• Sadhana Singh
• Shikhar Raj
• Shreya Tyagi

Unified payments interface is a very important element of digital finance. In this paper, we will learn about the UPI and the fraudulent activities related to UPI. The technology used to detect and stop fraud in UPI is known as the UPIGAURD, this technology helps in detecting fraud using machine learning and artificial intelligence. UPI or unified payments interface is a real-time payment system in India that facilitates instant money transfer using mobile, using UPI is beneficial because it helps in money transfer from one bank account to another bank account without any deduction of taxes and charges. Everything that comes with a benefit has its disadvantages, UPI can cause a lot of easement but with this, comes fraud, many fraudulent activities and, incidents have come up regarding UPI suggesting that all of the money in the account is stolen using access to the UPI.

UPI Fraud, SIM swap fraud, digital finance, security measures and financial transactions.

"UPIGUARD: Secure Your UPI Transactions", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 1, page no.a11-a13, January-2024, Available :http://www.jetir.org/papers/JETIR2401003.pdf

"UPIGUARD: Secure Your UPI Transactions", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 1, page no. ppa11-a13, January-2024, Available at : http://www.jetir.org/papers/JETIR2401003.pdf