Are digital payments secure enough for the Indian economy to go cashless?

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Gaurav Kumar Choudhary said: (Mar 20, 2018)  
Hello everyone, as per the topic, I can say that digital payments made our life more comfortable and hustle free. Now we are moving towards digital era, where everything is digital, then why not digital payment. It simply takes few seconds to pay to someone anywhere in the world. It also connects people throughout the world. Taking the image of Indian society, it has people from high class, middle class as well as lower class. Taking the steps towards digitalisation, might helps major people but it may be harmful for those who don't know anything about digitalisation. Before implementation of fully cashless, we make each and everyone to understand what digital payment is. When people really know what they are doing, they will take more interest in doing and it leads to more integrated by involvement of everyone. If we talk about security, many big IT giants for solving the problems of cyber attacks. Soo my conclusion about this topic is, Indian economy is not fully ready for going cashless as it has less involvement of people till now. People afraid to use digital payment, so first change the mindset of our people towards digitalisation that will bring the new age of society where everyone will be digital and payments will be cashless too. Thanks.

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Nandy said: (Mar 19, 2018)  
Hello everybody my point of view is that I think digital payment is not secure enough for the Indian economey to go cashless because now a days we are seeing that lots of fraud is going on through digital payment because if digital payment will increase lots of fraud things will also increase because I have seen that those people who are well educated are also got in this trouble it is not about literate or illiterate because in this world there are many smart and clever people who can make people Easley fool and if this kind of fraud happened with innocent people they can not overcome from this because might be that person is poor and did lots of hard work to earn that money and because of some online payment or might be because of fake call that money can be stolen from him and still in India there are so many people who don't know about the internet if they know they don't have smart phone or if they have smart phone they don't have enough money to get internet recharge so with this I would like to end up my topic I am not I favour of this.

Thank you.

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Bunny said: (Mar 19, 2018)  
Hello everyone. The topic given to us are digital payments secure enough for the Indian economy to go cashless?'.

Digital payments mean making cashless transactions by different modes like internet banking, mobile banking, UPI, banking cards etc. In my point of view, Yes it is more secure to go cashless because it reduces corruption as transactions are recorded and also it eliminates the waiting time in queue for withdrawing and transferring money.

But the thing is to create the awareness about digital payments to the people who are in especially rural areas and illiterate people. So to create government should do awareness programs like sending team members for a campaign, broadcasting in television about digital payments, etc. And also should maintain internet security beware of hackers by sending One time password to the user registered ID while doing transactions.

It is possible in next few years India will transform into digitally empowered society and knowledge economy.

Thank you.

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Barkha said: (Mar 18, 2018)  
Good morning everyone. I want to give my point of view on "Are digital payments secure enough for the Indian Economy to go cashless". Digital payment is that payment which is transfer through Digital signals, which can be easily modified and can be interrupted, but Countries government are trying to solve this issue by increasing security through cryptography and making Authentication better than past. So, from my point of view, India is not fully ready so other countries but not using digital payment is not the answer to this question. We should focus on making it more secure rather than not using as it is need of today's world.

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Shreya said: (Mar 18, 2018)  
According to Amercian Chipmaker, no digital payment app in India is completely secure. Right now, if someone says this statement, I would not agree. No doubt it has made life more comfortable. We don't have to stay in the queue for getting a cash. All records of the transaction are maintained which help to keep an eye on fake currency. It helps people to keep a track of their expenditure. We get discounts while purchasing goods through digital payments like 0.75% discount on the digital purchase of fuels through debit cards or mobile wallets.

Seriously it makes life easier! But with pros, there are cons. When it comes to security, it is not to much save.

A lot of fraud happens. Many people especially who are senior citizens and children are not properly aware of how to use this technology, how someone can access their private data and use their digital payment application.

As what about the poor people who cannot afford the internet connection, how they are going to access this technology. We cannot ignore them. So firstly we have to make sure with the passage of time, we need to more people to engage in this and our engineers in IT field has to work to make it more secure. When this situation takes place, then it would be better to say that digital payments are secure enough for the Indian economy to go cashless.

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Muskan said: (Mar 18, 2018)  
Hello everyone, as my other friends has already demonstrated the topic, in my opinion, digital payment is the best way to improve the economic condition of our country. As digital payments are recorded and no one can done illigal transaction due to the fear of being caught. Also digital payment is reducing the risk of stealing of money as due to digital method of payment one can easily go to any place without having a big amount of money and there is a good security provided on these methods so that no one can misuse them. Like paytm and other payment apps needs your password, thumbprint, cvv, otp and upi number to transact. Which is making payment more secured. If your atm is stolen then also it will need your password and your mobile will also need passwords and other information to access your money. So we can say digital payment is secured enough for the Indian economy to go cashless.

And as we know there are a lot of illiterate people who don't know how to use these methods so for them we can ourself organize a digital payment awareness programme in our locality. This will be a good initiate to make our country digitally stable.

Thank you.

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Shaifali said: (Mar 18, 2018)  
I believe India is not yet ready to go completely cashless, as the systems are not yet 100% secure and completely cyber-attack proof. But government steps like demonetization has encouraged people to start using digital currency and this is a step in the right direction. As the number of people opting for cashless transactions increase, new technological upgrades will come up to protect them. This will help in curbing corruption as well.

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Vijay said: (Mar 17, 2018)  
Hello everyone.

Our topic is "Are digital payment enough secure to go with cashless?" here we should be discussed on the point that favour to go with cashless or challenges and it's solution for which yet we are not going with cashless. But not advantages of cashless so from my point of view almost we all have a smartphone and we often use Paytm, Net banking and card swipe etc. So this thing can lead to go with cashless but if we think for challenges, there are many people who don't know yet how to use smartphone and internet typically senior citizen and children for them we can go with card swipe with limited transaction for eg) children pocket money account can save and transect up to 50-100 rupees. Because card swipe is not much secure than a mobile phone as security key type in transaction machine. Other challenge is cyber security, it is globally issue and it can resolve by group of specialist in IT field.

Thank you.

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Divya said: (Mar 15, 2018)  
Yes, it is. Because it reduces the corruption, as every debit and credit transactions are legally recorded. It also reduces the human to wait in a queue, carrying amount from one place to other while doing so he may lose his cash due to thief attacks. It saves time. It reduces burden in transferring amount procedure. Etc.

