Fraud at Scale: UPI Account Takeover, Insider Collusion, and the Fight for Secure Digital Payments By CyberDudeBivash (Bivash Kumar Nayak)
cyberdudebivash.com | cyberbivash.blogspot.com | cryptobivash.code.blog Introduction India’s digital economy is booming , and at its heart lies the Unified Payments Interface (UPI) — the world’s fastest-growing digital payments ecosystem. In August 2025 alone, UPI processed over 12 billion transactions . While this success signals a revolution in financial access, it also represents a massive attack surface for fraudsters, cybercriminals, and insider collusion. This CyberDudeBivash exclusive explores how fraud at scale, account takeover (ATO), and insider threats are reshaping UPI’s risk profile. We’ll break down real-world case studies, sector-specific risks, technical attack vectors, and most importantly, how organizations can leverage UPI fraud prevention tools and AI-driven defenses to stay secure. The Growth of UPI — and Its Attack Surface UPI Adoption 350+ banks integrated. Merchants from chai stalls to Amazon using it. Cross-border pilots...