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By:

Bhaskar Nath Biswal

13 May 2026 at 8:30:30 pm

E-Commerce’s Hidden Threat

The modern Indian marketplace no longer echoes exclusively with the chaotic bustle of traditional bazaars. Instead, it thrives within the silent, instantaneous clicks of smartphone screens. From monthly groceries to high-end electronics, digital retail has fundamentally altered how households across the country consume goods. This transition has undoubtedly unleashed unprecedented convenience, democratizing access to products for millions living outside metro cities. However, this...

E-Commerce’s Hidden Threat

The modern Indian marketplace no longer echoes exclusively with the chaotic bustle of traditional bazaars. Instead, it thrives within the silent, instantaneous clicks of smartphone screens. From monthly groceries to high-end electronics, digital retail has fundamentally altered how households across the country consume goods. This transition has undoubtedly unleashed unprecedented convenience, democratizing access to products for millions living outside metro cities. However, this hyper-connected landscape has also exposed a deeply troubling reality. As digital storefronts expand, so does the shadowy ecosystem of cybercriminals eager to exploit the trust and vulnerabilities of unsuspecting shoppers. The digital transaction, once celebrated as a triumph of modern engineering, is increasingly fraught with unseen hazards. Protecting consumers from e-shopping fraud has now become an urgent national imperative. Fraud Surge The sheer scale of India’s e-commerce revolution provides vital context for why online shopping has become such a high-stakes arena. Recent market estimates indicate that India’s e-commerce economy has surged well beyond $140 billion, driven by over 300 million active digital shoppers. Projections show this user base rapidly swelling toward 400 million, largely fuelled by deep internet penetration, affordable smart phones and seamless payment infrastructure like the Unified Payments Interface across Tier-2 and Tier-3 cities. Yet, this remarkable surge in commercial volume has been mirrored by an equally dramatic escalation in cybercrime statistics. Official records from the National Cyber Crime Reporting Portal reveal that citizens have filed over 3.8 million cyber fraud complaints, representing staggering financial losses exceeding Rs. 36,000 crore, with a significant portion stemming from fraudulent online retail schemes. Perhaps most alarming is the historical recovery rate, where less than one percent of stolen funds is successfully returned to victims once transactions cross cyber borders. Despite the pervasive presence of online threats, digital consumers frequently fall into predictable traps that expose them to severe risk. A primary misstep is the failure to maintain basic password hygiene, with millions of shoppers reusing weak or identical passwords across multiple e-commerce platforms and email accounts, enabling attackers to execute swift cascading breaches. Furthermore, shoppers frequently bypass critical verification steps in pursuit of speed, such as failing to verify whether a website domain uses secure, encrypted connections before typing in card credentials. Another widespread oversight is performing financial transactions over unsecured public Wi-Fi networks in cafes or transport hubs, which allows bad actors to intercept sensitive data packets in transit. Many consumers also neglect regular software updates on their smartphones, leaving unpatched security vulnerabilities wide open to malware. Above all, emotional urgency remains the greatest weakness. Impulsive buyers frequently ignore glaring red flags, such as suspicious payment requests or unverified seller profiles. Decoding Scams Recognizing that awareness is the frontline of defence, key industry players and digital safety advocates have begun taking structured action. A prominent example is the consumer handbook, ‘Your Guide to Safe Online Shopping’, developed by Safer Internet India and commissioned by Amazon. The initiative aims to demystify complex cyber security concepts and provide consumers with actionable, real-world tools to navigate the digital marketplace safely. The handbook shines a bright light on the most prevalent fraudulent tactics currently plaguing buyers. To combat these threats, the safety guide emphasizes a multi-layered approach to consumer protection. It urges shoppers to verify web addresses meticulously, refrain from sharing one-time passwords and avoid conducting transactions off authorized brand platforms. Equally important, the guide bridges the gap between technical vigilance and legal empowerment by outlining explicit consumer rights under Indian laws and detailing formal grievance redressal mechanisms. A sustainable defence against online shopping fraud requires an integrated, multi-stakeholder strategy that aligns consumer awareness, corporate accountability and robust law enforcement. E-commerce platforms must continue investing aggressively in advanced artificial intelligence tools to detect cloned websites, eliminate fake merchant accounts and intercept suspicious payment flows before they reach consumers. Concurrently, regulatory authorities and law enforcement agencies must strengthen real-time intervention frameworks, expanding initiatives like the 1930 cyber crime helpline and emergency account-freezing protocols to minimize financial damage when breaches happen. On the demand side, continuous public awareness campaigns, modelled after comprehensive handbooks, must reach deep into semi-urban and rural regions where first-time internet users are most susceptible to manipulation. Ultimately, building a safe digital shopping environment is about preserving trust. Only when digital literacy keeps pace with technological innovation can India truly reap the economic rewards of its e-commerce revolution without sacrificing the security of its citizens. (The writer is a former college Principal and Founder of Supporting Shoulders, an Odisha-based non-profit Trust. Views personal.)

