At the same time, serious attention needs to be paid to related issues of consumer protection, grievance redressal mechanisms, and issues of consumer liability in case of negligence or complicity in the event of unauthorised/fraudulent transactions. Challenges in Indian payment systems ecology 15.
There are several issues which need to be addressed to make the electronic payment system infrastructure in India more efficient and integrated; the crucial ones being building  BIS central bankers’ speeches  3  dexterity of payment systems through standardisation, interoperability, and creation of common infrastructure. 16.