Which is safer, net banking or UPI?

Both Net Banking and UPI are safe payment methods when utilized correctly and securely. UPI uses two-factor authentication, which often includes a UPI PIN and biometric verification, and eliminates the need to provide recipient bank details. Net Banking offers security through measures like two-factor authentication and time-limited sessions, though users should avoid using public Wi-Fi. It is essential to be cautious of scams regardless of the method.