I withheld using UPI through the pandemic and a long while after that because of the no. of fraud cases I kept reading about and my reservations about UPI’s origins. But gave in and got in after moving to a new city and getting stuck in multiple places for the want of 5/10 rupees in change that somehow nobody seemed to had.

I mostly just use it my grocery store and vegetable store or in those no-change situations. Yet, in the last week alone I have blocked at least 3 WhatsApp chats from unknown numbers about offers, business deals, one even very friendly female hi.

Now I know from where