Lt. Gen. M. U. Nair
As India confronts a sharp rise in cyber fraud— particularly socially engineered “digital arrest” and impersonation scams— there is growing discussion around introducing a digital “kill switch” to halt fraudulent transactions.
What India needs instead is not an emergency brake, but intelligent friction: a calibrated, risk-based intervention that slows down high-risk transactions just enough to disrupt fraud, without undermining trust, efficiency, or the credibility of digital payments.
The fundamental weakness of a kill-switch approach lies in how most cyber fraud actually occurs. Contemporary scams rarely exploit system vulnerabilities. They exploit human psychology. Victims are coerced through fear, authority, urgency, or greed, and are often manipulated into acting against their own instincts.
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