UPI vs Digital Wallet: What’s the Difference?

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In today's digital age, people don't like to carry cash. Now everything has become online - whether it is shopping, paying bills or transferring money. The two most popular digital payment options in India are UPI (Unified Payments Interface) and Digital Wallet. Many people consider these two to be the same, but in reality their working method, features and benefits are different. In this blog, we will learn in detail what UPI and digital wallet are, how they work, and what are the main differences between them. What is UPI? The full form of UPI is Unified Payments Interface. It was launched by NPCI (National Payments Corporation of India) in 2016. UPI is a system through which you can transfer money directly from your bank account to another person's bank account - that too without entering IFSC code, account number, just by mobile number or UPI ID. Main advantages of UPI: Send or receive money directly from your bank Real-time transactions Available 24x7 ...

Cybersecurity Tips Every Internet User Should Know

Today is the digital age. We all use the internet – we do banking from mobile, do online shopping, use social media, and save our personal data online. But as our lives are becoming digital, so is the risk of cyber threats.


Therefore, every internet user must know some basic cybersecurity tips so that he can keep himself safe online. In this blog, we will know in very simple Hindi – what is cybersecurity, why is it important and what important things you should keep in mind.

What is Cybersecurity?

Cybersecurity means keeping your information, devices, and accounts safe on the Internet.
It protects:

  • From hackers

  • From viruses and malware

  • From online fraud and scams

  • Data theft and misuse of personal information

What are cyber threats?

  1. Phishing: Stealing your personal information by creating a fake email or website

  2. Hacking: Breaking into your accounts, mobile or computer without permission

  3. Malware and viruses: Software that harms your device

  4. Ransomware: A virus that locks your files and demands money

  5. Identity Theft: Stealing your identity (e.g. Aadhaar, Password) and doing wrong

Now let us know some important and easy tips which every internet user should follow.

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1. Create strong passwords and change them frequently

  • Include uppercase letters, numbers, and special characters in your password

  • As:Mera@Pass1234

  • Keep a different password for each account

  • Change your password every 3-6 months

  • Don't write down passwords, use a password manager

2. Turn on two-factor authentication (2FA)
Whenever a website gives you the option of 2FA, make sure to turn it on. This will allow you to login not just with a password, but with an OTP or app code. This doubles your security.

3. Don't click on unknown emails, links or messages

  • If you receive a suspicious email that says things like “You won!”, “The bank is going to close!”, or “Transfer money” – be cautious

  • Do not open any file or link without thinking

  • Note: Government agencies never ask for password or OTP via email or SMS

4. Make sure to have antivirus software on your device

  • Install a good antivirus on both your mobile and computer

  • Scan periodically

  • Do not download free or cracked versions from the internet – this may cause viruses

5. Share limited information on social media

  • Do not share your mobile number, address, school/office information with everyone

  • Do not post personal things on public posts

  • Do not accept friend requests from strangers

6. Be cautious of public Wi-Fi

  • The free Wi-Fi available in hotels, railway stations, malls etc. is not always safe

  • Use a VPN if necessary

  • Don’t do online banking or shopping using public Wi-Fi

7. Keep your software and apps updated

  • Update your system, apps, and browser regularly

  • Older versions have security flaws

  • Keep the automatic update option on

8. Keep your mobile locked

  • Use passcode, pattern or biometric lock

  • Keep features like “Find My Device” turned on so the phone can be located if it is stolen

9. Check the security of websites (HTTPS)

  • Whenever you open a website, see if the URL https://starts with

  • If the site has a lock (🔒) icon, understand that the website is secure

  • Do online shopping or banking on similar websites

10. Think before sharing personal data

  • Check the permissions of any app or website before giving it access

  • Provide as much information as necessary

  • Do not share your Aadhaar, PAN, bank details with anyone

11. Be careful in banking and digital payments

  • Do not share your UPI PIN with anyone

  • Be careful with stranger calls on your mobile phone

  • If someone says “Your KYC is over” – don’t believe it immediately, contact the bank yourself

12. Take regular backups

  • Backup important files, photos, documents from time to time

  • You can save it to a pen drive, hard disk or cloud (Google Drive, Dropbox)

  • With this, if your system gets hacked or the data gets deleted, you can get it back

13. Teach online safety to children too

  • Tell children who they should and should not talk to on the Internet

  • Use parental control apps

  • Teach children not to share private information

14. How to report cybercrime?
If you become a victim of online fraud, hacking or cybercrime, report it immediately:

  • www.cybercrime.gov.in

  • Contact your nearest cyber cell

  • Call 1930 (Cyber ​​Fraud Helpline)

Conclusion

Cybersecurity is important not just for IT experts but for every common internet user.
A little caution can save you from major losses. Do use the internet, but be cautious. Remember – “Safety lies in caution.”



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