Author

Divyaraj Parmar

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Review Open access Aug 2026

A REVIEW OF AUTHENTICATION MECHANISMS IN INDIA’S DIGITAL PAYMENT ECOSYSTEM: FROM OTP TO BEHAVIOURAL BIOMETRIC, IN LIGHT OF RBI’S 2025 AUTHENTICATION DIRECTIONS

The paper concludes that OTP-based systems are also important, but also become increasingly inadequate as a solution to today's frauds, due to their susceptibility to interception, manipulation, and social engineering.

Divyaraj Parmar, P. Rathod, Vatsal Chandrapal et al. · International journal of com... · 0 citations