But the thing is to increase it's awareness to each and everyone especially to elders, illiterate people who don't know about internet usage i.e, digital communication. So to create awareness Government have to do one broadcasting program through televisions as almost every house has a television so that everybody can get an idea, that program must demonstrate the digital banking and digital communication usages i.e, about social media in stepwise to reach everyone in the country.

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Sunil Kumar said: (Mar 13, 2018)  
Hi everyone.

When we talk of security then digital payments are the most secure form of transaction till the interface that is being used by you is not fraudulent. So the hurdle here is knowledge of the interface through which the transaction is being done. This can be done only when the cybersecurity wing that is the CERT-in keep a very strict eye check on the fraudulent website who betray their costumers and thus leading them to a false payment.

Another aspect is that through digitization there will be a full stop for the fake currency which are in regulations.

Another benefit of going cashless is that the party funding (or the donation) that are given to the parties for their campaigning can be checked. This will have a great impact on the growth of our economy as when a party funding is done then it is a huge amount which the firm or an organization tries to compensate by increasing the cost of the community or by someway putting the burden on the general public.

Thank you.

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Karthik said: (Mar 13, 2018)  
Hi everyone,

Digitalization has its own benefits and drawbacks especially in a developing country like India.

First the main drawbacks Indian population consists most from rural areas and many of them are uneducated even if we provide the internet services, smartphones they are unable to use the systems and make digital transactions and most of them don't even try to save the money as they will have to spend the money they earned in next few days so why would they bother to save the money in banks just for few days. So the first foremost thing Govt should do is improve the literacy rate provide good and free education facilities across rural areas then it will automatically promote the digitalization across the country. Of course, digitalization wouldn't happen in a year it will take a generation of time if we do the things in correct way.

Regarding the safety issues, I think most of the banking systems safe.

Now the benefits are there will be more transparency in the economy fewer possibilities for fraud and also less time to consume as well as fewer resources required in the banking sector to operate.

Easy of doing business and we would be able to do business across the country inefficient manner.

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Chandru said: (Mar 12, 2018)  
Yes, It is good.

Practically speaking, digital transactions are already in line for the middle-class people, before when it has been announced. We should have money in bank account to do the digital transactions in any way either it can be Paytm, Tez, Mobiquick, PhonePe, etc. Only the middle-class and the high-class people are only to take this without any difficulties. Talking about the low-level people, he/she earns money in cash, keeps the cash in pocket and spend it tomorrow without any worries. For digital transactions, we should have knowledge of the things how it works. People should have a salaried account and every month some cash to be credited to the person's account. Also, he/she need internet to connect (again expensive).

Frankly talking, whatever the technology adaptation we initiate some group of people cannot use/adapt it.

Conclusion: There is no way that all the people will adapt to everything, we have to impose the digital payment on India to improve the economy indirectly or indirectly.

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Sachin Garg said: (Mar 12, 2018)  
Talking about the security of digital payments in India, I think payments are secure enough that people can have trust. But for digitalised country we need to focus on other parameters like.

A significant percentage of people live in rural areas where the knowledge is assumed to be less for using digital payment modes.

Also many people in rural areas peoples are still not using smart phones as they cannot afford it.

Another hurdles which came towards the digitalisation is networks in India is not up to that level to go India for cashless.

So from my point of view, we should have an eye like in coming next 10 years we have to make India cashless but for that need to put focus and attention towards the activities, policies, laws etc required to implement it.

Government need to conduct several awareness programme specialy in rural areas, where to have to give them enough assurance regarding security of their money.

People must also support government efforts and show willingness and interest in understanding the digitalisation.

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Misthi said: (Mar 11, 2018)  
In my opinion,

Yes, the digital payments are secure enough for Indian economy to go cashless because nowadays bank provides 3 d security systems so that there is no chance of any fraud but yes one main thing is that we need to be more careful and aware while doing any sort of digital payment because it may possible that some of the hackers are waiting for your small mistake, awareness must be there people must not share there any personal account details with anyone. And try to use more reputed sites not use any of the unofficial sites for payments.

The problem with Indians is that they know how to use digital systems and pay by digital means but they think that in digital payments their money might get lose and they stuck in some fraud but I ensure you to all these things are not going to take place if we are aware at the time of payments.

And as far as the time is concerned digital payments saves a lot of time and for this present era, time is a most important constraint.

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Tanu said: (Mar 11, 2018)  
Hello everyone.

In my opinion, digital payments is secure enough rather than to go cashless for the Indian economy because it reduces the crimes happened and the black money problem. As said by Narendra Modi to make India digital and also said its benefits how it is essential. Every one want that there work should be done immediately and they don't have to stand in a long que and for this digital payments will be more beneficial. Through this there will be faster response in transfer of money.

As some of my friends said, that digital payments are not secure enough as there is a hacking problems and also that in rural areas everyone in not aware of this digital payments. So for this governments has to put some security and in computer there should be a tight security so that hacking problems should be finished. And in rural areas government Sent some people who can make them aware of this digital mode of payment.

If all these type of actions are taken then one day there will be happy life of people which will help in securing our Indian economy.

That's all.


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Tanu said: (Mar 11, 2018)  
Hello everyone.

In my opinion, digital payments is secure enough rather than to go cashless for the Indian economy because it reduces the crimes happened and the black money problem. As said by Narendra Modi to make India digital and also said its benefits how it is essential. Everyone wants that their work should be done immediately and they don't have to stand in a long queue and for this digital payments will be more beneficial. Through this, there will be a faster response in the transfer of money.

As some of my friends said, that digital payments are not secure enough as there is a hacking problem and also that in rural areas everyone in not aware of this digital payments. So for this governments has to put some security and in the computer, there should be a tight security so that hacking problems should be finished. And in rural areas government Sent some people who can make them aware of this digital mode of payment.

If all these types of actions are taken then one day there will be the happy life of people which will help in securing our Indian economy.

That's all.

Thank you.

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Jyotirmaya said: (Mar 10, 2018)  
Only digital banking is not enough to secure to go cashless. 1st off all, we don't know, what is digital banking. We are not proficient in computer. There is 100 crore people are residing in India. How many of them know, how to use a computer. By digital payments, rural peoples depend on others. It is not good for our society. Gradually, we have to proceed towards digital payment. I accept it is a very good initiative by our government. But we people have to digest it. Hope it will take at least 30 to 50 years to digest.

