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IndiaUPI, RBI and the 2027 liability framework.
SingaporePayNow and the Shared Responsibility Framework.
MalaysiaDuitNow and BNM’s anti-scam measures.
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The rule map
India
UPI fraud preventionA UPI payment, step by step, on the customer’s phone.
RBI’s Authentication Directions, 2025In force since 1 April 2026.
RBI’s 2027 liability frameworkApplies to digital transactions from 1 January 2027.
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Risk-based authentication

Risk-based authentication adjusts the checks a customer faces to the risk of the moment, adding a step-up only when the session calls for it.

Glossary, A to Z

India’s Authentication Directions, in force since 1 April 2026, keep two factors as the baseline, keep SMS OTP as a valid factor and allow risk-based checks beyond them.

Source: RBI, Sep 2025 (opens in a new tab)

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