Online Banking & Application chungchang

“G-PAY, PAYTM, WHATSAPP PAY ETC. RBI APPROVED A NI LO” – BANK ???

A chunga inziak ang khian UPI third party apps ho (Gpay, Paytm, WhatsApp, Amazon Pay etc.) hi Bank lamin RBI Approved a nih loh thu an sawi fo ṭhin a, a bîk takin SBI lam phei chu an duhâm fâl deuh nge maw ni! An bank-a an puihna dil tepawh YONO hmang lo chu an puih ṭhat duh loh thu tlangkama sawi a awm ta fo mai. 

Mipui tam takin UPI payment an hlauhthawn phah a, Third Party Apps hmang ngam lo pawh an awm ta nual mai a. Chuvang chuan UPI (Unified Payment Interface) leh UPI hmang Bank link tu Apps ho hi RBI hriatpui a ni reng em? Tih chu ka thiam dan danin ka rawn sawifiah ve dawn a ni. (Banking lama mithiam ka nih loh avangin sawisual palh ka neih chuan min lo correct dawn nia).

RBI-IN A APPROVED EM?

1. RBI website-a documents an upload na portal-ah chuan “Payment and Settlement in India” tih e-book upload a ni a, chu lehkhabu page no. 35 ah chuan (UPI a hrilhfiah na ah) UPI chu Mobile based fast payment system a nih thu te 365x24x7 active thei tura duan a nih thu te, P2P (Pawisa in pek tawnna) te, P2M (Insumdawn tawnna) atân te hman theih a nih thu te a tarlang. QR Code hmanga sum pêkchhuah theih a nih thu te, Bill pêk nana hman theih a nih thu te pawh a tarlang bawk. Mobile Application pakhat ah Bank hrang hranga account linked theih a nih thu thlengin a tarlang a, chu mai bakah NPCI (National Payment Corporation of India) chu Network leh Service Provider an nih thu a tarlang bawk. A awmzia chu Server down chungchang velah NCPI in mawh a phur tihna a nih ber chu. 

Tin, Payment System Providers chu bank an nih thu te a lang bawk a, hemi awmzia chu pawisa pêkchhuah leh dawn chungchangah Account hawnna bank te kha mawhphurtu an nih thu a lang. Chumai pawh ni lovin Gpay, Paytm, TrueCaller, WhatsApp te chu Third Party Apps (TPAPs) hrang hrang example ah a hmang nghe nghe. Heng TPAPs bakah hian Non-Bank PPI Issuer (Bank ni lem lo a prepaid tih theihna Eg. Airtel or Jio a recharge na) thleng hian pawm an nih thu a tarlang kalh bawk a ni. He lehkhabu hi a rintlak a ni tih chian nan RBI Governor Shaktikanti Das in Foreword a ziah bâkah a tâwpa Issuer ah RBI Central Office a nih thu ka lo sawi lang ve hrim hrim a ni. RBI berin hetiang khawp a chianga a sawi hi “RBI approved loh” ti a an sawi fo hi an buaipui peih loh vânga mipui bum mai an ni angem? Nge an Apps YONO kha hmang an tam chuan an tân hlâwkna a awm thei tihna zâwk ni ang? ( Source : https://rbidocs.rbi.org.in/rdocs/Publications/PDFs/PSSBOOKLET93D3AEFDEAF14044BC1BB36662C41A8C.PDF )

2. Phek 59 na ah pawh heng Third Party Apps te hian Bank hnenah permission an dil anga, pawmsak an lo nih chuan Online Transaction ah an telve phalsak an nih thu a lang a. Gpay I download-a I in Sign In dawn a, I account hawnna bank kha select tura a lo awm chuan I account hawnna bank khan I third party apps kha a approved tawh tihna a ni. A awmzia chu RBI bakah I account hawnna ngei pawh in a approved tawh apps a ni tihna a ni. Heng apps te hian him tak chung siin hmasâwnna an thlen thu a sawi bawk a. Third Party apps-a transaction zawng zawng kha Bank through-a tih a nih thu pawh tarlan a ni. Tin, hêng bâkah hian Third Party Apps 20 chuang an awm thu a sawi a, chûng zîngah chuan Gpay leh Whatsapp te chu entirna ah a rawn hmang nawn leh ngat bawk. Bank hrang hrang te hmun khata sawikhawm turin hmanraw ṭangkai tak a nih thu a sawi a, RBI lam hian a approved mai ni lovin a promote zâwk mah mah a ni.