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Birender Yadav said: (Mar 10, 2018)  
Digital payment is quite good. As far as rural people are concerned, they should have perfect knowledge & trust on the online transaction. Normally people in rural are full of fear & most of them can't develop a feeling of (like cash) in yourself. The government should start programs visiting village to village.

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Mukesh Pant said: (Mar 10, 2018)  
Unless our country fully gets developed digital payment should not be mandatory as rural people are not well aware of that. But in development point of view digital payment implementation is very necessary and also corruption will also get low down. There should be proper planning committee about introducing technology for new era while also considering those people who don't HV any access to the technology.

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Tarun said: (Mar 10, 2018)  
Hi, In my point of view, it is good to go cashless but without making any charges. If govt make any charges for digital transaction then people will not use digital transactions because they are loosing their money in the way of taxes.

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Arun said: (Mar 9, 2018)  
In my point of view, digital transactions are very safe. Here so many of told that the rural place can't enough knowledge for doing the digital transaction. It's acceptable but nowadays so many of people 90% of people using phone out of 100%. And they all know to use the internet. But the major issue was a network problem. It's rectified they are also doing the digital transaction.

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Amol Acharya said: (Mar 9, 2018)  
In my point of view, digital payments are more convinent way to go cashless. And all banks provide us 3D security for transanction. They did theire best to give security for our transction. But we also have to aware about our all bank details and we have to handle this all work with responsility. If user uses those services with awareness and responsibly then I dn't think thank our money is in any danger. Afterall its also depends on us because if we use it carefully then no one can event touch our money without our permission.

If we are talking about hackers now a days bank make that security very tight so there very few chances of hacking our account.

And there are more benifits of digital transaction. If we see overall there are 90% transaction are cashless. Because the people don't have enough time go to bank and stand for long time to make theire transaction every one wants it as quick as possible. So if we taklking abuot digital transaction in my point of view these transaction are very safe and everyone using it. But we also neet to do every transaction securely if we took care of that then there is no problem to go cashless.

Now talking about rural area there are many problems like network problem and the lack of knowledge that people have. But if see these problmes are minor because now a days mobioe operators are trying to give better internets services in rural areas so in some network problem will be solved. So network problm is not the main problem in rural are might be some area facing it but it will be solved in someday. But the main problem that rural area is facing that is the knowledge the people don't have the knowledge and they feel unsecure about digital transaction because of there lack of knowledge. And this is the main problem in rural area. If youth take initative to educates people or at least edcates there family this problem can also slove. There are many student from rural area who are taking education from the city and they all know about digital transaction and they did every day every week every month. So they know all abuot digital transaction how it works how we can use it and all the things. If they take initative to teach theire family how to use digital transaction and how we can use it securely and all the things about digital transsaction. Then rural area people can use these services. And the main thing is that rural area peoples are very curious about these things they want to use it they want to know about it and they also curious about to learn these things but the problem is no one is giving the knowledge to them even bank also. And only because of lack of knowledge these people scared to make digital transaction or using this services. So if the student blongs from rural area take this initative to educates theire families then rural area people also can use these services. And if you ask me is digital transaction safe or not then my answer is yes these digital transaction is safe and more reliable way to live. Thank you.

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Sarwadhar Singh said: (Mar 8, 2018)  
Digital payments are not safe at all. There are various concerned about it.

1. As we know that one has to know about the digital methods to make the digital transactions which is not convenient to everyone, due to lack of knowledge and fear to lose money.

2. As on digital platform, there is a lot of danger of hackers. Which can make the payment safety critical.

3. The problem of networks in rural areas cause server problem, and the transaction can be held for a lot of time.

Hence overall if concluded in my opinion then they are not safe.

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Saitej said: (Mar 7, 2018)  
In my point of view, is it secure or not is based on the person using it. If the person is good enough in technology then no problem arises. But the problem is with the uneducated people. Government and banks have to educate the people by conducting awareness programs. Even educated people also fall into the trap by the hackers. Digital payments reduce the corruption and it eradicates the problem with the pickpocketers. But in rural areas, there are network problems. If the internet is reaching to rural areas and people are educated then digital payment will be secured in India.

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Abhinav Kumar Gupta said: (Mar 7, 2018)  
Hello everyone.

Each topic has own pros and cons.

So for this topic;

Pros are,
1) time-saving don't stand in long queue.
2) faster response transfer money in Sec.

1) for digitalisation better connectivity but in rural areas 4g is not available.
2) many people even don't know how to sweep screen touch mobile. Lack of awareness.
3) most important point is security. We heard daily about hackers.

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Anomii said: (Mar 7, 2018)  
In my opinion, India can adopt cashless transaction but there are many hurdles in its way.

1. We will require better connectivity till rural places. Though 4G came to India 2 Yrs back still many companies are not fully capable in bringing the technology to its fullest.

2. Even if we bring the technology people should at least have a smartphone and should have the knowledge to use it and do transactions.

3. Even if technology comes in a more digital way so the more secure network will be required.

4. Further, it will be a more preferred way to track black money and corruption will reduce too many folds.

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Bazirao said: (Mar 6, 2018)  
No, digital payments are not secure enough for the Indian economy to go cashless. There are many reasons behind it. Those reasons are as follows:-.

1. Unaware of digital payments- In India, most of the people are unaware of digital payments, even many of they don't know how to operate the Internet.

2. As per report- According to the American chipset maker company Qualcomm, in India most banking applications don't run on hardware security. So, there is a high chance of password stealing.

3. Hacking & Hacker's- It's not long back when the biggest cyber attack in history, WannaCry ransomware.

Infected more than 40, 000 computers in India. The main cause of this attack is that In India, most of the Computers are not upgraded their Operating System. They are still using the old version of Operating System.

4. Security Standards- In India, no Security Standard's are prescribed by RBI or the Government of India.

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Siddharth Singh said: (Mar 6, 2018)  
Digital Payment in India or anywhere round the world is quick and convenient mode of payment keeping in mind the amount of crime happening round the globe for paper mode of payment and regarding safety, the government still need to figure out a way out to introduce virtual money/currency to neglect the amount of concern over safe and secure mode of payment.

