Innovation in the payment landscape surfaced and skyrocketed with smartphones fast becoming the go-to convenience mode of entertainment and bill payments. On the flip side, increased adoption of multiple payment modes - such as cards, wallets, UPIs, and QR codes - has abetted fraudsters with unprecedented opportunities to exploit digital payments and human mind or emotions. https://www.4shared.com/u/aovW1iF2/somej92386.html