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How Google Is Using AI to Stop Scams and Digital Fraud in India






Google Doubles Down on AI to Fight Digital Fraud in India—Here’s Why It Matters
India is witnessing a digital revolution—but with great connectivity comes greater risk. As mobile payments, fintech, and AI adoption surge across the nation, so do sophisticated scams, phishing attempts, and fraud operations. And now, one of the world’s tech giants is stepping up its game.
Google has launched a Safety Charter for India, signaling a serious commitment to strengthen its AI-powered security capabilities and tackle online fraud at scale in its largest market outside the United States. But this isn’t just about technology—this is about trust, safety, and protecting the future of India’s digital economy.



Why India? Because It’s a Hotspot for Both Innovation—and Exploitation

Let’s face it: India is ground zero for digital transformation. UPI (Unified Payments Interface) has made cashless transactions part of everyday life—from street vendors to luxury malls. But with that convenience has come a worrying rise in fraud. In 2023 alone, UPI-related fraud jumped a staggering 85% year-over-year, crossing ₹11 billion ($127 million).

We’re not just talking about phishing links anymore. Scammers today wear digital disguises—posing as police officers, bank officials, or app support agents via video calls. They exploit language barriers, deepfake videos, voice cloning, and even emotional manipulation to trap victims.

Google sees this as both a responsibility and an opportunity.


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The Safety Charter: Google’s Multi-Layered AI Strategy for India

At the heart of this move is Google’s newly announced Safety Charter for India. This isn’t just a PR stunt—it's a holistic framework combining AI, engineering, partnerships, and awareness campaigns, all rooted in the reality of how fraud happens in India.

🔐 Key Pillars of the Safety Charter:

1. Tackling Online Scams and Digital Fraud
Whether it's scammy apps or deepfake arrest threats, Google is deploying AI to scan, detect, and block fraudulent behaviors faster and more effectively.


2. Boosting Cybersecurity for Government and Enterprises
From hospitals to power grids, India’s critical infrastructure is becoming more digitized—and vulnerable. Google wants to build scalable solutions for this ecosystem.


3. Responsible AI and Model Safety
As AI evolves, Google is ensuring its tools don’t accidentally aid cybercriminals. This means rigorous testing, transparent frameworks, and collaboration with India’s research community.




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GSec India: A Localized Powerhouse for Global Problems

Google’s new Security Engineering Center (GSec) in India—only its fourth worldwide after Dublin, Munich, and Malaga—is more than just another office. It’s a statement: solutions for India must be built in India.

From working with academia and SMEs to partnering with the Ministry of Home Affairs’ Cyber Crime Coordination Centre (I4C), GSec is designed to harness India’s tech talent to solve uniquely Indian security challenges—like scam calls pretending to be police or predatory loan apps targeting low-income users.


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Not Just Talking—Google’s AI Is Already Fighting Fraud

This isn’t theory. Google’s AI systems are already protecting Indian users in multiple ways:

Google Messages: Over 500 million scam messages detected and blocked per month using AI-based scam detection.

Play Protect: Piloted in India, it blocked nearly 60 million attempts to install harmful apps in just a year.

Google Pay: Issued 41 million warnings for suspicious transactions, shielding millions of UPI users.


It’s clear that the company is thinking beyond general cybersecurity—it’s tailoring tools to how Indians use the internet.


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AI: The Double-Edged Sword in Cybersecurity

But there’s a twist: AI isn’t just the solution—it’s also part of the problem.

Malicious actors are getting smarter, using large language models (LLMs) to craft multilingual phishing messages or generate convincing fake videos. According to Heather Adkins, Google’s VP of Security Engineering, AI is already being misused to increase scam effectiveness.

To stay ahead, Google is building a Secure AI Framework, ensuring its models like Gemini can’t be easily exploited. It’s also collaborating with the broader research and developer community to push open safety standards—because AI security cannot be proprietary.


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What About Spyware and Surveillance Vendors?

Another threat Adkins flags is commercial spyware—from companies that build hacking platforms anyone can buy. These tools, sometimes sold for as little as ₹1,500 or as much as ₹1.5 crore, let even non-tech-savvy users spy on people at scale.

India has seen its share of Pegasus-type concerns and unauthorized surveillance. Google aims to neutralize such threats by detecting abuse patterns early and blocking harmful activity across its platforms.


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Is Multi-Factor Authentication the Answer? Not So Fast.

Passwords are outdated—that’s something security experts have known for years. But in a diverse country like India, where digital literacy varies widely, SMS-based two-factor authentication remains the most accessible option.

Google has rolled out MFA (multi-factor authentication) by default for all accounts and is exploring passwordless alternatives. But progress must be balanced with usability. High-tech solutions won’t work if they don’t work for everyone.


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A Future-Proof Vision Rooted in the Present

To me, what stands out in Google’s Safety Charter isn’t just its technology—it’s the localized focus. India’s digital landscape is fast, fragmented, and full of edge cases. From small-town shops to urban fintech startups, no two users behave the same.

By committing real engineering talent on the ground, collaborating with Indian institutions, and embedding AI into the very foundation of security operations, Google isn’t just securing the web—it’s trying to build a safer internet that understands India.

And that’s a blueprint worth watching—and maybe even emulating.


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Final Thought: In an era where digital risks evolve faster than legislation, the only way forward is smarter, scalable AI—backed by transparency, partnerships, and people who truly understand the local context. Google’s bet on India might just set the global standard.



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