Section outline

  • Common Frauds & How to Stay Safe 🔐🚫

    As digital money grows, so do the tricks people use to cheat. But don’t be scared — just be smart and alert. Knowing how these scams work is the best protection you can have.

    • 🔹 Common Types of Digital Scams

      • 🔗 Fake Links: SMS or WhatsApp messages asking you to click a link to "verify your account" or "win a prize"
      • 📞 Fake Calls: Someone pretending to be from your bank asking for your OTP or PIN
      • 📤 UPI Request Scam: You’re asked to “approve” a collect request, and money gets deducted
      • 📱 Remote App Fraud: A fraudster asks you to install apps like AnyDesk/TeamViewer to "help" you — and steals control of your phone

    • 🔹 Social Engineering Scams 🧠🎭

      Social engineering means using emotions — like fear, urgency, or trust — to trick people. Scammers often say:

      • “Your account will be blocked!”
      • “I’m calling from SBI. Tell me your OTP to reactivate your card.”
      • “You’ve won ₹1 lakh – just pay a small fee to claim it.”

      Always remember: Banks or government officials will NEVER ask for PINs, OTPs, or passwords. If they do — it's a scam.

    • 🔹 How to Stay Safe

      • 🚫 Never share your UPI PIN, ATM PIN, or OTP — with anyone
      • 🔍 Only use official bank apps and websites
      • 📴 Don’t install screen-sharing apps unless from a trusted source
      • 👩‍⚖️ Report frauds to your bank immediately and register complaint at cybercrime.gov.in

      🧩 Practice Activity: UPI Confidence Builder

      1. Open your UPI app (like PhonePe or Google Pay)
      2. Send ₹5 to a trusted friend or family member using their UPI ID
      3. Check the mini statement and take a screenshot
      4. Try scanning a QR code of your own Paytm or GPay — without making a payment

      💡 This simple activity builds real-world confidence without any risk.

      🌸 Final Thought

      Fraudsters rely on fear and confusion — but you now have awareness. Trust your instincts, ask questions, and never rush. Your money and peace of mind are worth protecting. 💪🏽💖