The fight against fraud for digital payments resides on the 3 vertices – Education, Experience, and Intelligence. Digital payments in India are seeing a CAGR growth of 12.7% * thanks to government push, new-age apps, the proliferation of eCommerce giants and the young Indian demography. While we stress on the adoption of digital payments– i.e. what to do and how to do – we focus little on what not to do – and that is precisely where Education is required. Technology is only as strong as its user. So end-user education is of utmost importance for fraud mitigation. And though the volume of digital transactions has surged, end users are still not self-sufficient enough to complete an end-to-end transaction. People are still dependant on the middle man or correspondent to complete a digital transaction. And more the number of intermediaries in the transaction path, greater the chances of fraud. Education is also about enabling users of digital India to be self-reliant. The government, central bodies, and the banks have a pivotal role in educating the public on the correct usage of digital payments.