Experts hail RBI’s digital payment authentication overhaul as a leap toward secure, risk-based transaction ecosystem
India’s digital payments landscape is set for a major transformation as the Reserve Bank of India (RBI) rolls out its new authentication framework, effective April 2026. The overhaul, announced through the Digital Payment Transactions Authentication Directions, 2025, mandates dynamic, two-factor authentication for all digital transactions, moving beyond the long-standing reliance on SMS-based OTPs. Experts across…