Sandhya Murthy

Sandhya Murthy edits digital-payments coverage at Cyber Kannadigas. She spent several years in retail banking and fintech operations in Bengaluru before moving to consumer education, and she understands both how UPI and net banking actually work and how they go wrong for ordinary users. Sandhya explains UPI PINs, collect-request traps, autopay mandates, and the correct way to dispute a wrong or fraudulent transaction — always grounded in RBI guidelines and the published policies of NPCI and the major payment apps. Her north-star rule, repeated in nearly every article: you never, ever enter your UPI PIN to receive money. She helps readers use digital payments confidently rather than fearfully.