RBI Introduces Stricter Security for Digital Payments

インド準備銀行、デジタル決済のセキュリティを強化

On April 1, 2026, the Reserve Bank of India (RBI) launched a major security overhaul for digital payments.

2026年4月1日、インド準備銀行(RBI)はデジタル決済の主要なセキュリティ刷新を開始しました。

orgReserve Bank of India

orgRBI

To combat the rise in phishing and fraud, the RBI now mandates a strict Two-Factor Authentication (2FA) framework for all transactions, including UPI and mobile wallets.

フィッシング詐欺や不正の増加に対抗するため、RBIは現在、UPIやモバイルウォレットを含む全ての取引に対して厳格な二要素認証(2FA)フレームワークを義務付けています。

conceptphishing

orgRBI

techTwo-Factor Authentication

techUPI

techmobile wallet

Under the new rules, users must provide two independent forms of verification, such as something they know (a PIN), something they have (a registered device), or something they are (biometrics like fingerprints).

新しい規則の下で、ユーザーは「知っていること」(PINなど)、「所有しているもの」(登録済みのデバイスなど)、「本人の特徴」(指紋などの生体認証)といった2つの独立した検証手段を提供しなければなりません。

techbiometric

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理解度チェック

What is the primary goal of the RBI's new digital payment security policy?

To combat the rise in digital fraud and increase system security.

To encourage the use of physical cash over digital wallets.

To reduce the speed of digital transactions for safer processing.

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正解

To combat the rise in digital fraud and increase system security.

Which of these is considered a 'factor' for the new 2FA requirement?

Biometrics such as fingerprint scans.

The internet connection speed.

The user's home address.

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正解

Biometrics such as fingerprint scans.

What happens if a bank fails to comply with these new security standards?

The bank is immediately closed down by the government.

The bank is required to compensate the customer in full for the fraud.

The user is responsible for the financial loss.

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正解

The bank is required to compensate the customer in full for the fraud.

What does a 'risk-based approach' imply for the user experience?

Every transaction will require a biometric scan without exception.

Security checks may intensify depending on the transaction's context or value.

Users must change their PIN for every single transaction.

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正解

Security checks may intensify depending on the transaction's context or value.

When must cross-border, card-not-present transactions follow the new rules?

April 1, 2026.

January 1, 2027.

October 1, 2026.

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正解

October 1, 2026.

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