is used as an example of MPOS here
Mobile PoS

43. V-PoS
No PoS machine required
QR code used for payment to bank account
of merchant
Complete privacy of merchant bank account

44. Benefits
 Depending on the software features, retailers can
track pricing accuracy, inventory changes, gross
revenue and sales patterns. Using integrated
technology to track data helps retailers catch
discrepancies in pricing or cash flow that could
lead to profit loss or interrupt sales. POS systems
that monitor inventory and buying trends can help
retailers avoid customer service issues, such as
out-of-stock sales, and tailor purchasing and
marketing to consumer behavior.

45. Must DoPractices
• Register your mobile number at bank for regular information by SMS for every
transaction
• Transact at only trusted merchants
• Your Debit card PIN is highly sensitive and should NOT be shared.
• Make sure your PIN is not being observed by anyone while you enter it at the ATM or
while shopping.
• As a preventive measure change your PIN frequently.
• Memorise your PIN. Do not write it anywhere.
• Inform the caretaker / bank immediately in case you find any additional/ suspicious
/loose devices attached to the ATM.
• Press the “Cancel” button in case the ATM screen goes blank or the transaction is not
completed.
• Never forget your debit card at the ATM or billing counter after the transaction.
• Avoid entertaining or engaging in long conversation with strangers while transacting
at an ATM.

46. Aadhaar Enabled Payment System (AEPS)

47. Step: 2:
Select option :
• Cash withdraw
• Deposit Cash
• Pay
• Check Balance
• Mini Statement
Step: 1:
VisitAEPS
Step: 3:
Enter Aadhaar Number
and Location
Step: 4:
Scan Biometrics and
collect receipt.
• AEPS transactions happens to 23:00 hours each day
• The settlement is affected by NPCI’s RealTime Gross Settlement (RTGS)
Aadhaar Enabled Payment System (AEPS)

48. Digital / MobileWallets
M- money

49. M/D-Wallets
Mobile wallets are essentially digital versions of traditional
wallets that someone would carry in their pocket. They offer
payment services through which the individuals / business can
receive/ send money via mobile devices. While there are many
variations, usually they can hold digital information about
credit and debit cards for making payments, store coupons
and loyalty programmes, specific information about personal
identity and more.

50. E-Wallets
 Closed : Issued by an entity for facilitating the purchase of goods and services from it.
These instruments do not permit cash withdrawal or redemption. Hence, RBI approval
is not required for issuing them.
 Semi-Closed e-wallets : for purchase of goods and services, including financial
services at merchant locations/ establishments.These wallets do not permit cash
withdrawal or redemption by the holder.These may be recharged upto Rs.10,000/-
only. Eg: Paytm, Freecharge, Momoe, PayUMoney, Mobikwik, Citrus, State Bank
Buddy`, Citi MasterPass, ICICI Pockets, HDFC Chillr, LIME
 Open e-wallets: Used at POS [Point of sale ] terminals like funds transfer at any card
accepting merchant locations eg: E.g. M-Pesa is an open wallet run byVodafone in
partnership with ICICI Bank. Axis Bank’s e-WalletCard’, can used for making
payments on sites that acceptVisa cards, with a minimum limit of Rs 10, and a
maximum limit of Rs 50,000, and a validity of 48 hours.

51. E-Wallets
 Pre-paid:The wallet have to be recharged
during the transaction or it is to be
recharged earlier.
 Auto/digitalWallet: first register with the
wallet; enter your card details such as card
number, expiry date, CVV and address.This
information is further validated through
one-time password (OTP). Once registered,
you can buy directly with just entering your
OTP.

52. UsingWallets
CONSUME
R
DOWNLOA
DS THE
APP ON
SMARTPHO
NE
SIGN UP
USING
MOBILE
LOAD MONEY
USING DEBIT
CARD/CREDIT
CARD OF
NETBANKING
START
USING
WALLET
TO MAKE
PAYMENT
S
Consumer Wallet Limits: Rs.20,000/month for all. Rs.1 lakh/month with KYC
SHOPKEEP
ER
/SERVICE
PROVIDER
DOWNLOAD
S THE APP
SIGN UP
USING
MOBILE
SELF
DECLARE
ITSELF AS
A
MERCHAN
T
START
ACCEPTING
PAYMENT
Merchant Wallet Limits: Rs.50,000/month with Self Declaration. Rs.1 lakh/month with KYC
Basic Requirements to Start Using a Wallet: Bank Account, Smartphone, 2G/3G/4G Connection & A Free Wallet
App

56. UPI

57. Unified Payments Interface
 A system that powers multiple bank accounts into a
single mobile application
 seamless fund routing
 “Peer to Peer” collect request
 Launched on 11th April 2016 by Dr. Raghuram G
Rajan, Governor, RBI at Mumbai
 Transaction limit 1 L per transaction

