Online financial fraud has become a growing concern with the rise of digital payments. Scammers use methods like UPI fraud, phishing emails, fake websites, and social engineering to trick users into revealing sensitive information such as OTPs, passwords, or bank account details. Many people fall victim due to lack of awareness or caution, resulting in significant financial losses., This problem affects individuals across all age groups, especially those new to digital banking. Beyond monetary loss, victims often face stress, anxiety, and a loss of trust in online payment systems. The rapid increase in digital transactions makes it easier for fraudsters to exploit vulnerabilities. Addressing this issue requires user education, strong cybersecurity practices, and vigilant monitoring to protect personal and financial information and reduce the risks of online scams.