Sayli Gadakh

Digital banking offers convenience, but protecting our money requires the awareness to recognise fraud before it strikes. Bharath, a 32-year-old businessman, received a message on his phone asking him to update his bank KYC details immediately. The message warned that his account would be blocked if he failed to act. Without thinking much, he clicked the link and entered his banking details. A few minutes later, he received alerts about transactions he had never made. His hard-earned money...

Rising interest rates and 5.5 per cent inflation can put household budgets under pressure, forcing even financially disciplined families to reconsider their priorities. Bharath, a 32-year-old salaried professional, had always believed that a steady income and disciplined savings were enough to secure his family’s future. Every month, he paid his home-loan EMI, set aside money for his parents, covered household expenses and invested a small amount for the future. However, as grocery bills,...

Technology can handle repetitive work, while professionals can provide judgement and guidance. Bharath owns a small trading business. Over the last few years, his business has grown, and he now has regular customers, employees and several suppliers. He spends most of his day taking orders, speaking to customers, managing payments and solving daily business problems that come up as part of running the business. One month, while preparing for his GST return, Bharath realised that some purchase...