58. Uniqueness
 Immediate money transfer
 Virtual address Payment (VPA) of the customer for
Pull & Push (no other details required).
mmahajan@upi
 Single mobile application for accessing different
bank accounts - Interoperable
 PUSH and PULL Payments + Scheduling

59. Uniqueness
 Raising Complaint from Mobile App directly.
 Single Click 2 Factor Authentication (Mobile number +
MPIN + App PIN+OTP)
 Utility Bill Payments, Over the Counter Payments,
Barcode/ QCode (Scan and Pay) based payments.
 No need to share your name, your bank account number,
IFSC code, or bank branch
 .No physical device like : debit card etc required

60. Download App
 For Smart Phones:
 GoTo GOOGLE PLAY STORE Or iStore & SearchWithThe Keyword “UPI”
 You Can DownloadYour Bank UPIApp Or Any One of the following UPI Apps
S. No. Bank Name Android APP Name
1 State Bank of India SBI Pay
2 Andhra Bank Andhra Bank ONE – UPI App
3 ICICI Bank a. UPI Collect (or)
4 Canara Bank Canara Bank UPI - Empower
5 United Bank of India United UPI
6 Punjab National Bank PNB UPI
7 South Indian Bank SIB M-Pay
8 Vijaya Bank Vijaya UPI
9 AXIS Bank Axis Pay UPI App
10 Union Bank of India Union Bank UPI App

61. Update profile and set UPI PIN

62. Push – Pay Money
•User log-in to UPI application
•After successful login, user selects the option of Send
Money / Payment
•User enters beneficiary’s / Payee virtual id, amount and
selects account to be debited
•User gets confirmation screen to review the payment details
and clicks on Confirm
•User now enters MPIN
•User gets successful or failure message

63. Pull- Requesting Money Bill Sharing with friends.

64. Pull- Requesting Money Bill Sharing with friends.
• User log-in to his bank’s UPI application
• After successful login, user selects the option of collect money (request for
payment)
• User enters remitters / payers virtual id, amount and account to be credited
• User gets confirmation screen to review the payment details and clicks on
confirm
• The payer will get the notification on his mobile for request money
• Payer now clicks on the notification and opens his banks UPI app where he
reviews payment request
• Payer then decides to click on accept or decline
• In case of accept payment, payer will enter MPIN to authorize the transaction
• Transaction complete, payer gets successful or decline transaction notification
• Payee / requester gets notification and SMS from bank for credit of his bank
account

65. Payment using QR Code
 QR Code : QR code consists of black modules arranged in a square
pattern on a white background. The information encoded can be
made up of four standardized kinds (“modes”) of data (numeric,
alphanumeric, byte/binary, Kanji-logographic), or by supported
extensions virtually any kind of data. QR codes can be used for
proximity payments with UPI .Developers who are developing
merchant applications must generate a URL fully compliant to
specification in previous section and then create a QR code of that
URL.

66. Add Accounts
 Go to profile
 Add Account
 Enter Bank details
 Confirm the details by input
the Debit Card details.
 Generate M-PIN
Generate M-PIN:
• User receives OTP from the Issuer bank on
his/her registered mobile number
• User now enters last 6 digits of Debit card
number and expiry date
• User enters OTP and enters his preferred
numeric MPIN (MPIN that he would like to
set) and clicks on Submit
• After clicking submit, customer gets
notification (successful or decline)
Change M-PIN
• User enters his old MPIN and preferred new
MPIN (MPIN that he would like to set) and
clicks on Submit
• After clicking submit, customer gets
notification (successful or failure)

67. Bharat Interface for Money

68. BHIM snap shot
- usingVPA

69. BHIM –snapshot
-using Mobile No.

70. BHIM –snapshot
-using A/C No. &
IFSC

71. BHIM –snapshot
-using Mobile No.

72. Collect Money

73. Notification and Pay after Pull Service

74. Internet Banking
IB

75. Internet Banking
 A banking system in which an individual/organization will perform the
transactions remotely by using login credentials.
 How to use
 Register with Bank; have your login credentials
 Boot a machine (Smartphone/Leaptop/ Desktop) ; connect with internet; open
banks portal and go to Online banking ; Enter Login credentials.
 Benefits:
 24*7*365 Banking
 Any place
 Customer Convenience (no need to stand on queue and wait)
 Beware from
 Malware/ Spyware in the machine.
 Sharing of login credentials
 Phishing

76. Snap shot

77. RTGS : RealTime Gross Settlement (for Funds
transfer)
 (The RTGS system is primarily meant for large value transactions.The minimum amount to be
remitted through RTGS is Rs 2 lakh.The maximum limit is Rs 10 lakh per day.)
 Average charges :
Amount above Rs 2 lakh upto Rs 5 lakh - Rs 25 + ServiceTax
Amount above Rs 5 lakh upto Rs 10 lakh - Rs 50 + ServiceTax
 Timings :
The beneficiary bank has to credit the beneficiary's account within 30 minutes of receiving the funds
transfer message.

