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RBI annual report 2025: How it reveals the changing risks to digital trust in Indian banking

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India’s banking ecosystem stands at a critical inflection point. What began as a national mission to expand financial access has now matured into a comprehensive digital transformation. Biometric authentication, real-time payments, and mobile-first platforms define how millions interact with financial services—especially younger, mobile-native demographics.

Yet beneath this momentum lies an equally important imperative: ensuring that scale is underpinned by stability, and that innovation is matched by institutional vigilance.

The Reserve Bank of…

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