{"id":39637,"date":"2025-10-02T18:47:45","date_gmt":"2025-10-02T13:17:45","guid":{"rendered":"https:\/\/edunovations.com\/currentaffairs\/?p=39637"},"modified":"2025-10-02T18:47:47","modified_gmt":"2025-10-02T13:17:47","slug":"rbi-two-factor-authentication","status":"publish","type":"post","link":"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/","title":{"rendered":"RBI Two-Factor Authentication Mandate for Digital Payments from April 2026"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#RBI_mandates_two-factor_authentication_for_digital_payments_from_April_2026_to_enhance_security_reduce_fraud_and_protect_consumers_Learn_methods_timelines_and_compliance_details\" >RBI mandates two-factor authentication for digital payments from April 2026 to enhance security, reduce fraud, and protect consumers. Learn methods, timelines, and compliance details.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Introduction_to_RBIs_New_Digital_Payment_Guidelines\" >Introduction to RBI&#8217;s New Digital Payment Guidelines<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Understanding_Two-Factor_Authentication_2FA\" >Understanding Two-Factor Authentication (2FA)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Approved_Methods_for_2FA\" >Approved Methods for 2FA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Implementation_Timeline\" >Implementation Timeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Impact_on_Financial_Institutions_and_Consumers\" >Impact on Financial Institutions and Consumers<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Why_This_News_Is_Important\" >Why This News Is Important<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Strengthening_Digital_Payment_Security\" >Strengthening Digital Payment Security<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Encouraging_Technological_Advancements\" >Encouraging Technological Advancements<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Aligning_with_Global_Standards\" >Aligning with Global Standards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Promoting_Consumer_Confidence\" >Promoting Consumer Confidence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Preparing_for_Future_Challenges\" >Preparing for Future Challenges<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Historical_Context\" >Historical Context<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Evolution_of_Digital_Payments_in_India\" >Evolution of Digital Payments in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#RBIs_Previous_Initiatives\" >RBI&#8217;s Previous Initiatives<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Key_Takeaways_from_RBI_Mandates_2FA_for_Digital_Payments\" >Key Takeaways from RBI Mandates 2FA for Digital Payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#FAQs_on_RBI_Mandates_Two-Factor_Authentication_for_Digital_Payments\" >FAQs on RBI Mandates Two-Factor Authentication for Digital Payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/rbi-two-factor-authentication\/#Some_Important_Current_Affairs_Links\" >Some Important Current Affairs Links<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RBI_mandates_two-factor_authentication_for_digital_payments_from_April_2026_to_enhance_security_reduce_fraud_and_protect_consumers_Learn_methods_timelines_and_compliance_details\"><\/span>RBI mandates two-factor authentication for digital payments from April 2026 to enhance security, reduce fraud, and protect consumers. Learn methods, timelines, and compliance details.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>RBI Mandates Two-Factor Authentication for Digital Payments from April 2026<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction_to_RBIs_New_Digital_Payment_Guidelines\"><\/span>Introduction to RBI&#8217;s New Digital Payment Guidelines<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Reserve Bank of India (RBI) has introduced the &#8220;Authentication Mechanisms for Digital Payment Transactions Directions, 2025,&#8221; mandating two-factor authentication (2FA) for all digital payment transactions in India. This directive, effective from April 1, 2026, aims to bolster security and reduce fraud in the rapidly growing digital payment landscape.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_Two-Factor_Authentication_2FA\"><\/span>Understanding Two-Factor Authentication (2FA)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Two-factor authentication requires users to provide two distinct forms of identification before completing a transaction. The RBI&#8217;s new guidelines specify that one of these factors must be dynamic, unique to each transaction, and generated in real-time. This approach enhances security by ensuring that even if one factor is compromised, the transaction remains protected.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Approved_Methods_for_2FA\"><\/span>Approved Methods for 2FA<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The RBI&#8217;s framework allows for various authentication methods, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SMS-based OTPs<\/strong><\/li>\n\n\n\n<li><strong>Biometric authentication<\/strong> (e.g., fingerprint or facial recognition)<\/li>\n\n\n\n<li><strong>Device-based tokens<\/strong><\/li>\n\n\n\n<li><strong>Passphrases and PINs<\/strong><\/li>\n<\/ul>\n\n\n\n<p>These options provide flexibility for users and institutions to choose the most suitable method for secure transactions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Implementation_Timeline\"><\/span>Implementation Timeline<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The RBI has set the following deadlines for compliance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>April 1, 2026<\/strong>: Mandatory 2FA for all domestic digital payment transactions.