RBI Introduces Stricter Security for Digital Payments

印度儲備銀行針對數位支付實施更嚴格的安全性規定

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

於2026年4月1日，印度儲備銀行（Reserve Bank of India, RBI）針對數位支付啟動了一項重大的安全性改革。

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.

為打擊日益猖獗的網路釣魚與詐騙，RBI現在強制規定所有交易，包括統一支付介面（UPI）與行動錢包，皆必須採用嚴格的雙重身份驗證（2FA）架構。

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orgRBI

techTwo-Factor Authentication

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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).

根據新規則，使用者必須提供兩種獨立的驗證形式，例如使用者所知的資訊（PIN碼）、使用者擁有的物品（註冊裝置），或是使用者本身的特徵（如指紋等生物識別技術）。

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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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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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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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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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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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October 1, 2026.

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