DPI Weekly Deep Dive — RBI's 2FA Mandate Reshapes Digital Payments | Week of April 6-12, 2026

DPI Weekly Deep Dive — RBI’s 2FA Mandate Reshapes Digital Payments | Week of April 6-12, 2026 Executive Summary India’s digital payments landscape underwent its most significant security transformation since UPI’s launch on April 1, 2026. The Reserve Bank of India’s Authentication Mechanisms for Digital Payment Transactions Directions, 2025 came into full effect, mandating two-factor authentication (2FA) for all domestic digital payments. This regulatory overhaul moves beyond the prevalent SMS-based OTP model to embrace biometrics, device binding, hardware tokens, and risk-based authentication—representing a fundamental shift in how 200+ billion annual digital transactions are secured.1 ...

April 12, 2026 · 10 min · 1942 words

CERT-In — India's Cybersecurity Guardian

CERT-In — India’s Cybersecurity Guardian What is CERT-In? CERT-In (Indian Computer Emergency Response Team) is the national cybersecurity agency under MeitY. It coordinates responses to cybersecurity incidents, issues advisories, and protects India’s digital infrastructure. Functions Incident Response Cyber Incident Reporting: For attacks on Indian entities Rapid Response: Contain and mitigate threats Forensic Analysis: Investigate attacks International Coordination: With global CERTs Advisory & Guidelines Vulnerability Disclosures: Security alerts Best Practices: For organizations Compliance Requirements: Mandatory reporting Powers (Updated 2022 Directions) Directives 6-Hour Reporting: Incidents must be reported within 6 hours Log Retention: 180-day mandatory log storage KYC Sync: Customer details synchronization VPN Provider Data: 5-year retention Enforcement Penalty: Up to ₹1 crore for non-compliance Imprisonment: Up to 3 years for certain offenses IP Blocking: Can order blocking of malicious sites Incident Categories Reportable Incidents Malicious Code: Virus, ransomware, trojans Unauthorized Access: Hacking attempts Data Breach: Leaks of sensitive information DDoS Attacks: Service disruptions Phishing: Fraudulent emails/websites Identity Theft: Impersonation What to Report Government systems compromised Financial sector attacks Healthcare data breaches Telecom network incidents Critical infrastructure attacks Reporting Process How to Report Portal: https://www.cert-in.org.in Email: incidents@cert-in.org.in Phone: +91-1800-11-4649 (Toll-free) Format: Incident report template available Information Required Incident description Date/time of detection Systems affected Impact assessment Preliminary mitigation taken Services For Organizations Vulnerability Assessment: Scanning services Penetration Testing: Security testing Incident Response: 24/7 support Forensic Services: Evidence preservation For Citizens Advisories: Public alerts Malware Removal: Tools and guides Awareness: Cybersecurity tips Recent Initiatives Cyber Swachhta Kendra Botnet Cleaning: Free malware removal DNS Sanitization: Clean internet access Mobile Security: Android/iOS tools Cyber Surakshit Bharat Awareness Programs: For enterprises CISO Training: Security officer certification Best Practices: Guidelines Statistics (2024) Incidents Handled: 14+ lakh Breaches Reported: 200% increase Critical Infrastructure: 500+ protected Advisories Issued: 500+ Compliance for Organizations Mandatory Requirements Incident Reporting: 6 hours Log Retention: 180 days Synchronization: Customer data KYC Designated Officer: CISO appointment Sectors Affected Finance: Banks, NBFCs, insurance Healthcare: Hospitals, diagnostic labs Telecom: ISPs, operators Government: All ministries How Citizens Can Help Personal Security Update Software: Patch vulnerabilities Strong Passwords: Unique, complex Two-Factor Auth: Enable where possible Phishing Awareness: Don’t click suspicious links Reporting Cybercrime National Portal: https://cybercrime.gov.in State Police: Local cyber cell CERT-In: For critical infrastructure Prime References CERT-In Official - Main portal Incident Reporting - Report portal Cyber Swachhta - Cleaning tools MeitY - Parent ministry This 101 guide is part of DPIWatch’s citizen education initiative. Last updated: March 2026. ...

January 1, 2025 · 2 min · 401 words