<\/li>\n\n\n\n<li><strong>October 1, 2026<\/strong>: Additional authentication required for non-recurring, cross-border card-not-present transactions.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact_on_Financial_Institutions_and_Consumers\"><\/span>Impact on Financial Institutions and Consumers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Financial institutions must update their systems to integrate the new authentication methods, ensuring compliance with the RBI&#8217;s guidelines. Consumers will benefit from enhanced security measures, reducing the risk of fraud and unauthorized transactions. However, they may need to familiarize themselves with new authentication processes.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\" id=\"RBI-Two-Factor-Authentication\"><img decoding=\"async\" src=\"https:\/\/images.cnbctv18.com\/uploads\/2025\/09\/image-2025-09-163db61f59d2a55791e5cb99b5d7afd4.jpg?impolicy=website&amp;width=400&amp;height=225\" alt=\"RBI Two-Factor Authentication\" style=\"width:562px;height:auto\" title=\"RBI Two-Factor Authentication\"\/><figcaption class=\"wp-element-caption\">RBI Two-Factor Authentication<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_This_News_Is_Important\"><\/span><strong>Why This News Is Important<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Strengthening_Digital_Payment_Security\"><\/span>Strengthening Digital Payment Security<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>With the increasing reliance on digital payments, ensuring their security is paramount. The RBI&#8217;s mandate for 2FA addresses the growing concerns over cyber threats and fraud, aiming to create a safer digital transaction environment. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Encouraging_Technological_Advancements\"><\/span>Encouraging Technological Advancements<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>By allowing various authentication methods, the RBI encourages innovation in the fintech sector. This flexibility can lead to the development of more efficient and user-friendly security solutions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Aligning_with_Global_Standards\"><\/span>Aligning with Global Standards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The RBI&#8217;s guidelines align with international best practices for digital payment security, enhancing India&#8217;s position in the global digital economy. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Promoting_Consumer_Confidence\"><\/span>Promoting Consumer Confidence<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Enhanced security measures are likely to increase consumer confidence in digital payments, potentially leading to higher adoption rates and economic growth.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preparing_for_Future_Challenges\"><\/span>Preparing for Future Challenges<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The RBI&#8217;s proactive approach in setting these guidelines prepares the financial ecosystem for future challenges in digital payment security, ensuring long-term sustainability.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historical_Context\"><\/span><strong>Historical Context<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evolution_of_Digital_Payments_in_India\"><\/span>Evolution of Digital Payments in India<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>India has witnessed a significant transformation in its payment systems, from traditional cash transactions to digital platforms. The introduction of the Unified Payments Interface (UPI) in 2016 revolutionized the way transactions are conducted, making them faster and more accessible. However, this rapid growth also brought about challenges related to security and fraud prevention.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RBIs_Previous_Initiatives\"><\/span>RBI&#8217;s Previous Initiatives<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Prior to the 2025 guidelines, the RBI had implemented various measures to enhance digital payment security, including the introduction of two-factor authentication in 2018. The current mandate builds upon these efforts, introducing more robust and flexible authentication mechanisms to address evolving security threats. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Takeaways_from_RBI_Mandates_2FA_for_Digital_Payments\"><\/span><strong>Key Takeaways from RBI Mandates 2FA for Digital Payments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>No.<\/th><th>Key Takeaway<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td><strong>Mandatory 2FA<\/strong>: Effective April 1, 2026, all digital payment transactions require two-factor authentication.<\/td><\/tr><tr><td>2<\/td><td><strong>Dynamic Authentication<\/strong>: One of the authentication factors must be dynamic, unique to each transaction.<\/td><\/tr><tr><td>3<\/td><td><strong>Approved Methods<\/strong>: Authentication can include SMS-based OTPs, biometrics, device tokens, passphrases, and PINs.