India's Digital Scams Get Smarter, Costing Billions: New Tactics Emerge

• Digital scams in India are evolving from credential theft to cognitive compromise, manipulating individuals into acting for criminal networks.
• India lost over ₹22,842 crore to digital scams in 2024; H1 FY25-26 saw an eightfold increase in losses to ₹21,367 crore.
• Modern scams are adaptive, organized networks using generative AI to personalize manipulation, targeting customer decision-making processes.
• Prevention requires early intervention, connecting customer interactions across channels, and combining financial with telecom signals.
• Future threats include AI-driven impersonation, deepfakes, and commoditized scam execution, demanding system-level reasoning to protect trust.