As complaint volumes tied to social-engineering-led UPI transactions grow, the industry conversation is shifting: authorised does not mean low risk, and disputes arising from manipulated consent need their own control taxonomy.
UPI's authorisation-first design means a growing share of fraud losses are technically consented transactions. That has quietly shifted the detection problem from stopping unauthorised access to spotting manipulated consent.
References for statistics, regulatory developments and ecosystem claims — RBI, NPCI, I4C/MHA and Government of India sources — are kept inside each report's Sources & References section, not on the resource cards. BANKiQ publishes and analyses; it does not aggregate.
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