What is the threat behind using UPI?

Security concerns for UPI users primarily involve various scams and fraudulent activities. These threats include phishing (fake messages/links), vishing (deceptive phone calls asking for sensitive information like PINs or OTPs), smishing (dangerous text messages), and remote access scams where fraudsters gain control of your device. Users also face risks from fake UPI applications and tampering with payment links or QR codes. To stay safe, always use official apps and never share your PIN or OTP.