Are digital payments secure enough for the Indian economy to go cashless?
数字支付是否安全到足以让印度实现无现金化？
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Mira said:
Now we are living in 21century and we had faced many changes in technologies cashless payment in my view is one of the great achievement. People can carry a large amount of money in android phone and can be tension free. I think digital forms have high security. Its risk free also. Today India is said as digital India and in coming days our country will totally convert in digitalized.
现如今我们生活在21世纪，面临着技术变化，在我看来，无现金支付是一项伟大的成就。人们可以将很多钱放在手机里，且不必感到紧张。我认为数字形式有很高的安全性，也没有风险。今天，印度被称为数字印度，未来，我国将完全数字化。
Abhishek Jadhav said:
Nowadays we all uses smartphone and we are very well connected with various technologies. Such as Google pay, Paytm, bhim. One thing we all have to remember these all apps have very good security. If you don't share your password with anyone then there is no risk.
如今我们都在使用智能手机，与各种技术有很好的联系，如谷歌支付, Paytm, bhim。有件事我们需要知道，这些应用程序都有很高的安全性，只要你别去和其他人分享密码，就不会有风险。
Rajdeep Roy said:
Every form of payment systems has some form of risk associated with it.
Take for Eg. Payment by cash, it has a risk of theft, robbery, damage of currency notes, use of fraud currency but regardless of all of that we use it as a medium of exchange due to the huge benefit of money being easy to carry, widely acceptable and availability in different denominations.
Likewise, cashless payments have a huge risk like cloning of cards by fraud machines, hacking of bank accounts, stolen card details and OTP. However, all these risks though very grave can be avoided by awareness of cyber crimes and by being careful.
Therefore, in conclusion, I would say that though cashless transaction has some risks associated with it due to the huge benefits, we must work towards a cashless society as well as continuously work towards making cashless payments
任何形式的支付系统都存在一定的风险
拿现金支付来说，它有被盗窃、抢劫、损坏、假币的风险，但不管怎样，我们都将它作为一种交换媒介，因为它有着携带方便、被广泛接受和有着不同面额的巨大好处。
同样，无现金支付也有很大的风险，比如克隆银行卡、侵入银行账户、窃取银行卡信息等。然而，所有这些风险虽然很严重，但亦可以通过意识到网络犯罪和小心谨慎来避免。
综上所述，我想说的是，尽管无现金支付存在一些风险，但我们必须朝着无现金社会的方向努力，同时不断努力使无现金支付更加安全，以应对骗子和黑客日益增长的技能。
Abhinav Jha said:
Yes. I agree that digital transactions are secure and there are so many benefits attached to it but instead of cashless economy, I would rather suggest for less cash economy. We can't ensure that everybody in the country will get used to digital payment. So small denomination currencies should always be in circulation so that people in the rural areas and older people can transact easily.
是的，我同意数字交易是安全的，并且有很多好处，但我宁愿“少现金”，而不是“无现金”。我们不能保证这个国家的每个人都能习惯数字支付。所以小面额的货币应该一直流通，这样农村地区的人和老年人就可以很容易的交易了。
Amit Srivastava said:
According to my opinion, digital payments are much more secure than the cash because of the following reason.
1. It is easy to carry. In India, before digital payment, people feel unsafe when they have to carry a large amount of money with them.
2. It is easy to transfer. Before this, if any people want to transfer money to other then it necessary to go to the bank for transferring money. Now in the present days, we use mobiles & various electronics gadgets to do this.
3. It is highly secure. It uses various security checks like OTP, password, biometrics etc.
在我看来，由于以下原因，数字支付比现金安全得多。
1. 首先是便携性，在印度，数字支付出现之前，人们不得不随身携带大量现金，这会使人没有安全感。
2. 转账很容易，在此之前，如果有人想把钱转到其他地方，那么就必须去银行转账。现在，我们用手机等电子产品就行。
3.它非常安全，使用了各种安全措施，如动态口令，密码，生物识别等。
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