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Recent developments have accelerated the move in India towards a cashless economy. The Jan Dhan Yojana (Jan Dhan government scheme) announced in 2014 is one example, providing for the cost-free creation of a bank account for every Indian family. Each bank account is also accompanied by a RuPay debit card for withdrawing money deposited in the account. The currency demonetization at the end of year 2016 with the removal of certain denominations of banknotes from circulation is another example. Additional initiatives and service offerings are also now encouraging the use of cashless transactions via online banking, payment cards, e-wallets, direct carrier billing, and cryptocurrency.
This guide to the cashless economy in India and the cyber security considerations that go with it, have been written with the following audiences in mind:
• Financial institutions that want to create a payment application
• Private companies that want to offer or maintain digital wallets
•...
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