78. NEFT: National Electronics FundsTransfer System
 Operates on a Deferred Net Settlement (DNS) basis which settles transactions in batches
(the settlement takes place with all transactions received till the particular cut-off time.)
 Average charges :
 For transactions up to ₹10,000 (not exceeding) : ₹2.50 (+ Service Tax)
 For transactions above ₹10,000 up to ₹1 lakh (not exceeding) : ₹5 (+ Service Tax)
 For transactions above ₹1 lakh and up to ₹2 lakhs (not exceeding) : ₹15 (+ Service Tax)
 For transactions above ₹2 lakhs : ₹25 (+ Service Tax)
 Batch timings :
 NEFT operates in hourly batches - there are eleven settlements from 9:00 AM to 7:00 PM on week
days and five settlements from 9 am to 1 pm on Saturdays

79. How the RTGS / NEFT transactions take place:
 The branch should be RTGS/NEFT enabled.
 An individual / organization may perform this transaction by using the Internet
Banking.
 An individual / organization may perform this transaction by visiting the bank. (may
have / or have not the BankAccount)

80. How the transaction take place using Internet
Banking

81.  Timing 0800AM to 0800PM
 Charges Rs. 5/- per transaction.

82. Bit Coin

83. Cyber Security

84. Cyber Crimes
• Identity Theft
• Spam and Cyber Stalking
• Infringement of privacy
• Hacking (White Hat ,Black Hat ,Grey Hat )
• Script kiddie: They are the unskilled hackers who break into computer systems by using automated tools
written by others.
• Neophyte: They are new to hacking or phreaking.
• Blue hat: These people’s expertise are used to bug-test a system prior to its launch
• Hacktivist: Hacktivism can be divided into two main groups:
• Cyberterrorism :Terrorism in cyber world is cyberterrorism. Section 66F of the ITA Act, 2008 defines the
word cyber terrorism
• Freedom of information
• Child Pornography & Pornography
• Cyber Warfare
• Cyber Squatting
• Economic Espionage
• Software Piracy and other Copyright Violation
• Computer Forgery and Counterfeiting
• Sabotage and Extortion by using Computer.
• Defamation, Hate Speech, Racist, Blogs and Xenophobic Propaganda
• Online Gambling
• Email Spoofing
• Data Dibbling
• Web Jacking and Email Bombing

85. Terminology used in the world of Cyber attack
 Access - To interact with a
system.
 Active Attack - attempts to
alter a system
 Blacklist - blocked or denied
privileges
 Bot -Internet connected
system is secretly
compromised
 Cryptography -
mathematical algos to
provide security services
 Digital Forensics - analysing
digital evidences
 Intrusion Detection -
methods for analyzing
information, if a security
violation has occurred.
 Key - numerical value used
to control cryptographic
operations
 Malware - software that
performs an unauthorized
operation
 Passive Attack - make use of
information but does not
attempt to alter the system
 PenetrationTesting - evaluation
methodology
 Phishing - A digital form of social
engineering to deceive individuals
into providing sensitive
information.
 Root - a set of tools to hide their
presence and control the
activities.
 Virus - infect a computer and
replicate
 Whitelist - A list of entities that
are considered trustworthy and
are granted access or privileges.
 Data Breach - disclosure of
sensitive info

86. Mobile- threat
 Mobile malware is rising fast, infecting nearly 13 million phones in the world during the
year first half of 2012, up to 177% from the same period a year ago.This came as the
security vendor found 5,582 malware programs designed for Android during the
month, another unprecedented number for the period.
 AndroidTrojan: ZitMo
 GIngerBreak
 AcnetSteal
 Cawitt
 FakeToken: steals both banking authentication factors directly from the mobile device

87. Cyber Security – good steps
 PCI DSS is current industry security standard set by American Express,Visa
International, MasterCardWorldwide – an essential certification.
 These companies use 128-bit encryption technology to crypt any information transfer
between two systems (It takes more than hundred trillion years to crack a password
under 128-bit encryption!) .
 Spreading awareness

88. Stop; think; connect
 #Never share your Username and Password.
 #Avoid login from other’s Mobiles & Computers.
 #Use a strong Password
 #Change your Password at regular intervals.
 #Use Antivirus, Antispyware and firewalls
 #Run Updates regularly
 #Use Encryption
 #Don’t share your personal / sensitive information

89. Stop; think; connect
 #Use less-targeted browser such as Chrome or Firefox.
 #Ask loudly for your right to privacy: Don’t ever say I have nothing to hide, because that’s
equivalent to I don’t care about this right.
 #Be careful what you download, and ask questions about the site you are downloading
from.

