E-Rupee and Financial Cybercrimes: Exploring Technological Innovations and Regulatory Challenges

DOI: https://doie.org/10.10399/APER.2025748350

Authors:

Kiran Pal Singh, Dr. (Prof.) Jogiram Sharma

Keywords:

E-Rupee, Digital Currency, Financial Cybercrime, Technological Innovation, Regulatory Stringency, Finance Technological Innovations.

Abstract:

The study examines how technological advances affect legal concerns surrounding India's first digital money, the E-Rupee. This quantitative study will analyse how E-Rupee technological investment, cybersecurity measures, and regulatory stringency effect adoption rates and financial crimes. The complicated interactions of variables were examined using equation of structure modelling to determine the direct and indirect impacts of components. A substantial positive association between e-Rupee use and technological investment suggests that improved technology enhances adoption rates. More significantly, regulatory compliance and strong cybersecurity measures are essential to reducing E-Rupee financial criminality. When coupled with large technology expenditure, stricter laws boost adoption by creating a complementary strategy that links excellent rules to quality technology investments. This study may help policymakers and stakeholders promote safe and broad E-Rupee adoption as a digital currency.

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