RBI’s Digital Payments Intelligence Platform to Curb Fraud

14 October 20251 min read

Why in the news

RBI is working on an AI system that flags fraudulent digital payments before money moves.

Pilot began with five banks; now widening to over a dozen lenders.
An independent entity will run it, pooling data on mule accounts, telecom signals and geography.
Alerts arrive before a suspicious transaction is completed.

Phase 1: negative registry fed by telecom firms and I4C to flag suspicious entities.
Phase 2: live fraud-data sharing; risk scores prompt due diligence, extra verification or temporary debit freezes.

1. What does DPIP stand for in RBI's fraud-fighting initiative?

DPIP is the Digital Payments Intelligence Platform.

2. Which tool was created in Phase 1 of DPIP?

Phase 1 built a negative registry of suspicious entities.

3. How many banks were onboarded initially on DPIP before expansion?

Five banks were onboarded first, with over a dozen lenders planned.

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