Tender For Authentication Mechanisms For Digital Payment Transactions) Directions, 2025 Issuers may, in line with their internal risk management policies, identify transactions for evaluation against behavioural / contextual parameters such as transaction location, user behaviour patterns, device attributes, historical transaction profile, etc. Based on the perceived risk associated with the transaction, additional checks beyond the minimum two-factor authentication may be resorted to. Issuers may also explore using DigiLocker as a platform for notification and confirmation for high-risk transactions
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