Author: Rohan Malhotra

RM Written by Rohan Malhotra Fact-Checked Digital Payments & Security Researcher • Reviewed by Technical Desk • 2026 NPCI Standards Certified Information Systems Auditor (CISA) and Digital Payments Specialist with over 8 years analyzing retail payment architectures across India. He focuses on UPI transaction limits, BHIM architectures, IMPS settlement exception handling, and consumer protections under the RBI Digital Payment Security Controls Directions. As of 30th June, more than 500,000 people worldwide have died of the COVID-19 pandemic, and more than 1 million have been infected. The seriousness of the pandemic can be seen from the fact that it has managed…

RM Written by Rohan Malhotra Fact-Checked Digital Payments & Security Researcher • Reviewed by Technical Desk • 2026 NPCI Standards Certified Information Systems Auditor (CISA) and Digital Payments Specialist with over 8 years analyzing retail payment architectures across India. He focuses on UPI transaction limits, BHIM architectures, IMPS settlement exception handling, and consumer protections under the RBI Digital Payment Security Controls Directions. The possibilities of doing things with your online bank account are endless. With the technological advances of the twenty-first century, we have stretched ourselves to the limit, and all of these have been benefitting us in ways we…

RM Written by Rohan Malhotra Fact-Checked Digital Payments & Security Researcher • Reviewed by Technical Desk • 2026 NPCI Standards Certified Information Systems Auditor (CISA) and Digital Payments Specialist with over 8 years analyzing retail payment architectures across India. He focuses on UPI transaction limits, BHIM architectures, IMPS settlement exception handling, and consumer protections under the RBI Digital Payment Security Controls Directions. Technology has drastically changed the way we live, work, and transact. It the late 1990’s, the introduction of Internet banking dramatically changed the way in which banking was being conducted. ICICI Bank was the first to introduce it…

RM Written by Rohan Malhotra Fact-Checked Digital Payments & Security Researcher • Reviewed by Technical Desk • 2026 NPCI Standards Certified Information Systems Auditor (CISA) and Digital Payments Specialist with over 8 years analyzing retail payment architectures across India. He focuses on UPI transaction limits, BHIM architectures, IMPS settlement exception handling, and consumer protections under the RBI Digital Payment Security Controls Directions. It is a safe thing to say that all electronic devices can be hacked. If this statement is true, then it’s also true that all transactions that happen on our devices can be hacked too. According to this…