The government though has taken major steps to avoid cyber crime, hacking and cracking through introduction of encryption and PIN introduction and later by OTP that has reduced the quantum cyber crime cases.

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Mandeep said: (Mar 6, 2018)  
According to me, digital payment is the best source of payments because when we make payment online it's saves us time and provide othe benefit. Through the online payment we have don't need to stand in lines for long time. But in case of security its not secure nowadays. The cyber crimeis increased day by day in India because the people of India don't aware about the cyber crime on digital. To control the cyber crime the word is "crypto currently" is coming. The government of India is need to use this to overcome or controls the cyber crime in India.

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Pushpendra Singh said: (Mar 5, 2018)  
In my point of view, digital payments are secure for the Indian economy because in past few years we see lots of payments method (Eg: bhim, tez, payment) which not only go for cashless but also for the competitive world for nation because many nations have been going cashless like Singapore, Japan, Denmark, USA etc which strengthing their economy. In past few months, we see increasing in a number of the cashless method by every people of our nation directly or indirectly. That's why digital payments is need of life as a habitual in this queue line world. The NDA government doing a good job of becoming cashless or go cashless scheme. But the main thing is that to aware each and every people to go cashless. As each one teach cashless.

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Payal Shikalgar said: (Mar 5, 2018)  
I think digital Payment is not enough secured, lots of crimes are done during transaction of money.

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Omkar said: (Mar 5, 2018)  
It is not full proof plan for our economy, as we know everything has its own darkside. There is not only point of security of money there is always point of availability.

Assume a condition you're going for exploring and get stuck in rural area where is no range in your cell phone tower, village have aleredy problem of load shading and no atm far long. You donot have a single coin with you only have upi payment app and debit card and need to get a cup of tea on tea stall how should you get what you want there if you are cashless.

We don't pay attention about cyberthreat for cashless economy.

Economy with 60% cashless and 40% cash is best option.

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Garima Bajaj said: (Mar 4, 2018)  
Digital payments can be made more secure for the Indian economy if the government put some extra efforts like teaching rural and illiterate people about the e-wallets, especially its overall use. Yes, it is safe to some extent as there is no fear of pickpockets, corruption can be reduced, people do not require to carry their wallets with them all the time. Nowadays after the introduction of demonetisation, almost every retail shops have introduced paytm QR code in their shops for smooth supply of money. Fortunately, e-wallets like paytm, tez, bhim has saved the lives during the crisis of demonetisation as there was no medium of exchange throughout cash. RBI has made it mandatory for everyone to link their e-wallets with Adhaar card after proper verification (KYC). The government should improve the impact of digital India throughout the economy so that more and more people get aware of this introduction.

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Siddhant Kumar Chaudhary said: (Mar 3, 2018)  
Yes, the digital payments are secure enough for the Indian economy to go cashless for the aware people only. But there are problems with the illiterate people and the solutions are that for illiterate separate department should be opened and the workers working in the department must be trustworthy and the concerned department should be responsible for any kinds of fraud or illegal activities with the digital payments. With any kinds of new ideas there are merits and demerits as we all know that corruptions are reduced, time is saved, there are less traffics on road as a result low air pollution and natural resources such as oil, gas etc are also protected.

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Bavita Kumari said: (Mar 3, 2018)  
In my point of view, digital transaction is not secure enough. First I want to mention the meaning of the digitalisation, digitalisation means transaction without involvement of draft, cheque, and cash. One side where digital transaction makes our life fast and smooth, on the other side it makes poor, uneducated people into trouble. We all know most of the people of India are uneducated and even they don't know how to swipe the screen of touch screen mobile, then how we can accept that when they can go cashless. At the one side digitalisation increases economy, reduces paper printing at the same time digitalisation also increases unemployment because work are mainly technology and machine dependent. I think government should work on education growth and on unemployment firstly then digitalisation will take place automatically. If people will get a job then they can buy a Android phone and when they will be educated then they will know how to swipe screen correctly, and digital payment will be secure automatically.

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Triveni Kohale said: (Mar 3, 2018)  
Hi everyone, in my point, digital payment will beneficial for us as well more secure.

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Dibyendu Pathak said: (Mar 3, 2018)  
Hello everyone, This is Dibyendu.

Going cashless is a need of time. Digitals payments are secured by 128 Bit end to end encryption. They are totally safe from the point of being robbed digitally. With Availablity of New technology, some precaution also comes; liking keeping the privacy and being aware of the fraud phone calls etc. Indian economy was very much liquid a few years ago but now the scenario is changing. Because of the increased faith in digital payments, the share of the digital money is increasing that shows the reliability and secureness of cashless economy in Indian Scenario.

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Deepesh Lalawat said: (Mar 2, 2018)  
Hello everyone.

Digital payments are well secured as there is no need to keep money in pockets. There is no need to worry about pickpockets. Corruption can be reduced to a large extent.

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Purushothamreddy said: (Feb 28, 2018)  
Hello everyone, Myself Purushotham reddy.

Digital payments is mostly secure for Indian economy. Government link the biometric procedure to all digital payments. We cannot stop all corruption in India but as compare to cash payments decrease the corruption. Suppose government giving money to (ex:old people) people. In some villages government workers are they do not gave money to that people. They were taken that money. Because of there were no biometric procedure. For that digital payments are more secure.

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Feba George said: (Feb 28, 2018)  
I am Feba George, in my opinion, digital payment is better, even thou it has both merits& demerits.

Digital payment reduces the flow of black money. It is necessary to provide better cyber-security to safe our cash from darkers.

The main demerits is that there are so many poor people who don't have any bank account and lack of education about digital life. But it is possible to educate the elders. So it's better to adopt digital payment system.

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Ratnesh said: (Feb 28, 2018)  
Hello everyone. Myself Ratnesh and in my view, Digital payment is the best way to fight corruption and black money. But it will take time to be completely implemented in India since it is still in developing stage and a lot of villages and places are there where people don't know about digital payment. There should be also some rules and activities to aware those people fro digital India which will lead to the next step of Fight against corruption. Yeah, I m also admitting the fact that it is not completely secure since there are corrupt people in the bank who leaks the personal information of the common man which is the threat for the cyber security. So for this, we can fit the camera in each room of the bank with the proper audio system and also there should be some strict law and order for such kind of illegal activity.

