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India leads the world in UPI transactions — from rural shops to big corporations, billions of payments move instantly every month.
But with speed comes risk, scams, and critical awareness gaps.

In this episode of the Gobinath Podcast, we sit down with Vishwanath Krishnamurthy, Chief Risk Officer (CRO) at National Payments Corporation of India (NPCI) — the organisation that powers and safeguards India’s UPI ecosystem.

This is a must-watch episode for every UPI user — from first-time users to daily digital payers.

🎙️ What you’ll learn in this episode:
• What UPI really is and how apps like Google Pay, PhonePe, and Paytm work behind the scenes
• Why India processes 21 billion+ UPI transactions every month
• The real reason ₹1000+ crore is lost in UPI scams — and why it’s not a technology failure
• How banks, NPCI, RBI, and law enforcement work together to protect your money
• Common scams: fake bank calls, phishing links, investment scams, and digital arrest frauds
• Why one OTP is enough to empty an account
• What NPCI V-Score, AML score, device binding, and two-factor authentication actually mean
• When and why UPI allows ₹2 lakh transactions (Safe MCCs like hospitals, insurance, IPOs, mutual funds)
• The future risk of AI-powered deepfake voice and video scams
• What to do immediately if you fall victim to a scam (1930 & cybercrime.gov.in)

🧠 One simple mantra repeated throughout the episode:

Think. Pause. Act.
Payments are instant — decisions should not be.

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📌 Help & Reporting:
• Cybercrime Helpline: 1930
• Online Reporting: cybercrime.gov.in

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UPI is safe — awareness is your strongest protection.

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