<\/td><\/tr><tr><td>4<\/td><td><strong>Implementation Deadlines<\/strong>: Domestic transactions must comply by April 1, 2026; cross-border transactions by October 1, 2026.<\/td><\/tr><tr><td>5<\/td><td><strong>Enhanced Security<\/strong>: The new guidelines aim to reduce fraud and increase consumer confidence in digital payments.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">RBI Two-Factor Authentication<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_on_RBI_Mandates_Two-Factor_Authentication_for_Digital_Payments\"><\/span>FAQs on RBI Mandates Two-Factor Authentication for Digital Payments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. What is the RBI mandate regarding digital payments from April 2026?<\/strong><br>The Reserve Bank of India has mandated two-factor authentication (2FA) for all digital payment transactions in India, effective April 1, 2026, to enhance security and reduce fraud.<\/p>\n\n\n\n<p><strong>2. What is Two-Factor Authentication (2FA)?<\/strong><br>Two-factor authentication is a security process where a user must provide two distinct forms of identification before completing a transaction. One of these factors must be dynamic and unique for each transaction.<\/p>\n\n\n\n<p><strong>3. Which methods are approved for 2FA in digital payments?<\/strong><br>RBI allows SMS-based OTPs, biometric verification (fingerprint or facial recognition), device-based tokens, passphrases, and PINs as valid authentication methods.<\/p>\n\n\n\n<p><strong>4. What is the deadline for domestic and cross-border transactions?<\/strong><br>Domestic digital payment transactions must comply by April 1, 2026, while non-recurring cross-border card-not-present transactions must comply by October 1, 2026.<\/p>\n\n\n\n<p><strong>5. How will 2FA impact consumers and financial institutions?<\/strong><br>Consumers will experience enhanced security and reduced fraud risk, while financial institutions must upgrade systems to integrate new authentication methods, ensuring compliance.<\/p>\n\n\n\n<p><strong>6. Why is RBI implementing 2FA for all transactions?<\/strong><br>To reduce cyber fraud, strengthen digital payment security, align with global standards, and boost consumer confidence in digital financial systems.<\/p>\n\n\n\n<p><strong>7. What role does technology play in RBI\u2019s 2FA guidelines?<\/strong><br>The RBI encourages innovation in fintech by allowing flexible authentication methods, promoting secure and user-friendly solutions for digital payments.<\/p>\n\n\n\n<p><strong>8. Has RBI introduced 2FA before?<\/strong><br>Yes, RBI introduced 2FA in 2018, but the 2025 guidelines expand and strengthen these measures to address evolving threats and include more flexible authentication options.<\/p>\n\n\n\n<p><strong>9. Will this mandate affect all payment methods?<\/strong><br>Yes, it covers all domestic digital payments, including cards, UPI, and online banking transactions.<\/p>\n\n\n\n<p><strong>10. How does 2FA improve consumer confidence?<\/strong><br>By adding an additional security layer, consumers are more likely to trust digital transactions, leading to higher adoption of digital payment systems.<\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Some_Important_Current_Affairs_Links\"><\/span>Some Important Current Affairs Links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/national\/\" target=\"_blank\" rel=\"noreferrer noopener\">State Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/sports\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sports Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--3\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/international\/\" target=\"_blank\" rel=\"noreferrer noopener\">International Current Affairs<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/banking\/\" target=\"_blank\" rel=\"noreferrer noopener\">Banking Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/railway\/\" target=\"_blank\" rel=\"noreferrer 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RBI Mandates Two-Factor Authentication for Digital Payments from April 2026 Introduction to RBI&#8217;s New Digital Payment Guidelines The Reserve Bank of India (RBI) has introduced the &#8220;Authentication Mechanisms for Digital Payment&#8230;<\/p>\n","protected":false},"author":6,"featured_media":39676,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,14],"tags":[28582,337,28583,11731,15233,339,16694],"class_list":["post-39637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national","category-banking","tag-2fa","tag-digital-payments","tag-fintech-regulations","tag-fraud-prevention","tag-payment-security","tag-rbi","tag-two-factor-authentication"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/39637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/comments?post=39637"}],"version-history":[{"count":3,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/39637\/revisions"}],"predecessor-version":[{"id":39677,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/39637\/revisions\/39677"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media\/39676"}],"wp:attachment":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media?parent=39637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/categories?post=39637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/tags?post=39637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}