📊 UPI Transactions Analysis And Fraud Detection

📌 Project Overview

UPI (Unified Payments Interface) is one of the fastest-growing digital payment systems in India. While adoption is rising, so are fraud risks.
This project analyzes 2.5+ lakh UPI transactions worth ₹32.79 Cr to uncover trends, fraud patterns, and customer behavior, while providing recommendations to strengthen security, performance, and user trust.

The repository includes:

• 📊 UPI-Transactions-and-Fraud-Analysis.twbx → Tableau Dashboard for interactive insights
• 📑 UPI-Transactions-and-Fraud-Analysis.pptx → Presentation summarizing findings & recommendations

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🎯 Problem Statement

The surge in UPI usage brings challenges:

• Increasing fraud incidents in certain networks, devices, and banks
• Lack of visibility into peak usage, demographics, and bank-wise performance
• Difficulty for businesses to improve services, reduce fraud, and build trust

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📌 Objectives

• Analyze UPI transaction trends across banks, devices, and merchant categories
• Detect & monitor fraud patterns, especially high-value and suspicious activity
• Understand user behavior across age groups, locations, and time of usage
• Deliver data-driven insights for security, optimization, and better decision-making

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📂 Data Overview

The dataset combines transactions, demographics, and fraud details:

• Transactions → ID, Amount, Date-Time, Status, Weekend/Weekday
• Demographics → Age Group, Bank Name, Sender & Receiver
• Fraud Details → Network Type, Device Type, Fraud Flag

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🔍 Key Insights

• Transaction Patterns:

  • Evenings (6–9 PM) = peak usage
  • Weekdays → higher transaction volume; Weekends → higher average value
  • Top categories: Shopping & Grocery
  • Success rate: 95%, failures peak during rush hours

• Fraud Risks:

  • 480 suspicious transactions flagged
  • Grocery, Food, Shopping = most targeted categories
  • Android users face more fraud risk than iOS
  • 4G/5G networks show higher fraud than WiFi/3G
  • Young adults (18–30 yrs) most affected
  • SBI Bank reported higher fraud cases

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✅ Recommendations

• Strengthen authentication (biometrics / OTP) for high-value payments
• Partner with telecom providers to monitor fraud-prone 4G/5G activity
• Run awareness campaigns for young adults (18–30 yrs)
• Provide real-time fraud alerts & one-click reporting in UPI apps
• Upgrade fraud detection in high-risk banks & merchants
• Optimize server loads during evening peaks to reduce failures
• Launch cashback/reward programs for off-peak usage

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💡 Business Impact

• 🔒 Stronger fraud detection & prevention → lower financial losses
• 🤝 Higher customer trust & adoption → sustained UPI growth
• ⚡ Fewer failures → better performance & reduced support costs
• 📜 Improved regulatory compliance
• 🎯 Personalized experiences → higher engagement & retention
• 📈 Increased transaction volumes & revenue growth
• 🏆 Competitive edge for secure & reliable UPI providers

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📊 UPI Transaction Analysis Dashboard

Here’s a snapshot of my dashboard:

📊 UPI Transaction Analysis & Fraud Detection

Dashboard Preview