h)  To encourage the usage of credit and debit cards, Reserve Bank has issued various instructions on security of card transactions and risk mitigation measures, including directions on online alerts as well as on additional factor of authentication which have significantly increased customer confidence in using cards.
Some initiatives taken recently are as under: •  To avoid inconvenience, the requirement of Additional Factor of Authentication for small value card present transactions was relaxed for customers making small value payments on contactless cards up to a maximum value of ₹ 2,000/- per transaction subject to certain conditions.