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Harsh Agarwal said: (Feb 27, 2018)  
Yes, I completely agree with Digital payment is secure as it connects with the Adhaar card which is most secure. As it has the details of our fingerprint which decreases the chance of hacking. As well as it has many more security operations like OTP, registration only with the registration no. This thing affects the alarming increment of corruption as govt has all the details of the person's account.

But like every coin has two faces one darker one bright this procedure has darker side also like the agged, as well as rural public, is not so much engaged frek so this has the least impact on them but this thing is curable by making more people educated. And that too with hackers also we can only make our system more and more secure because nothing is perfect. Someone always gets the way to make find the loophole.

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Jagpreet Singj said: (Feb 27, 2018)  
Yes, digital payment is secure for the Indian economy to go cashless by the help of (otp) one-time password. Like paytm, bhim these are very easy to send & received money by other. There are many advantages of digital payment but at this time India is not ready for digital payment. Rural area people are not that educated no Internet connectivity in rural area. And firstly Indian government should improve the cybersecurity system. And carrying a cash know a day is full of risk. So for the development of the country we should take these step necessary.

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Shubham said: (Feb 27, 2018)  
Yes. It is secure but some time it's insecure for our money. Which is stored in many online banking provided services. And we lost our money. Because many hacker are present in now days. Which are hack our accounts easily. So for the safe this type of things. We must be check our accounts properly in regular time period. So online payment it's good for us. But some it's harmful.

Rate this: +4 -3

Prashanth said: (Feb 26, 2018)  
Yes! Absolutely digital payments are secure if we maintain our online accounts properly.

There are lot of advantages are there with digital payments especially we can demolish corruption, black money and no need to carry cash all the time with us.

The only thing we should do to secure our digital payment is to educate and bring awareness about the digital payments especially about how to secure our login credentials and how to maintain online accounts to the illiterates and in rural areas.

Rate this: +15 -1

Mangesh Sutar said: (Feb 26, 2018)  
I like to say about the cashless transaction that everything has merits and demerits.

- It helps to reduce corruption. When our government announce some scheme it's amount will reach directly at the target site. So agents concept will be demolished.

- It will reduce the time. Help people to do transaction inconvenient way.

-It benefits to literature. But in our country, so many people are there who unable to read a single word without Thier own name. It harms to those people.

-There are too many chances of cybercrime. Even some cyber experts may start to coach person how to theft money.

Rate this: +10 -6

Shikhar Sehgal said: (Feb 26, 2018)  
I feel instead of going completely digital, we should adopt a step by step approach. the idea of making it compulsory for large business houses at first make the plan achievable. and gradually once the idea is understood by the whole nation it should be made mandatory for all.

1. Time-saving
2. Govt will be able to fight corruption.
3. The money will become transparent and traceable.
4. the burden of tax will be shared by a larger base.
5. Govt is making effort to educate people.
6. Change is a part of life.

1. Old people are not tech savvy.
2. hackers will take advantage
3. large population of India.
4. should not take decisions without planning. eg. deaths during the demonetisation time.

CONCLUSION = Digitalisation has more advantages than disadvantages. All the demerits can be overcome with the right amount of efforts.

Rate this: +56 -4

Ashwini Shivakumar said: (Feb 26, 2018)  
While it comes to digital payments there is both advantages and disadvantages.

When we go to advantages. It is a cashless technology. Don't need to be afraid of theft. Where ever you go. There is no necessity to take cash everywhere, an ATM is more enough to save all our money.

When we go to disadvantages. Old age people are not aware of the technology. Most of them don't know to use such technology. When we have Hackers in the stream of Technology. We cannot give guarantee to ATM.

Rate this: +2 -2

Rajinder Kumar said: (Feb 26, 2018)  
Cashless transaction is good option for sending or receiving money without any further formalities. This is basically a secured and time saving way for sending money. It is widely used these days in India because this is priority and dream of our PM and also it reduce the black money crises from the India. It is also used in villages where youth are having knowledge about transaction through Paytm, ATM transaction are usually done by the peoples. It is very secured way but with limited deficiencies such as transaction failure and money get deducted from the account, hackers also deducts money from the account by saying that ATM blocked by the bank and the customer have to share all details from issuing/reactivation of ATM Card.

Rate this: +2 -1

Abhinav Mahipal said: (Feb 25, 2018)  
When we talk about going cashless the point which is implied is that cash transactions are not safe and that when an individual pays for the transaction there is no proof that whether the cash used is hard earned or earned through corrupt means. So when we think of going cashless it is surely a positive initiative as it would mean that the money used in the transaction is surely white in nature as the explanation can be demanded then and there. Now it is well known that there are many cases of cyber fraud and thefts so government should strengthen the cyber laws and study the cases of cyber frauds carefully so that none of that sort happens in near future. By doing this the government will be able to reach its ultimate goal for which the whole initiative is for i.e. to remove corruption. Now, all we can do is wish the government all the luck and do our bit as well by reporting cyber frauds if we come across any and not ignore it.


Rate this: +5 -1

Pankaj Jain said: (Feb 25, 2018)  
A coin has two sides, as it is the initial stage for digital payments so we cannot rely fully on digital transactions. As the cyber fraud has increased these days, people are afraid to use online transactions and prefers to use cash more. These frauds are seen in rural areas are more than urban areas as people of rural areas are unaware of the cyber fraud.

So basically we should first educate people of safety measures to be taken while online payments. In that situation, people get confidence and use more online transactions to make India a cashless economy.

Rate this: +3 -0

Akash Patel said: (Feb 24, 2018)  
Our topic is 'digital payment are secure enough' than my opinion is yes it is secure enough' to go cash less but yes if people using it are not aware enough of loop holes from where they can cheated by cyber experts than it will create a problem, it never means that system is not secure but need to aware Indian economy about the ways how they can be cheated in 'digital payment else chances of theft is there in even cash payment also.

