How does UPI ensure secure transactions?

UPI ensures secure transactions through several measures. It uses end-to-end encryption to safeguard data transferred. Transactions require a unique UPI PIN for authorization, ensuring only authorized users can initiate payments. Additionally, UPI uses a Virtual Payment Address (VPA) or UPI ID, allowing users to send and receive money without disclosing sensitive bank details, enhancing confidentiality. Banks and service providers also monitor activity for fraud in real-time.