Tejashwi’s Pledge, Bihar’s Burden

As the Grand Alliance woos voters with lavish promises, its manifesto risks bankrupting a state already running on fiscal thin air.


 

With barely a week left as Bihar plunges into a key Assembly poll, the opposition Mahagathbandhan or the ‘Grand Alliance’ composed of the Rashtriya Janata Dal (RJD), the Congress, the Left parties and Vikashsheel Insaan Party (VIP), released its election manifesto titled ‘Tejashwi Pran’ (which translates as ‘Tejashwi’s Pledge’). And that is part of a problem for this kind of title distinctly gives the impression that it is chiefly a personal pledge of RJD leader Tejashwi Yadav rather than a collective manifesto of the Grand Alliance. The name itself suggests that the Congress, Left parties, and other allied groups play a secondary role in the coalition. At first glance, the manifesto appears welfare-oriented, especially showing a committed vision for the welfare of youth and women. However, a deeper analysis raises the question of whether these promises are truly feasible or merely political tools to attract voters, particularly youth, women and government employees.


Focusing on just five marquee pledges in the manifesto raises more questions than it answers. These include a law to provide one government job per family, to be effective within 20 months; financial assistance of Rs. 2,500 per month to women for five years; restoration of the old pension scheme for state government employees; an additional monthly allowance of Rs. 2,000 for Jeevika didis; and a plan to provide 200 units of electricity free to each family. According to economic analysts, if political promises exceed the economic capacity of the state, they ultimately lead to financial crisis and inflation. For a resource-limited state like Bihar, such policies could prove suicidal.


Grandiose Promises

To understand the reality behind these promises aimed at attracting youth, it is vital to know the number of potential beneficiaries in the state. Bihar’s estimated population in 2025 is about 131 million. According to a caste survey in 2023, the state has approximately 27.6 million families. After the recent hike in dearness allowance (DA) by the Bihar government, it came to light that there are about 4.8 million government employees in the state. Including roughly 0.2 million employees working in the central government and other public sector undertakings, the total number of government employees in Bihar is around 5 million. Even if one government employee is assumed per family, there will still be about 22.5 million families left to provide a new government job for one member each. This number is so large that it seems administratively and economically impossible to fulfil. Economists observe that providing such a large number of government jobs is not only financially impossible but also administratively impractical. Some fear it could destabilize the entire state machinery.


The grandiose manifesto also promises a monthly salary of Rs. 30,000 for Jeevika didis employed on contract basis. This means if the alliance forms the government, this amount would be set as the minimum wage. Thus, the average annual expenditure per contract employee would be Rs. 3.6 lakh. If about 22.5 million people are given government jobs, the state would bear a financial burden of approximately Rs. 8.10 lakh crore annually just on salary payments.


According to the manifesto, Jeevika didis will receive a monthly allowance of Rs. 2,000 for their other duties, amounting to Rs. 24,000 annually per didi. Reports from 2025 indicate that over 10 million women are associated with self-help groups as Jeevika didis. Consequently, the government’s annual expenditure on these allowances would be around Rs. 24,000 crores. Additionally, the manifesto includes a promise to provide each family with 200 units of free electricity, which would impose an estimated additional financial burden of Rs. 36,000 crores annually on the State government.

 

Then, there is the ‘Mai-Bahin Maan Yojana’ which promises to provide women with financial assistance of Rs. 2,500 per month, which translates to Rs. 30,000 annually for each woman. Based on population ratios, age distribution, and recent government and United Nations reports, the female population above 18 years of age in Bihar is estimated to be between 48 to 51 million. If taken as approximately 48 million, the annual expenditure under this scheme could be around Rs. 1.44 lakh crore. Similarly, restoring the Old Pension Scheme (OPS) for state government employees would add an additional annual burden of about Rs. 1.5 lakh crore.


Financially Unviable

The Grand Alliance’s five major promises to attract youth, women and government employees are estimated to cost approximately Rs. 11.64 lakh crore annually, while Bihar’s total annual budget is only Rs. 3.14 lakh crore. This means the proposed expenditure is around four times the state budget. Clearly, raising such a massive amount of money is practically impossible.


Bihar’s estimated Gross State Domestic Product (GSDP) for 2025-26 is Rs. 10.97 lakh crore. The projected expenses for just these five promises exceed the GSDP. Given Bihar’s economic structure, this not only appears impractical but also poses a serious threat to the state’s financial stability.


In a democracy, citizens get only one opportunity every five years to decide on the governing system. This opportunity is not merely a mandate but a decisive moment that sets the direction for future development. When political parties indulge in unrealistic promises ignoring economic realities, both the values of democracy and policy integrity come under question. It is therefore essential to consider whether unrestricted populist promises in electoral processes serve democracy’s interests or if the time has come to set clear limits and accountability on them.

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