3. September ni 14, 2021 leh December Ni -8,2021 –a Chief General Manager of RBI Yogesh Dayal hminga Press Release tih chhuah ah pawh, Cross-Border Transaction (Ram hrang leh ram hrang inkara sum inthawnna) atana a ṭangkai tur thu leh Project a awm thu te, Singapore nen thawk ho-a UPI hmanga Sum transfer dan hmalâkna a awm thu te tarlan a ni. Tih hmasawn tum mek zawk a nih chu. Chumai bakah Digitisation ti hmasawn tu atâna hmanraw ṭangkai a nih thu tarlan a ni bawk. Heng te hian UPI Bhim leh a linked apps (Third Party Apps) ho RBI in a approve zia a tarlang chiang hle a ni. ( https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=52223 &  https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=52688 )  

4. NPCI website-ah pawh RBI in Third Party Apps a approved list tarlan a ni a, Apps 25 an awm, chung zingah chuan kan hman tlanglawn hrang hrang Gpay, PayTm, Phonepe, Amazon Pay, Mi Pay etc. te an awm vek. NPCI hi No.1 kan sawi lehkhabu page 11. ah khian Indian Bank Association leh RBI ṭangkawpin an din leh an enkawl a nih thu a tarlang bawk. NPCI Website hi Website rintlak a ni. ( https://www.npci.org.in/what-we-do/upi/3rd-party-apps )

TRANSACTION FAILED LEH PAWISA RAWN KIR LO-AH “BANK IN MAWH KAN PHUR LO” AN TI ṬHIN EM?

1. A chunga kan sawi tak point no.2 ah khian heng third party apps te hi Bank in an recognised leh an approved loh chuan a hman theih loh tih a tilang chianga, mawh kan phur lo pawh ti se, an mawhphurhna tho tho tih hriat a ṭha khawp mai. Bank Transaction zawng zawng chhui a en dik thei tu chu I account hawnna Bank chiah kha an nih avangin an mawh a ni.

2. Hetiang buaina chungchanga NPCI website-a FAQ pawhin account I neihna Bank Customer Support be turin thu a rawn a ni. RBI hnuaia Digital transaction buaipuitu berin chu chu an thu rawn a nih chu,Third Party Apps a nih vang ringawtin local branch ten kan kut a ni lo an ti thiang lo a ni.

A HIM TAWK EM?

 RBI meuhin a promote leh tih changtlun a tum mek leh a hmalakna ni mek chu a rintlak tawk turah ngai ila. I bank details tuma hnenah I hrilh loh chuan a him tura ngaih a ni. I mobile phone I tih bo palh pawh in I UPI Pin an hriat loh chuan a him tâwk tho a, mahse fimkhur thu-ah I mobile phone hetiang apps nena I link na I tih bo chuan I linked phone number kha office ah deactivate la, I apps ho kha I activate leh hma chuan transaction a tih theih loh nghal ang. Tin, Call emaw Message emaw WhatsApp message hmanga details in dil emaw OTP in dil emaw in a him lo ve thei bawk. Chutiang lakah chuan fimkhur hle tur a ni. I bank details midang hrilh loh a him ber.

TUNLAI PAWISA CUT CHUNGCHANG HI

 OTP in dil emaw Bank Details in dil emaw, ATM Card tih bo emaw, Phone Call engmah dawng lova an account-ah pawisa in cut a awm a nih chuan, Third Party Apps hman vang ni lovin an bank-a I account security zawk a him tawk lo tihna a ni thei. Tuna Whatsapp message darhzau angreng tak “Third Party Apps hmang hlirin heng harsatna hi an tawk” tih hi Third Party Apps an hman avangin an account a him lo tih finfiah nan a tling lo. Third Party Apps hmang kan tam em avangin buai tawk pawh kan zing ami kha ani tihna mai a ni. 