Rate this: +2 -1

Shubhangi said: (Feb 24, 2018)  
Digital payment is good for any country's economy. By this, a country can go cashless. We need not have to carry money all the time with us and there is no chance of losing our money by a thief. But According to me for our India its not good because our country is a developing country. We all our aware that India has the rural area much more than the urban areas. The peoples of rural areas are not aware of digitization. They don't know about the cyber crime. Suppose If our country starts the cashless economy. There are many hackers who can hack the account of any person especially for the rural areas the people's account could be hack day by day. So, before implementing anything for any country the government should look towards their policies to secure the digital payments. Must look towards the rules for cyber crime. Awareness camp must be organized for teaching the people about the digitization.

Rate this: +4 -0

Harshit Kundalwal said: (Feb 24, 2018)  
Yes, we can go with the cashless economy or to make our country cashless because the foremost advantage of the cashless economy is that there is no need of carrying money which reduces the inconvenience due to carrying cash or theft by someone. It is easier to track black money and illegal transactions.

But there are some problems, not everyone has the knowledge of doing digital transaction because in rural area peoples are not so educated. They don't know how to do and no internet facilities are provided to them. Some people having half knowledge of digital transaction are exposed to cyber frauds and losing their money to online scams and their accounts are hacked.

As the whole world is going to be changed, new applications and technologies are coming. It is necessary to aware peoples about digital transaction through education, newspaper, advertisements and magazines.

Rate this: +29 -1

Vaishnav Saxena said: (Feb 24, 2018)  
According to me, every coin has two faces if one is good then other need to be bad. If there are pros of digital payments then cons are also be needed so that it should be improved.

At present time there are many cases through which we say that digital payment are not secured but it takes some time for being improved.

Rate this: +8 -4

Sheyas said: (Feb 24, 2018)  
Well, at the moment its a so far so good kind of situation. In a world where the transaction of money is just a tap away, it is natural that the cyber threats are knocking our doors. It would be foolish to say that digital payments are cent percent safe and secure, I'd like to say that they're easy and convenient and a little bit secure. End to end encryptions and decryptions aren't fully secure. So handling a huge amount of transactions with only a few taps of the phone is surely not secure, that too in Indian economy since we have a wide range of small vendors who aren't exposed to such technologies as such, and for them its just virtual money. Maybe a few years down the lane, we can afford to go completely cashless but right now, we can't even imagine living in a place like that.

Rate this: +4 -0

Deepak Mehta said: (Feb 24, 2018)  
According to me, at this stage, I don't think that Indian economy should go cashless because it has many flaws like less secure, failure of the transaction and to get the money back we have to follow a certain procedure and wait for few days. UPI is going to be the revolution no doubt but it will take some time.

Rate this: +6 -1

Vidushi Dwivedi said: (Feb 23, 2018)  
India is a country of 1.2 billion people with around 40 crores of them live in rural areas. With the passing of time, India is making its under the umbrella of Digitisation. But this digitisation still has to travel a longer path in order to make India completely digital country.


India is habitual of Doing most of its transactions through Cash whether buying vegetables to buying a car.

I think cashless Indian economy will only be achieved only if the people of rural areas are aware of WHAT AND HOW to go cashless ?

Rate this: +38 -1

Sweety Arora said: (Feb 23, 2018)  
It should be mandatory for large corporates or businessman's but not for all because they have enough knowledge about digitisation and can make proper use of it. If govt wants cashless country, then they have launch some awareness programme for public.

Rate this: +4 -0

Priyansh said: (Feb 23, 2018)  
At present, mobile phone has become part of our life, so why not use it in more innovative way to pay money as well.

Rate this: +2 -3

Shubham Ikhar said: (Feb 23, 2018)  
Yes, digital payment is very good in this fastest world because no one has time to stay in the queue as well as it is secure because the computer system is more protected than the bank lockers.

Rate this: +9 -13

Anjali said: (Feb 22, 2018)  
Hello Everyone!

Digitization is one of the important and beneficial step which Indian government has taken. When comparing to other countries, India was lagging behind in terms of digital payments. Today digitization has increased the Indian economy.

But we cannot neglect fact that along with brighter side, digitization have darker side too. Illiterate people cannot go cashless. Even, illiterate people are fooled by swindlers and fraudsters.

It is correctly said that incomplete knowledge is very harmful. So, Indian people should posses knowledge regarding digitization. Proper training should be provided to those who don't have knownledge of digital payments.

So, we can conclude that digital payments are secure enough for the Indian economy only if every citizen posses knowledge of digitization otherwise same thing will turn into fraud.

Rate this: +44 -1

Rohit said: (Feb 22, 2018)  
According to my point of view, the cashless economy is good for India to make developing country. In today's world people are willing to use technology and they are utilizes it fully in day to day life. So it one of the easiest way to make transfer of money from e place to another. So it's good initiative.

Rate this: +4 -3

Yash Choudhary said: (Feb 22, 2018)  
I think it is not a right time to go for cashless or digitalization because demonetisation & GST already reduce over economy or GDP so over society requires time to adopt new things .Take a example of barter system which also require a time to convert into paper money.

Rate this: +3 -2

Sharath Rao said: (Feb 22, 2018)  
Digitalization of payment in India is secure for economy only if the whole population of India Is literature about the procedure, and the crimes/frauds related to it.

Rate this: +12 -1

S M said: (Feb 21, 2018)  
Yes, in my point of view, digital payments are secure as well as very helpful. It reduces the load of money to be taken with ourselves. It is beneficial for the transaction to be done so that more and more people involve in this. Digital payments are making people more towards the digitalization. In present era digitalization is more important.

Rate this: +9 -3

Ajeet Kumar said: (Feb 21, 2018)  
According to my point of view, Digital payments are secured as we need there are several reasons.

1) In India, many cities are not developed so the mentality and need of people is to stay on the cash.

2) In India, many small-scale businesses are they need cash to conduct business.

3) And "Yes" in India many villages are who do not aware about digitalization may be due to lack of Internet and other issues so they also like cash.

But the conclusion is if we want a developed and uncorrupt country we need Digitalization in everything not only money even bringing change in the mentality of people.

Rate this: +1 -0

Trimbak Rane said: (Feb 21, 2018)  
I am Trimbak.

I think that digital payment is not secure because there is more cyber hacker also money stealing from bank account is more dangerous than stealing from people.

Rate this: +26 -6

Raju Sarwade said: (Feb 21, 2018)  
Yes, it is secure. It reduces the time for remove the money from bank or atm machine. Also, it very easy to transfer money in small amount of time.