90. Stop; think; connect
 # Never plug your USB/Phone at the place you don’t trust.
 # Clean your device or remove old software or packages.
 # Frequent data backups at multiple locations.
 # Use encryption to protect confidential information stored on your phone.

91. Stop; think; connect
 # Patterns Lock: Set your smartphone to lock after a short idle time, and set it to
require authentication for unlocking. If at all possible, use something stronger than a
simple-minded four-digit PIN.
 #Alert before Install: Mobile devices are an open gate to our privacy, secrets, and
money (mobile banking), be alert before you install any application.
 # useVPN ;For publicWifi;
 #Turn yourWi-Fi and Bluetooth off when you don’t use them.
 # Disable java on browser

92. Stop; think; connect
 #Fake emails: Never click links in emails or texts that seem to come from your bank,
the IRS, or any other institution. If you think the message might be valid, log into your
account directly, without using the supplied link.
 #2FA: For social Media; always use 2-factor authentication mode.
 #SSL: For online transaction check for https:// (secure socket layer)
 #Phishing: Be careful on which site you are at. (Beware of phishing).
 # Never save your card details during transaction.

93. Stop; think; connect
 #Use virtual keyboard during transaction.
 #Trust no facebook friend; the hackers may be your friend by a fake profile and steal
your information.
 #Check your bank statement in a week, to avoid phishing/fraud.
 #Prioritize your accounts and secure them,
 #Never access zip/rar files; sent from unknown users.
 #Webpages may have ads; or some ads may have malware; to protect the system ;
Block Pop-ups or use anti-Adware software/blocker. Don’t click any banner / adult
image.

94. Stop; think; connect
 Protecting your password:
 Who’s looking over your shoulder?
 Did you know that bystanders or co-workers can steal your passwords only by peeking at what
you’re typing?
 This is especially true is your passwords are as easy as 123456 (please change them if it’s the
case).
 Take a look around and make sure everything’s safe before typing a password. Also: NEVER
share your passwords. Ever.
 If it’s your system; check the keyboard plug-in device that no “”keylogger” is attached.
 Don’t do real time geo-tagging

95. Stop; think; connect
 If you want air-tight security for your email account, check the
following:
 Your recovery information (create multiple accounts)
 Your recent activity
 Your account permissions
 Your app passwords
 Your 2-step verification settings.

96. Stop; think; connect
 keep your inbox and devices safe:
 Be careful where you submit your email address
 Unsubscribe from any unnecessary newsletters
 Use filters and mark emails as spam to help your email provider block it more effectively
 NEVER click on links in spam emails
 NEVER download and open attachments in spam emails
 Disable the automatic downloading of HTML graphics in your mails
 Open an additional email account to keep your most important one safe
 When using social media, enhance your privacy settings so no one can see your email
account
 If you have a website, protect your email address from automatically being scanned and
harvested by spammers.

97. Check out for the fake profile in Social Media
 Step 1: Download the profile picture.
 Step 2: Use https://www.tineye.com/ or Google image search to see if that profile pic is
a stock photo or if someone else has used it. If it’s fake, lots of results will pop up.

98. Google Activity log – an example
 It will show you from what browsers and devices you’ve accessed it, when and from
what IP. If there’s something that you don’t recognize there or an old session from a
friend’s computer, you can choose to terminate it.
 Same option is available for many other online accounts, such as Facebook,Yahoo or
Dropbox.Access it to monitor where your accounts have been used and end any
sessions that you don’t recognize.
 If you also activate two-factor authentication, your accounts will be more secure
against intruders.

99. Cyber crime as business
 Search for new ways to monetize their attacks (sell data on the DarkWeb, purchase
new types of ransomware that is impossible to break, etc.);
 Monitor their income and use all kinds of tactics to expand their reach, harvest more
data and launch stronger and more lucrative attacks;
 Hire blackhat hackers to do it (they’re the bad kind, because there are good hackers
too – the whitehat kind);
 Invest in acquiring infrastructure they can use to launch attacks and keep them
anonymous;
 Buy exploit kits and ready-made malware that can be deployed instantly.

100. Challenges

101. Challenges
 Digital Divide
 Unavailability of user interface in regional languages across devices that support cashless
payments.
 Unavailability of devices
 Unavailability of Internet Facility
 Percentage of Digital Illiterate.
 Mind set / distrust towards application.
 Cyber Security: Without proper precautions and security policies, the highly reactive
nature of cyber security leaves us vulnerable to cyber attacks

102. Training Strategy

103. …… a beginning

104. ManuMahajan,CoreFaculty
+91-177-2734-620 & +91-988-25-93-423