 I OTP emaw UPI Pin emaw hmang miah lova I pawisa a che a nih chuan a chung bera Point. 1. Paragraph hnihna ah khian Payment Service Providers chu heng UPI Pin hmanga transaction tih ah hian Third Party Apps a ni emaw an mahni bank apps pawh ni se Bank chu a process tu an ni tih a langa. Chumi awmzia chu I account-a pawisa a in cut a nih chuan I apps vang ni lovin I account hawnna te bank thiam loh a ni. 

THIL NI THEI CHU! 

 Facebook lama a Experience pakhat sawi tu in a sawi danah chuan a account-a Sum in cut chu hun rei tak chhui tura an nawr ngat ngat hnu ah an chhui chhuak ve chauh a, pawisa lo in cut ringawt chu Guwahati lama an branch ami tih alo ni. Chu ti a nih chuan heng apps chhuan lam hian Bank-a thawk Misual, mithiam bawk si ten an identity thup-in mi pawisa an la thei a nih hmel.! Chutiang a nih loh chuan a bank zawk-a kha hack a ni thei bawk. Mahse, hack nita se mi pahnih khat account chiah an khawih kher lo maithei. Hackers an nih loh chuan Bank-a thawk te hi account neitu hriatpui lova sum khawih che thei awm chhun te chu an ni.!

ENGA TI NGE THIRD PARTY APPS CHHUI HARSA AN TIH BIK?

 Sawi tawh angina Third Party Apps vanga pawisa in cut anga sawi hi chu evidence awm lova rinthu mai a ni a, Bank Details Share emaw OTP Share emaw vanga pawisa a in cut a nih chuan chhui chu a har tak tak maithei.! Mahse, Chutiang a nih si loh a, Transaction Failed a nih chuan Bank te leh NPCI te thawhhona a ṭha tawk lo a ni thei a, an mahnin trace turin hun an pe phal lo che a ni thei bawk. Bank sum mamawhna avangin I sum an khawih che a, hacker an puh sak che a ni thei bawk. Sawi tawh angin I details engmah an nei lo chunga an hacked che a nih chuan I apps vang ni lovin bank security that loh vang zawk a ni ngeiin alang.

ENGA TINGE THIRD PARTY APPS KAN HMAN NASAT?

 Apps siamtuten mipui mimir mila awlsam taka hman turin an siama, chuchuan mi tam tak a hipa, lo hmang tu an tam chuan a hmang thar tur tan pawh mi hman tlanglawn sa hman a ngai zel bawk si a, chuvang chuan kan hmang nasa niin alang. Heng Bank in an Apps siam ho te hi chu hman a buaithlak a, enter neuh neuh tur a tam bawk si a, mi tam takin kan hmang peih lovin, kan hmang hman lo ni berin lang. Security an duh ṭhat luatah hmang peih an awm lo a nih hmel ber mai.!

A TAWP NAN

 “Third Party Apps- chu RBI Approved loh a ni” tih ṭawngkam hi ri fo tawh loh se a duhawm hle mai a, customer ten heng apps-a transaction failed- a reverse mai thei tawh lo ah Bank an dawrin “Bank Approve loh a nia, tih ngaihna a awm lo” tiin lo chhang fo tawh lo se a duhawm khawp mai. NPCI chuan Bank te pan turin min rawna, RBI pawhin Bank-chu Transaction reng reng an mahni tih vek a nih thu a sawi bawka. Heng Apps te hi RBI Apporved ania, an Bank approved ani bawk. Tih ngaihna a awma, tih dan pawh a awm. An apps promote an tum luatah an buaipui peih loh mai niin alang. An ti thiam lo a nih chuan a ti thiam turin training nei se la, mithiam pawh an ruai mai tur a ni. Miin hah taka an sum thawh chhuah holam taka a liam a nih chuan a tawngtu tan chuan thil hrehawm ve tak a ni si a.

Credit : De Patriots