Strengthening Digital Payment and Security using AI, Big Data, and Cybersecurity in India

Jignesh Bari; Ritesh Pawar; Ishita Holkar; Rutuja Dekate

Strengthening Digital Payment and Security using AI, Big Data, and Cybersecurity in India

Author(s)	Mr. Jignesh Bari, Mr. Ritesh Pawar, Ms. Ishita Holkar, Ms. Rutuja Dekate
Country	India
Abstract	India's digital payment system has grown fast over the last ten years. The Unified Payments Interface and services linked to Aadhaar have helped hundreds of millions of people live in a cashless economy. More people are using their smartphones now, which is why. I believe this is a good deal. This growth is real and very important. We should pay attention to India's digital payment system. The risks have also grown as more people use payments. There have been times when people have lied and stolen data. Attacks that people didn't expect have cost them money. This is a problem. This paper examines the enhancement of India's digital payment system through the integration of artificial intelligence, big data analytics, and robust cybersecurity measures. We learned about the threats by looking at research, government reports, and data. We also looked at technologies and the environment and found areas where things could be better. Our main findings show that fraud detection systems that use AI are better than those that use rules. Biometric authentication is very useful. Behavioural authentication gives you more security. More and more institutions are using zero-trust architecture as a standard. The technology isn't enough. Social engineering attacks are effective due to users' lack of awareness regarding the threat. Designing for people who are digitally literate and making it easier to file complaints are just as important as any algorithm. The paper concludes with suggestions for policymakers, banks, tech companies, and civil society. They are all responsible for making sure that a payment system that affects more than a billion people in India is safe. India's digital payment system and artificial intelligence will help keep it safe and secure. Everyone should be able to trust and use India's digital payment system safely. Digital payments and AI in India are here to stay. Will keep getting bigger. We need to get used to it.
Keywords	Digital Payments, UPI, Artificial Intelligence, Big Data, Cybersecurity, Fraud Detection, Financial Inclusion, India, Zero-Trust Architecture, Biometric Authentication
Field	Business Administration
Published In	Volume 7, Issue 2, March-April 2026
Published On	2026-04-15

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Strengthening Digital Payment and Security using AI, Big Data, and Cybersecurity in India

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