Security and Privacy Advice for UPI Users in India

Explore a 14-minute conference presentation examining security and privacy challenges faced by Unified Payments Interface (UPI) users in India through comprehensive research conducted by cybersecurity experts from Paderborn University and The George Washington University. Discover findings from a mixed-methods study involving 26 semi-structured interviews with Indian UPI users and content analysis of 16 security information sources from regulatory bodies, UPI applications, and banks. Learn about user mental models regarding UPI security, common concerns and threats, sources of security information, and actual security behaviors among users. Understand the gaps between official security advice and user needs, particularly in light of increasing UPI-related scams and fraudulent transactions. Gain insights into recommendations for UPI providers and banks to improve their security guidance accessibility and effectiveness, as well as practical security and privacy practices that individual users can implement to protect themselves while using UPI systems for everyday transactions including rent, utilities, and other payments.