Rate this: +7 -5

Sachin said: (Feb 21, 2018)  
According to my point of view, Indian economy will not work as much smoothly without cash because even now there are many places where internet connectivity is not available. That's why it will disturb their way of exchange.

Rate this: +14 -5

Akanksha said: (Feb 21, 2018)  
I am Akanksha.

According to me, digital payment secure enough for the India economy to go cashless, I agree because there are several poor people they are work in small place they need cash, they have not enough knowledge.

Rate this: +7 -11

Anu said: (Feb 20, 2018)  
Hi Everyone,

My opinion is digital transaction is a sign of developing Indian Technology, which is appreciable. Now, coming to how secure enough the digital transactions are, With the developing technologies cyber attacks and internet traps are also rapidly increasing.

So it is truly in the hands of the individual users to do safe digital transactions. We have to remember that cyber security is something we must consider at every step we take online.

So the government has to take steps to train and give a deeper understanding of digital transactions and cybersecurity, to all type of people. So that India economy will safely and successfully turn to a cashless economy.

Rate this: +38 -4

Gyan said: (Feb 20, 2018)  
Yes, we need a digitalization of our economy, but illiteracy is the biggest problem for that, some vendors or small-scale businessman are not aware of digital transition but if we really want to remove corruption from our country than it should be implemented.

Rate this: +4 -1

Hassic said: (Feb 20, 2018)  
In my point of view,

Digital payments secure enough, but the small-scale business will get the affect. Even nowadays many small-scale businesses based on only cash.

Rate this: +15 -5

Tharagesh S said: (Feb 20, 2018)  
I am Tharagesh.

We are talking about digital payments and it's security. Yeah, of course, it is a secure method of payment. It's very quick and easy to transfer money through mobile. So taking cash with us is not necessary.

Rate this: +7 -8

Hitesh said: (Feb 20, 2018)  
In today's modern world, carrying cash for every single thing becomes tedious, using digital money makes the work easier and faster.

Rate this: +5 -3

Reha said: (Feb 19, 2018)  
Yes, I definitely do believe that the Indian economy should go cashless for its own good that it had faced after the economic crunch of demonetisation, and talking about the safety of digital payments, well they are very much secure as there is an end to end encryption which automatically makes all your credits and debits safe without being hacked into by anyone for eg say we have Paytm and ahead of that is Tex which much faster and more secure as it keeps you linked to your bank account until and unless you are on this app and using it but also you receive direct message from your bank regarding your transaction so you never lose a track of it. Talking about the problems that people in rural areas might face can be resolved if the government provides proper means and resources so that they are not only made aware about this mode of payment but also it's pros and cons and how to deal if something goes wrong and whom to contact in such cases.

Rate this: +28 -5

Prasanna Kumar said: (Feb 19, 2018)  
Yes, it would be a great thing but the main problem is that in order to improve such thing first the literacy rate and standard of living should be improved then only the targeted goal can be achieved.

Rate this: +10 -0

Siya said: (Feb 19, 2018)  
Good afternoon!

The topic we got is are digital payments secure enough for the Indian economy to go cashless. Before starting the discussion let us understand the meaning of cashless. Cashless is one in which all the transactions are done using cards or digital means. The physical transaction is minimum. In India nearly less than 5% of transaction happen digitally, however, the finance minister in 2016 budget speech talked about making India cashless society with the main aim to reduce corruption. I would like to say that every coin has two sides. Even this has two sides it has its own pros and cons.

Some pros are.

1) 1in 7 notes are fake which causes a -ve impact on the Indian economy by doing digital payments this can be avoided.

2) time spent near the atms can be reduced.

3) there will be greater efficiency in welfare programs as the fund will be directly transferred to the account of the recipient.

4) reduces cost operation at the atms.

Some cons are.

1) the main problem is that people are not aware especially senior citizens and rural people about what is happening in digital transaction due to this they fall in the trap call fraud where without knowingly they give there account no and lose their money.

Even educated people are falling in this trap.

2) availability of internet.

3) people don't have sufficient facilities to use electronic items.

Though the government is trying its best recently it introduced an app called Bhim where all transaction are made digital. It introduced mobile wallets apart from this it should also educate people about it so that they can use it through thy have launched jan dhan yojana but all are lying unopened. It might take time to go cashless bot it is nt impossible.

Rate this: +67 -5

Harish J said: (Feb 19, 2018)  
To go cashless, is the growth of Indian technology and economy. But at this position of our country its not fair to go outside without money, since even India's economy is under growth and most of the Indian cities are unaware of the digital technology of India. Its better to develop the digital technology of India and go cashless anywhere.

Rate this: +4 -3

Ash said: (Feb 19, 2018)  
Yeah, there is need to go cashless for sake of growth but there is a twist. We are in India remember this India is highly populated with low literacy. This low literacy problem is the barrier in the way of going cashless. There are possibilities to steal money from people's digital account without any hacking just asking them there passwords and credentials. Before taking any step towards this we have to educate them how to use digital accounts.

Rate this: +9 -1

Thakur Sundram Singh said: (Feb 19, 2018)  
No, I think that this is not the right time for the introduction of cashless economy. Because there is not such major step is taken by government regarding its security.

On the other hand, in the rural area majority of people are not having smartphones and also not aware how to use it.

AS WE ALL ARE YOUTH OF INDIA WE ARE ALSO RESPONSIBLE FOR THE DEVELOPMENT OF OUR COUNTRY. So, we should take a step forward for the awareness of process of digital payment to the people who are not aware about it.

Security is not a major issue, government agencies is working on it. We all are aware about the government motive to link AADHAAR with all our transition accounts.

Rate this: +10 -3

Abhishek Choudhary said: (Feb 18, 2018)  
Offcourse, digital payement is helpfull to increase the growth of India and increase the repotation of Indian market among the international market. But it needs to be agreat change along with the life style of all category people, first we have to ilterate the people who is living in the village area becouse 48% of indian's population are living in villages and an good implimentation must be need for this digitelisation and must have a good security for save the large network.

Rate this: +2 -1

Arun said: (Feb 18, 2018)  
Absolutely, its a brilliant go cashless, and also if the government restrict the digital payment banks up to some standards. Because with a single click we are sending money here mobile num plays key role if we submit our mobile number entire bank details comings, so govt and users should aware of these to avoid any frauds. Otherwise, idea was superb.

Rate this: +2 -1

Asad Khan said: (Feb 18, 2018)  
In my point of view, digital mode of payments is very beneficial for our country especially for those who have know about it, but on the other hand we could see in rural areas most of the people are illiterate in our country, they don't have aware about it and that why they have fear to go digital mode of payment.

Rate this: +1 -1

Mohan Kumar said: (Feb 18, 2018)  
Yes, digital payements is better usefull for indians.

We can go anywhere without cash with of digital paymemts, if we go with money we should be in full of fear and stess because of having money.

Rate this: +6 -0

Jaya said: (Feb 18, 2018)  
Digital payment helps to make transactions more easier than old days. But most of the rural area people they don't have the basic necessity of needs. So after improving the level of all our country people and then we move on other stage. Now the cashless economy is not possible.

Rate this: +3 -0

Naveen said: (Feb 17, 2018)  
Yes, I believe that digital payment is quite secure for the Indian economy to cashless. Threats come only when we are not using them securely and fall trap to fake calls and share important information. There are many features which makes digital payment secure and one of the best feature is OTP which is real time and only remains active for few seconds. There is hardly any chance that a person would be in a position to cross different level of security as in case of any digital payment which is secure through pin, Transaction password and also in many case security questions.

The main hurdle is not security but gaining the confidence of people in feeling confident with digital payment as it can't be relied upon everywhere due to availability of swap machine in every location and strong network availability. People still prefer to carry hard cash with them.

Rate this: +4 -0

Ayush Singh said: (Feb 17, 2018)  
I would say that everything has some pros and cons. In a country like India, where the literacy rates are not at par with that needed for us to go cashless completely. Yeah, they are indeed secure enough but you can't go out everywhere expecting that you can pay by card. Moreover, there are situations where some transaction causes money to debit from one account but not debiting to the beneficiary's account. Seeing such cases people tend to become a bit tentative about these online transactions. So at first government should take proper steps to increase awareness amongst people, clear their fears regarding these issues and most importantly avail free internet access to common people.

Rate this: +3 -2

Riya said: (Feb 16, 2018)  
Yes, digital payment is very good and of course, it is necessary for a country to develop. But for country first to take look on literacy of peoples. First, give them training about all this. And then apply this in the system for smoothness of work. And also improve security services.

Rate this: +35 -13

Shantanu said: (Feb 16, 2018)  
Hello, dear friends.

The concept of digital India is very good and helpful for Indian economy. But first of all we have to develop and provide the internet facility to all peoples in a rural area and also generate awareness and trust among the people about benefits of cashless transactions. We also have to improve transparency in digital payments and built a strong shield to avoid cyber crime. The laws regrading cyber crime must needed to upgrade and more punishable.

Rate this: +15 -3

Vengadesh said: (Feb 16, 2018)  
Digital payment is Very important but this system is not secure for all type of people. Uneducated peoples having lot of lacking to learn about this so we need to teach about this system briefly to uneducated peoples and village people.

Rate this: +5 -8

Zudha said: (Feb 16, 2018)  
Yes, the central government takes steps to make digital India process. Digital payment is one of the steps to make digitized. One of the major advantage of digital payment to reduce block money from owners. The private organization appreciate contributing digital payment to give Cashback offer and etc. So digital payment is an advantage for us.

Rate this: +6 -2

Hari said: (Feb 16, 2018)  

India (125 crore pop) will get some time to change from current situation to digital payments. Well talking about security, it will go on increasing day by day as many countries are successfully digitalized.

Digitalization must be there.

Rate this: +7 -3

Shilpa said: (Feb 16, 2018)  
Yes, because everyone have different password and this digital payment concept is necessary for the development of Indian economy. And for every problem there will be a solution. Even carrying more cash also not safe so that digital payment is necessary.

Rate this: +10 -1

Chimbu said: (Feb 16, 2018)  
Yes, I support Digital payment. Because we save our Time, Also we can save our Nation. We gave our part to build our Nation Digitally.

Rate this: +7 -1

Safal said: (Feb 16, 2018)  
Yes, I think digital payment be secure enough for the Indian economy to go cashless as we know that many of us use Paytm as a payment option that's mean we trust on them trust on digital payment and lots of discount by payment by digitally.

But in rural areas, many of people don't have an account for digital payments then the government takes some action against them and secure the digital payment by the cyber crimes.

Rate this: +6 -0

Ansh Maurya said: (Feb 16, 2018)  
Good Morning friends:

Yeah, I support the digital payments are secure enough for the Indian economy. But currently, it's just a little bit.

We know that approx 70% of the people are living in the village, and most of them have no proper awareness of using the Internet and digital payments. Besides these, another thing such as false identity, hacking, no proper internet connection etc makes a fear on them. So I think first we should try to make aware to people with these.

And I am sure that, when these changes will complete, it will definitely be secure for the Indian economy.

Rate this: +8 -2

Vishe@Aspires said: (Feb 16, 2018)  
Yes, I would say. India being the second fastest growing economy in the world needs more alternative and digital payments have the solution to this. With vast population and the aftermat of demonetization it has pulled the economy down. Digital payment sites like paytm are secured enough and it will be a boost in the Indian economy, saving time and resources. Hence, ultimately going cashless will be the smartest choice by all.

Rate this: +6 -0

Edwin said: (Feb 15, 2018)  

Our topic of discussion is about the security of the digital payment for Indian economy. In my point of view I support for the digital payments. Because it is the faster mode of transaction and any person can send or receive money in anywhere. Only thing that need is the knowledge of Internet and online transaction. Demonetisation in India increases the digital payments.

So many peoples believes that digital payment is unsecur and they loss money if there is some sort of transaction failure. It is mainly due to lack of knowledge in Internet.

UPI Transaction will not cost any transaction fee. And it is easy to transact the money to anywhere within seconds. There by it increases the economy of India.

The major problem in India is that, majority of Indian peoples do not know how to use the smartphone and computers. Considering this facts this will be a great challenge to go the payments fully digital.

Thank you.

Rate this: +11 -4

Are digital payments secure enough for the Indian economy to go cashless?

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